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 82,251 reviews, last reviewed 23rd Apr 2026
2902000% increase in 5 star reviews
in the past 90 days
4250% 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

It's definitely been helpful to be able to use PayPa... It's definitely been helpful to be able to use PayPal on bigger spends when money is tight. Less interest would be nice though Reviewed on: 23rd April 2026
Mike's avatar
Mike

Latest lowest rating:

1

Using PayPal has ruined my Credit score. Using PayPal has ruined my Credit score. Reviewed on: 22nd April 2026
Dominika S's avatar
Dominika S
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 (82251)

Very easy to use

4
Very easy to use and access. Little tricky see statements with rates and see offer rstes Reviewed on: 2nd June 2024
ArthurB's avatar
ArthurB

Convenient and easy to use

5
Great payment option, very easy to use and convenient as I know I can rely on PayPal Reviewed on: 2nd June 2024
M K's avatar
M K

PayPal credit

5
Helps out over time to be able to spread the cost on purchasing yes excellent service all the way. Reviewed on: 2nd June 2024
Lynn P's avatar
Lynn P

I've used PayPal credit for years

5
I've used PayPal credit for years and it's got me out of many money situations. Reviewed on: 2nd June 2024
shane b's avatar
shane b

Accessible

5
Easy to use, accepted at a lot of retailers, lots of options. Reviewed on: 2nd June 2024
Ya Boi J's avatar
Ya Boi J

Always great service and safe payments

5
Always great service and safe payments Reviewed on: 2nd June 2024
heedlessbig al's avatar
heedlessbig al

Very comfortably.

5
Very comfortably. You can pay for any purchase with one click. Easy loan repayment. I recommend. Reviewed on: 2nd June 2024
Alfiia M's avatar
Alfiia M

Great service,

5
Ive used paypal for many years now, and always been happy with the service, and applying for PayPal Credit was very simple and very quick process, also its nice to be able to speak to them on phone if need be, without having to wait in queue, i got through to them in less than 3 mins, very happy Reviewed on: 2nd June 2024
Chris hunt's avatar
Chris hunt

Purchasing made easier and safer

5
I’m a first time mom-to-be and having PayPal Credit and Pay in 3 has REALLY helped me get the things I need for my baby. I also have peace of mind when using PayPal to purchase things as if there are any issues with my order, PayPal will intervene if the seller doesn’t respond. Reviewed on: 2nd June 2024
VS's avatar
VS

Fantastic Service!

5
Great! Service provider of credit. I have used PayPal Credit since it was first introduced over 8 years ago! Since it's introduction the Service has only got better providing brilliant payment options. With the 0% interest on purchases over £99 across 4 months being my favourite. It makes it easier to manage my finances on larger purchases and gives me the flexibility. If that's not all there are other options that make this Service appealing to use and would recommend to anyone! The customer service has always been first class and always look to resolve an issue in a professional manner and keep me updated via the resolution centre which is a great addition via the app. Reviewed on: 2nd June 2024
Justin Franklin's avatar
Justin Franklin

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