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 78,083 reviews, last reviewed 20th Apr 2026
2516000% increase in 5 star reviews
in the past 90 days
7300% 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

Easily to use service, never had any problems Easily to use service, never had any problems Reviewed on: 20th April 2026
Jessica s's avatar
Jessica s

Latest lowest rating:

1

I wanted to cancel automatic top ups, they have made... I wanted to cancel automatic top ups, they have made it so difficult. I wanted to speak to someone, nope no human, only ai as customer service that ca... Read more Reviewed on: 20th April 2026
Natasha's avatar
Natasha
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 (78083)

PayPal credit helps me loads

5
PayPal credit helps me loads during these struggling Financial Times, with helping me buy birthday gifts for my loved ones without having to worry about all the money coming out of my bank at once. Reviewed on: 18th May 2024
Lewis C's avatar
Lewis C

Highly recommend

5
Very easy to use and great that you have 3 months to pay especially if unexpected bills may happen. Highly recommend this service and gives piece of mind having this option through PayPal. Reviewed on: 18th May 2024
Rosyxx's avatar
Rosyxx

Honest 5* review.

5
I have used PayPal for years. Whether that be as a quick payment method for day to day purchases or used to buy the Christmas pressies and birthday presents using PayPal credit. I love that this can then be paid off over time and most of the time these payments are interest free for a set amount of months! I have even dabbled in the crypto section (which I have never done before) and made I little bit of money there. This section was very well explained and made me feel comfortable enough to give it a go with a small amount :). I would honestly say that PayPal as a whole is fantastic and I will keep using it for years to come. Reviewed on: 18th May 2024
Beth's avatar
Beth

It's Alright

4
Never had any problems using this service. Reviewed on: 18th May 2024
Andrea Greaves's avatar
Andrea Greaves

Paypal credit is amazing

5
Paypal credit has helped me & my family it gives me flexibility and easy repayments! I absolutely love it!! Since using this I have cut up my credit cards & only use this!! Reviewed on: 18th May 2024
Lynsey's avatar
Lynsey

PayPal credit is a convenient option ..

5
PayPal credit is a brilliant convenient option for all my online purchases and gives me great peace of mind. Reviewed on: 18th May 2024
Mika's avatar
Mika

Brilliant service!

5
Brilliant service! Pay over instalments or use direct credit. Easy to use once you have your application set up - see something and you can buy it. Payments back are by direct debit and you are advised well in advance as to how much that will be. Reviewed on: 18th May 2024
Lesley C's avatar
Lesley C

Easy to use and useful to have.

4
Easy to use and useful to have. It's great to use with flexible payment plans and can be used basically everywhere. Customer service is ok and can be a bit slow but will eventually get back to. Reviewed on: 18th May 2024
Tom B's avatar
Tom B

Easy and simple to use.

5
Easy and simple to use. Used it for my mobile phone and had no issues. It’s just like having a virtual credit card but it’s easier to use, over having a physical credit card. Would recommend to help spread payments. Reviewed on: 18th May 2024
Phil's avatar
Phil

What’s too like about PayPal.

5
What I particularly like about PayPal it has so many different options for paying for example spend £99 and get interest free credit, Pay in free payments which is done automatically no need to think about it also the APR interest rates is cheaper than my credit card. What’s not to like. Reviewed on: 18th May 2024
Kevin A's avatar
Kevin A

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