Paid advertisement
Smart Money People Logo
Newsletter

PayPal: PayPal Credit reviews

4.73
Based on 138,974 reviews, last reviewed 15th Jun 2026
4054800% increase in 5 star reviews
in the past 90 days
11500% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Easy to use and easy to keep track of. Easy to use and easy to keep track of. The only issue is you can’t choose what to pay off when you make payments - for example, I don’t have the optio... Read more Reviewed on: 15th June 2026
Laura P's avatar
Laura P

Latest lowest rating:

1

It's impossible to close your account. It's impossible to close your account. Their online chat agents cut you off repeatedly when trying. Reviewed on: 15th June 2026
Jenna D's avatar
Jenna D

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. Write a review

PayPal PayPal Credit reviews (138974)

Love the 0% payment terms!

5
Love the 0% payment terms, why would you not take full advantage of 4 months payment terms @ 0% interest! I use this for all purchases, especially where the purchase last 3 or more months. For example, I buy 3 months stock of supplements at a time from British Supplements, get a good rate/discount as a result, the pay for this over 3months interest free! All EBay purchases also interest free when paying via PayPal. Reviewed on: 14th April 2026

I love paypal.

5
I love paypal. I try to use it for everything that I can, it's so simple and user friendly. Payments are secured and give you thr relief knowing you have the name of paypal behind it. Any issues are immediately sorted. Had it for a lifetime and never let me down. Would give 10 stars. Reviewed on: 14th April 2026

I find PayPal Credit really convenient for everyday...

5
I find PayPal Credit really convenient for everyday use — it’s basically like having a built-in credit line on your PayPal account, so you can spread the cost of purchases without needing a physical card. The biggest plus is the 0% interest for 4 months on purchases over £99, which makes it handy for bigger buys and short-term budgeting. Reviewed on: 14th April 2026

Love pay pal.

5
Love pay pal. Gives me the option to pay over longer time either no interest Reviewed on: 14th April 2026

East to apply for and manage.

5
East to apply for and set up DD for repayments. Reviewed on: 14th April 2026

Easy to send money to everyone and they will get spo...

5
Easy to send money to everyone and they will get spontaneously Reviewed on: 14th April 2026

Best credit card

5
Everything with Paypal credit is flexible Reviewed on: 14th April 2026

I love the protection that PayPal gives me.

5
I love the protection that PayPal gives me. It’s peace of mind when paying for things online Reviewed on: 14th April 2026

PayPal is secure and honest staff

5
Pay pal is secure and reasonable price and your money Reviewed on: 14th April 2026

PayPal is the way forward

5
I have been using PayPal for years now and have rarely experienced any issues at all. I would definitely recommend PayPal for everyone the flexibility is absolutely great and it’s so easy to set up. Reviewed on: 14th April 2026

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience. Write a review