Smart Money People Logo

PayPal: PayPal Credit reviews

4.90
Based on 75,437 reviews, last reviewed 18th Apr 2026
2270700% 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

PP is very easy to use to pay for goods, and the pay... PP is very easy to use to pay for goods, and the pay in 3 is excellent. Reviewed on: 18th April 2026
Kerry W's avatar
Kerry W

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

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 (75437)

I wanted to share my experience with PayPal Credit a...

5
I wanted to share my experience with PayPal Credit as a customer. It’s been a convenient way to manage my online purchases by integrating seamlessly with my existing PayPal account. Reviewed on: 24th May 2024

My experience using PayPal Credit

5
I’ve been using PayPal Credit for a while now, and my experience has been overwhelmingly positive. From the ease of application to the convenience of use, PayPal Credit has been a reliable financial tool for my needs. Firstly, applying for PayPal Credit was straightforward and quick. The approval process was smooth, and I was able to start using the credit immediately. I appreciate the transparency in terms and conditions, which made me feel comfortable from the start. One of the standout features for me has been the seamless integration with my PayPal account. This integration allows for a smoother checkout process when shopping online. The "Pay in 4" feature, which lets you split payments into four interest-free installments, has been particularly beneficial, helping me manage my budget more effectively. Customer service has also been excellent. On the few occasions I've had questions, representatives have been knowledgeable and friendly, resolving my issues promptly and efficiently. In terms of security, PayPal Credit offers robust protections, which give me peace of mind when making transactions. The detailed statements and notifications help me stay on top of my spending and due dates, avoiding any unnecessary interest charges or late fees. Overall, I highly recommend PayPal Credit to anyone looking for a flexible and reliable credit solution. It has made managing my finances easier and more convenient, while also providing excellent service and security. Reviewed on: 24th May 2024

By buying needs that you can split and pay over a ce...

5
By buying needs that you can split and pay over a certain period of months without interest. Reviewed on: 24th May 2024

Happy Paypaler

5
I would recommend if you see an item you like but it’s not payday for a while yahooo just get it Reviewed on: 24th May 2024

Credit offering is good when it appears (specificall...

5
Credit offering is good when it appears (specifically the 0% option) but rules around it seem inconsistent Reviewed on: 24th May 2024

Very helpful and useful credit.

5
Very helpful and useful credit.. Reviewed on: 24th May 2024

Excellent application

5
Excellent application, and a professional team Reviewed on: 24th May 2024

Good value and very useful

5
Been a very useful tool for both managing money allowing me to direct everything to one place and pay what I need at the end of the month. The interest rate for longer term credit is also very reasonable, especially compared to payday loans. Reviewed on: 24th May 2024

Easy to use.

5
Easy to use. Very straightforward and convenient. Ideal for unexpected expenses. Just wish you could use it for amazon purchases. Reviewed on: 24th May 2024

PayPal Credit

5
I love the most that if I pay in four months there’s no interest Reviewed on: 24th May 2024

Review PayPal: PayPal Credit now

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