Smart Money People Logo
Share this page
Link copied

PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 49,256 reviews, last reviewed 29th May 2025
1700200% increase in 5 star reviews
in the past 90 days
1267% 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

HASSEL FREE PAYMENT SERVICE User friendly and easy way make payments, love it Reviewed on: 29th May 2025
Kenny M's avatar
Kenny M

Latest lowest rating:

1

It’s a very frustrating experience. It’s a very frustrating experience. My monthly payment often bounces despite me having the money in my card and I then pay payment failure fees. They ... Read more Reviewed on: 29th May 2025
RM's avatar
RM
Read all reviews Write a review

About this product

PayPal Credit is a virtual credit card.

PayPal Credit can be added to your PayPal wallet and is accepted at thousands of online stores. Your purchases are protected by PayPal’s 24/7 security and encryption. You also get Buyer Protection on eligible purchases.

PayPal Credit reviews help you find out what it’s really like to be a customer. If you’ve used PayPal Credit 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 (49256)

Cannot fault, reminders, parcel tracking, easy to ke...

5
Cannot fault, reminders, parcel tracking, easy to keep up with your account & PayPal protection too Reviewed on: 29th May 2025
Smiffie's avatar
Smiffie

Convenient and Flexible, But Use With Discipline

5
I’ve been using PayPal Credit for a few years now and it’s been a useful tool — especially for spreading out larger purchases without interest (as long as you clear the balance in the offer window). One of the standout features is the 0% interest for 4 months on purchases over a certain amount, which can be really helpful if you’re managing cash flow. The application process was simple and the integration with PayPal makes it very easy to use — you just check out as normal and select PayPal Credit. The interface is clear and payments are easy to track, with reminders and notifications that help you stay on top of it. That said, the standard interest rate is quite high if you don’t pay off the balance within the 0% period, so it’s important to be disciplined. It’s also not accepted outside of PayPal, so you’re limited to merchants that support it. Overall, I’d recommend it if you’re confident you can pay things off within the interest-free period — it’s convenient, fast and flexible. But it’s not a long-term borrowing solution. Use it wisely and it works well. Reviewed on: 29th May 2025
Huseyin's avatar
Huseyin

Paypal credit has given me more freedom with money a...

5
Paypal credit has given me more freedom with money allowing me to make expensive much needed purchases and pay them off at affordable amounts each month. I am great at budgeting however i am not someone who has large amounts of money aside for when bigger purchases are needed so paypal credit had been a great support. Reviewed on: 29th May 2025
CD's avatar
CD

Great experience each time I use it, plenty of optio...

5
Great experience each time I use it, plenty of options to choose how and when to pay Reviewed on: 29th May 2025
Michelle Bennett's avatar
Michelle Bennett

PayPal it's safest and greatest app.

5
PayPal it's safest and greatest app. Using for years it's so user friendly. Simply 5-star Reviewed on: 29th May 2025
Piotr S's avatar
Piotr S

Awesomely safe

5
It's really been wonderful expecially security wise Reviewed on: 29th May 2025
mobolaji l's avatar
mobolaji l

I think PayPal credit is a great flexible tool to...

4
I think PayPal credit is a great flexible tool to use Reviewed on: 29th May 2025
Jo 's avatar
Jo

PayPal Credit is a lifesaver!

5
PayPal Credit is a great to have and very useful if you need to make big online purchases, such as gifts, and allows you to spread the cost over months and choose how much to pay when you can. Reviewed on: 29th May 2025
Brad's avatar
Brad

Excellent service

5
Wonderful experience with their service Reviewed on: 29th May 2025
Ihechi K's avatar
Ihechi K

I haven’t had any issues with PayPal including m sen...

5
I haven’t had any issues with PayPal including m sending money, using PayPal credit pay in 3 and pay in 4 Reviewed on: 29th May 2025
gary S's avatar
gary S

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