Smart Money People Logo
Go to business site
Share this page
Link copied

PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 75,282 reviews, last reviewed 18th Apr 2026
2256300% increase in 5 star reviews
in the past 90 days
6400% 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

Excellent options Helpful to have this payment option, useful for bigger purchases Reviewed on: 18th April 2026
Lynnie 's avatar
Lynnie

Latest lowest rating:

2

Frustrating I don’t understand why items that have been refunded still show as an outstanding balance. I am paying for something called Zettle by PayPal but have ... Read more Reviewed on: 18th April 2026
Suzannah W's avatar
Suzannah W
Read all reviews Write a review

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.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

PayPal PayPal Credit reviews (75282)

Absolutely brilliant!

5
Absolutely brilliant! Gives flexibility for lots of different products. Reviewed on: 1st June 2024
Marcus m's avatar
Marcus m

Great and easy, no problems.

5
Great and easy, no problems. Easy to apply and been no stress Reviewed on: 1st June 2024
Emma k's avatar
Emma k

Review of PayPal credit

4
Pay in 3 is a very simple process and will only appear on eligible transactions. It is useful to use this as you know what the payments will be across the 3 months meaning no hidden costs and helps you manage and budget your finances Reviewed on: 1st June 2024
Sarah G's avatar
Sarah G

Long time user.

5
Long time user. PayPal credit is a secure and safe way to shop Reviewed on: 1st June 2024
Adam F's avatar
Adam F

Brilliant and easy to use

5
Brilliant and easy to use and I use PayPal all the time for shopping larger items Reviewed on: 1st June 2024
Jonathan 's avatar
Jonathan

Amazing service A*

5
Always accepted when needed and very helpful when needed. I would recommend to anyone if they need it Reviewed on: 1st June 2024
Kieran W's avatar
Kieran W

Great service.

5
Used PayPal for years, Only ever had one issue which was swiftly resolved. Great features (pay in 3, credit) and simple to use. Reviewed on: 1st June 2024
Mark P's avatar
Mark P

Great service and product.

5
Always supportive in cases when suppliers are not issuing the goods they should. Easy to report, easy process & fast responses. Online account/app is easy to understand and navigate and I always feel I can find the information I need. I feel I can shop with thousands of suppliers and feel protected with no concerns of being exposed to online scams. It has been really helpful while juggling money since having my newborn as they need a lot of supplies!! Reviewed on: 1st June 2024
Nicole L's avatar
Nicole L

Easy to use

5
Regular updates, responsible lender. Easy to stay on top of payments. App is really good and simple to use whether it’s paying bills or people you know. Reviewed on: 1st June 2024
deemoule5@gmail.com's avatar
[email protected]

Good so far from using it.

3
Good so far from using it. Easy and good service. Reviewed on: 1st June 2024
Toby's avatar
Toby

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill