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 77,599 reviews, last reviewed 19th Apr 2026
2471300% increase in 5 star reviews
in the past 90 days
7000% 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

I’ve had a very positive experience using PayPal Cre... I’ve had a very positive experience using PayPal Credit. It’s easy to manage, the application process was quick, and it gives me flexibility when maki... Read more Reviewed on: 19th April 2026
Elham 's avatar
Elham

Latest lowest rating:

1

Paypal Credit - a nightmare of an organisation. Paypal Credit is convenient but extremely fruistrating, On the one hand they offer 4 months interest free credit which allows you to spead the cost of... Read more Reviewed on: 19th April 2026
Digby's avatar
Digby
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 (77599)

Great customer service team.

4
Great customer service via phone and email and always finds a resolution for a problem. The PayPal Credit option is a good way of using/spending funds for online purchases and you can always put yourself in check by paying via direct debits and you often get reminders about account, payments and credit usage. Reviewed on: 28th May 2024
sai kiran's avatar
sai kiran

Easy and convenient to pay.

5
Easy and convenient to pay. Also can spread the cost with the paypal credit. Can be use most of purchases from the online market Reviewed on: 28th May 2024
Young K's avatar
Young K

Review- 4/5

5
Great, easy to use, user friendly. Would refer to friends and family. Balance is easy to pay off though setting up the direct debit for payments is difficult and could be easier Reviewed on: 28th May 2024
Bethany A's avatar
Bethany A

I absolutely love pay pal credit it is so easy to use!

5
I absolutely love pay pal credit it is so easy to use! There’s no hidden t&cs everything is so clear to understand. It helps me out so much and makes me not worry about my purchases. The reminders help when your payment is due and that is honestly so helpful! Reviewed on: 28th May 2024
Chloe Buckley's avatar
Chloe Buckley

Excellent customer service, good interest rates and...

5
Excellent customer service, good interest rates and easy to use Reviewed on: 28th May 2024
Kinsella's avatar
Kinsella

Love PayPal gives me chance to have nice things that...

5
Love PayPal gives me chance to have nice things that I usually wouldn't be able to afford. Reviewed on: 28th May 2024
Amanda F's avatar
Amanda F

faulty goods

5
More often than not, if I had faulty goods I have been reimbursed all the money Reviewed on: 28th May 2024
Cheri R's avatar
Cheri R

Peace of mind.

5
Peace of mind. I do not pay for anything except they accept PayPal payments because my bank account details are safe with them. Secondly, PayPal will refund my money in case I buy I buy anything substandard or whatever the situation is. It happened to me several times. Thirdly, I don't need credit cards again because I have PayPal Credit. Reviewed on: 28th May 2024
Rowland 's avatar
Rowland

Had a great experience with PayPal for years and years

5
Had a great experience with PayPal for years and years Reviewed on: 28th May 2024
Ross 's avatar
Ross

Good quality experience I would recommend PayPal to...

5
Good quality experience I would recommend PayPal to my family and friends Reviewed on: 28th May 2024
Keith W's avatar
Keith W

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