Smart Money People Logo

PayPal: PayPal Credit reviews

4.90
Based on 103,329 reviews, last reviewed 10th May 2026
2421600% increase in 5 star reviews
in the past 90 days
7150% 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

The easiest interest free credit... Purchases with up to 24 months interest free credit is fantastic and not having to jump through a thousand hoops is brilliant. Reviewed on: 10th May 2026
Mike W's avatar
Mike W

Latest lowest rating:

1

PayPal had failed to properly set up direct debit ev... PayPal had failed to properly set up direct debit even after speaking directly to them to ensure payments would go through. It was a mistake in their ... Read more Reviewed on: 10th May 2026
Daniel C's avatar
Daniel C

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.

PayPal PayPal Credit reviews (103330)

Review of the PayPal, PayPal Credit:

A must have!

5
Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Prefect for purchasing

5
I find using PayPal easy and it gives me extra security when making purchases, the in terst free monthly installment plans are also excellent to use. Clear statements are also very good to keep a check on your finances and ensuring everything is paid on time. Reviewed on: 5th May 2026

honest and fast service always there to help and res...

5
honest and fast service always there to help and resole any issues Reviewed on: 5th May 2026

I have used PayPal for most of my transaction

5
I have used PayPal for most of my transactions and find it easy to use if you do get a problem the react quickly Reviewed on: 5th May 2026

Fantastic

5
Fantastic customer service and support with great emails for reminders and help. Friendly staff on the phone and such an easy service to use. Reviewed on: 5th May 2026

Very convenient way to pay over time.

5
Very convenient way to pay over time. Reviewed on: 5th May 2026

PayPal is reliable and trustworthy.

5
PayPal is reliable and trustworthy. I’ve always had a really smooth experience using PayPal — payments go through instantly and it feels secure every time I use it. It’s especially reassuring knowing I have buyer protection if anything ever goes wrong, which makes online shopping much less stressful. Reviewed on: 5th May 2026

Fast, easy, secure and friendly

5
Available on most online stores as a payment method. Many different payment styles, competitive interest rates. Regularly use it. Reviewed on: 5th May 2026

Great service

5
fast, easy, convenient and most importantly reliable for payment. I recommend it to all my friends and family Reviewed on: 5th May 2026

Great for spreading the cost

5
Great way to pay if you want to spread the cost Reviewed on: 5th May 2026

I use PayPal for paying my mobile bills , their serv...

5
I use PayPal for paying my mobile bills , their service is good Reviewed on: 5th May 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from PayPal?

  • Pay in 3

    from PayPal 4.93 from 48785 reviews
    PayPal
  • Payments

    from PayPal 4.91 from 3709 reviews
    PayPal
  • Credit card

    from PayPal 4.90 from 80 reviews
    PayPal
    View all products