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

PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 119,839 reviews, last reviewed 4th Jun 2026
3183250% increase in 5 star reviews
in the past 90 days
9500% 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

Simple and easy Very easy to use and the app is great and layed out nicely Reviewed on: 4th June 2026
Chris's avatar
Chris

Latest lowest rating:

1

Not a credit card - not covered by credit card rules! The interest rate is really high. They are not a credit card so paying back the funds used is really difficult. When you speak to the staff on the pho... Read more Reviewed on: 4th June 2026
Mrs Wilson's avatar
Mrs Wilson
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 (119839)

Pay later option is a fantastic service which I make...

5
Pay later option is a fantastic service which I make use of often. I’ve recommended PayPal to so many others due to the 4 month zero interest options. Reviewed on: 27th May 2025
John's avatar
John

Customer service was very good when I spoke to pay pal.

5
Customer service was very good when I spoke to pay pal. Helped me with a refund. Very polite and professional Reviewed on: 27th May 2025
Laura's avatar
Laura

Useful and easy to use

5
PayPal Credit is useful and I find it easy to buy things. Reviewed on: 27th May 2025
Meee's avatar
Meee

PayPal user for over a decade

5
I've been using PayPal for over a decade now, and it's been a great experience. The convenience and ease of use make it my go-to for online payments. It's simple to navigate, transactions are smooth, and I always feel secure using their platform. The service feels comfortable and reliable—just what I need for both personal and business use. Highly recommended! Reviewed on: 27th May 2025
Amber W's avatar
Amber W

Excellent.

5
I always use PayPal. Wherever possible. It's very easy to use. And I like the reminders for upcoming payments. Reviewed on: 27th May 2025
Annie's avatar
Annie

PayPal is a great service and secure to use

5
PayPal is a great service to use, i can make secure and safe payments when i order stuff online and if I don't receive my items the PayPal customer service team tries their best to get my money back so I don't lose out on money Reviewed on: 27th May 2025
Usman Ashraf's avatar
Usman Ashraf

Very efficient way to purchase over the internet

5
Very efficient way to purchase over the internet Reviewed on: 27th May 2025
David G's avatar
David G

Secure way of purchasing on line with no need to pro...

5
Secure way of purchasing on line with no need to provide banking details to merchants. Credit options are helpful and provide more flexibility. Reviewed on: 27th May 2025
Tilly B's avatar
Tilly B

Smooth to use

5
App very easy to use and runs very smoothly. Not had any issues. Looks good and everything is user friendly. Would definitely recommend to everyone. Reviewed on: 27th May 2025
Alison C's avatar
Alison C

Paypal offers convenience, innovation and flexibility.

5
Paypal offers a very convenient, adaptable and friendly service, with a range of credit options; their PayPal Credit is competitive and customisable, and their Pay In Three is handy and innovative. Reviewed on: 27th May 2025
JT's avatar
JT

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