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 81,947 reviews, last reviewed 22nd Apr 2026
2874100% increase in 5 star reviews
in the past 90 days
8500% 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:

4

It can always be better, but overall it's okay It can always be better, but overall it's okay Reviewed on: 22nd April 2026
Deyan S's avatar
Deyan S

Latest lowest rating:

1

They will trick you into too types of payments and y... They will trick you into too types of payments and you wont be able to pay it off as interest free. The system is made the way you loose always. Reviewed on: 22nd April 2026
Tomas's avatar
Tomas
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 (81947)

So easy to use and safe to pay for things online .

5
So easy to use and safe to pay for things online . It’s convenient to be on your phone Reviewed on: 2nd June 2024
Jane's avatar
Jane

Excellent service.

5
Excellent service. 4 months with zero interest on credit purchases. Reviewed on: 2nd June 2024
Shannon R's avatar
Shannon R

I love PayPal Credit!

5
I love PayPal Credit! I’m not the usual type to borrow money as I prefer to pay everything off straight away however when you can get 0% interest for 4 months it’s a no brainer!! It’s really helped me and my partner out whilst unexpectedly having to move house until we can recuperate the funds again. I love you can pay of as much or as little as you want during the 4 months and I will definitely be continuing to use it! Reviewed on: 2nd June 2024
Lisa's avatar
Lisa

My Experience of PayPal Credit & Pay in 3...

5
Have found PayPal credit and pay in three really helpful making things affordable and easy to spread cost without overstretching. App is simple to use. Would like additional options added e.g Pay in 4 or 5 just for more expensive items that pay in 3 is too expensive. Otherwise brilliant. Reviewed on: 2nd June 2024
Travis M's avatar
Travis M

Easy time saving payments very safe and well experie...

5
Easy time saving payments very safe and well experienced customer service Reviewed on: 2nd June 2024
Zahra G's avatar
Zahra G

Pay pal is in my option the best payment method as i...

5
Pay pal is in my option the best payment method as it is a extra protection so company’s I order from don’t have my bank details Reviewed on: 2nd June 2024
Colette h's avatar
Colette h

App and services

5
Paypal credit is easy to use. The app gives accurate information as to your transaction, balance and amounts to pay. It is very concenient to use. I would definitely recommend Paypal credit to be used by family and friends Reviewed on: 2nd June 2024
Jay G's avatar
Jay G

Paypal is reliable and easy to use.

5
Paypal is reliable and easy to use. Reviewed on: 2nd June 2024
Sam m's avatar
Sam m

Easy to use.

5
Easy to use. I like the no interested 3month Reviewed on: 2nd June 2024
Kenneth Barraclough's avatar
Kenneth Barraclough

I’m very that I can send money abroad and I ca...

5
I’m very happy that I can send money abroad and I can make payments securely,and very important,you can pay in 3-4 months without extra charges. Reviewed on: 2nd June 2024
Laurentiu I's avatar
Laurentiu I

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