Smart Money People Logo
Go to business site
Share this page
Link copied

PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 91,351 reviews, last reviewed 1st May 2026
1872050% increase in 5 star reviews
in the past 90 days
10600% 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

Quick and easy access to funds only thing is the hig... Quick and easy access to funds only thing is the high rates of borrowing Reviewed on: 1st May 2026
Terry 's avatar
Terry

Latest lowest rating:

2

I have not use it yet. I have not use it yet. I just created an account now Reviewed on: 1st May 2026
Berthe W's avatar
Berthe W
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 (91351)

Super convenient for spreading costs

5
I’ve been using PayPal Credit for about 8 months now and it’s honestly made online shopping way less stressful. The 0% interest offers on purchases over £99 for 4 months are brilliant for bigger buys. I used it for a new washing machine and paid it off comfortably without any interest. What I like: - Seamless checkout: If a site takes PayPal, PayPal Credit is usually an option. No new applications each time. - Clear dashboard: The app shows exactly what I owe, payment dates, and how much promo period I’ve got left. No nasty surprises. - Flexibility: I can make minimum payments when money’s tight, or clear it early with no fees. - Buyer protection: Same PayPal protection as normal, which gives peace of mind on higher value stuff. It’s not free money, obviously, you still need to budget and pay on time to avoid the standard interest rate. But used responsibly, it’s one of the most straightforward “buy now, pay later” tools I’ve tried. Way better than store cards with clunky apps. Would recommend for anyone who already trusts PayPal and wants a bit of breathing room on larger purchases. Reviewed on: 24th April 2026
Paige Zsigo-Oliver's avatar
Paige Zsigo-Oliver

Above and beyond.

5
Whenever I contact paypal by phone their staff are always polite and eager to help no matter what the problem without any bias. Usually its with a gentle Irish lilt which makes one feel at ease and able to convey your query without feeling humbled. Reviewed on: 24th April 2026
Jeffrey M's avatar
Jeffrey M

Great service, been using them for years.

5
Great service, been using them for years. No complaints here Reviewed on: 24th April 2026
Harry's avatar
Harry

Peace of mind ordering anything & always got your ba...

5
Peace of mind ordering anything & always got your back if there’s a problem with anything you’re buying or haven’t received. great service Reviewed on: 24th April 2026
Steve's avatar
Steve

Always felt confident to use PayPal even with refunds

5
Always felt confident to use PayPal even with refunds Reviewed on: 24th April 2026
june21@hotmail.co.uk's avatar
[email protected]

They are the best.

5
Pay pal is my no 1 choice for credit, They are the best in all departments. Reviewed on: 24th April 2026
andrew j's avatar
andrew j

Good for budgeting good for managing payments

5
Good for budgeting good for managing payments Reviewed on: 24th April 2026
Lucie's avatar
Lucie

Safe and quick payment

5
It was very easy and quick to use Reviewed on: 24th April 2026
Samar S's avatar
Samar S

Excellent service in all kind.

5
Excellent service in all kind. Keep good and support others in all kind of money support and customer service Reviewed on: 24th April 2026
Robin A's avatar
Robin A

PayPal sorted my problem in record time!

5
I've used PayPal for years. Never had any problems. I have had one occasion with a retailer charging me when they shouldn't andPayPal sorted it for me in record time. Couldn't be better! Reviewed on: 24th April 2026
Brian Wragg's avatar
Brian Wragg

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