Smart Money People Logo

PayPal: PayPal Credit reviews

4.90
Based on 77,481 reviews, last reviewed 19th Apr 2026
2460300% increase in 5 star reviews
in the past 90 days
6900% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Always comes in very handy. Always comes in very handy. The 4 months payback period helps spread things around a lot Reviewed on: 19th April 2026
Joy C's avatar
Joy C

Latest lowest rating:

2

Not transparent at all. Not transparent at all. Vague statements, suspicious disconnects from customer support, Reviewed on: 19th April 2026
Greg W's avatar
Greg W

About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

PayPal PayPal Credit reviews (77482)

Review of the PayPal, PayPal Credit:

A must have!

5
Seamless to receive money and use their credit options Reviewed on: 5th June 2024

So simple

5
All good easy to use. Very easy to navigate and pay my bills. Reviewed on: 16th April 2026

Great service always use them the pay in 3 is very u...

5
Great service always use them the pay in 3 is very useful and used it when ive needed to Reviewed on: 16th April 2026

Verry easy to use ,low interest and god reward on sp...

5
Verry easy to use ,low interest and god reward on spending. Reviewed on: 16th April 2026

Great service every time

5
Great service always use paypalfOr most of tge time Reviewed on: 16th April 2026

Excellent Service

5
All my transactions go through easily and I have never had any issues. Reviewed on: 16th April 2026

does exactly what it says on the tin

5
I can't complain it does exactly what it says on the tin and some more Reviewed on: 16th April 2026

Easy to use, spread payment and security.

5
Easy to use, spread payment and security. never had any issue with using PayPal, easy to use, and helpful for those BIG purchases and spreading the cost at interest free for 4 months is an added bonus, now you can use it as a card on your iPhone wallet EVEN BETTER! Only ever had one issue with a fraudulent transaction, of which the handled super quick and was resolved in moments. Highly recommend PayPal and their services! Reviewed on: 16th April 2026

PayPal is the best!

5
PayPal is the best! Providing the best services! I really enjoy using it! Highly recommended! Reviewed on: 16th April 2026

Interest not high, treating customers very well.

5
Interest not high, treating customers very well. Grateful. Reviewed on: 16th April 2026

The best BNPL service by far

5
Great service will use all the time at checkout.ill recommend to all my friends and family from now on.great app to use aswell Reviewed on: 16th April 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from PayPal?

  • PayPal Open

    from PayPal 5.00 from 4 reviews
    PayPal
  • Pay in 3

    from PayPal 4.93 from 35416 reviews
    PayPal
  • Credit card

    from PayPal 4.92 from 63 reviews
    PayPal
    View all products