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 64,889 reviews, last reviewed 14th Apr 2026
1297900% increase in 5 star reviews
in the past 90 days
3900% 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

Great experience Good experience, been using paypal for years with no issues at all Reviewed on: 14th April 2026
Kate G's avatar
Kate G

Latest lowest rating:

1

Rubbish service. Rubbish service. I'm so not happy Reviewed on: 14th April 2026
Fernando G's avatar
Fernando G
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 (64889)

Accepted for once :)

4
I'm happy with PayPal Credit as one of the few lenders that would actually accept me. It has really helped me with larger purchases I can't afford outright due to being on a low NHS wage. Reviewed on: 8th July 2022
Lucy W's avatar
Lucy W

Easy to use and excellent features

5
Paypal credit is easy to use and very clear on the terms and conditions. This makes it easy to stay in control of my finances when I might need a little help with a purchase. Reviewed on: 8th July 2022
Mark Jones's avatar
Mark Jones

Excellent credit facility

5
Paypal credit always comes in handy, with reasonable APR rates. Customer service when you need them is first class! Reviewed on: 8th July 2022
Yinka Oni's avatar
Yinka Oni

Excellent service

5
PayPal credit has come in handy and the service you get is amazing, would highly recommend Reviewed on: 8th July 2022
Barrie's avatar
Barrie

This is amazing!

5
I love shoping with paypal credit, the best ever! Reviewed on: 8th July 2022
Monia's avatar
Monia

The best

5
Pay in 3 provides flexibility and I love how I can plan my finances Reviewed on: 8th July 2022
Haarika Kanajam's avatar
Haarika Kanajam

Bog Standard -

3
PayPal credit is a big standard “credit card” It’s works how it should , you’re given X credit limit and you can use it: The problem is there is virtually no customer service with this product. Whilst it works like a credit card , the behind the scenes stuff is poor, from not being helpful on charge backs, not being able to request a larger credit limit and almost no information on it. It’s clear to me that PayPal is a payment provider that just so happens to provide credit . It’s supplemental to their main income and they treat it as such. It’s a side project for them. Don’t expect professional informative information Reviewed on: 8th July 2022
Matt James's avatar
Matt James

best service

5
Always best service, quick and good attention for the customer necessities. Reviewed on: 8th July 2022
Sara de Souza's avatar
Sara de Souza

Brilliant and easy

5
Great interface and super easy to use. It’s my go to option. Reviewed on: 8th July 2022
Sarah Schuh's avatar
Sarah Schuh

The best

5
Helps me buy more expensive things without taking a chunk out of my savings. I can spread it over 4 months guilt free as there is no interest. I tell everyone about it. Reviewed on: 8th July 2022
Lucy's avatar
Lucy

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