Smart Money People Logo

PayPal: PayPal Credit reviews

4.91
Based on 56,430 reviews, last reviewed 7th Apr 2026
520100% increase in 5 star reviews
in the past 90 days
1500% 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

Available to use on loads of sites Available to use on loads of sites Reviewed on: 7th April 2026
Keri b's avatar
Keri b

Latest lowest rating:

1

Great service. Great service. Easy to understand terms and conditions and fantastic communication. Reviewed on: 7th April 2026
Valerie B's avatar
Valerie B

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience. Write a review

PayPal PayPal Credit reviews (56430)

Best offers and payment plans

5
The interest free payment options that paypal offers has enables me to purchase key items that I wouldn’t have been able to under current living cost crisis Reviewed on: 8th July 2022

A very innovative idea.

5
Imagine a credit card without the card? That’s exactly what you get with PayPal Credit Card and the best part is the ability to pay later or spread the cost! Reviewed on: 8th July 2022

Great

5
Simple, good APR and 4 months free interest on purchases over £99 Reviewed on: 8th July 2022

Wonderful Company

5
Very good company with fantastic customer service. Reviewed on: 8th July 2022

Easy to manage and perfect for any emergencies

5
I’m finding the PayPal credit very handy to have for emergencies. I am SO pleased with the 4 months free interest. It’s really helped me a lot to have this as a backup for any needed purchases. Reviewed on: 8th July 2022

I was asked to do this

3
I was told if I voted for this company I would be entered into a £1000 prize draw. Does that make the voting fair? Perhaps not. But I want the money. Love ya! Reviewed on: 8th July 2022

Brilliant service

5
The app is easy to use and it is widely used keep up the good work Reviewed on: 8th July 2022

Cash

5
Great for when you short for the month to get little things. Reviewed on: 8th July 2022

Very good

5
I love using PayPal credit. Very good for quick checkout Reviewed on: 8th July 2022

Papal credit

5
It’s really help me to build my life in uk Tanks papal Reviewed on: 8th July 2022

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience. Write a review