Smart Money People Logo
Share this page
Link copied

PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 50,804 reviews, last reviewed 24th Aug 2025
100% decrease in 5 star reviews
in the past 90 days
100% decrease 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

PayPal is great for quick payments and easy credit i... PayPal is great for quick payments and easy credit if needed Reviewed on: 24th August 2025
David 's avatar
David

Latest lowest rating:

2

Confusing payment/direct debit process Poor customer service, the first person did not read my issue properly and gave me an irrlevant answer and when I requested they read ALL my messages ... Read more Reviewed on: 16th June 2025
Jane B's avatar
Jane B
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 (50804)

I recommended to everyone!

5
PayPal credit helped me so many times to do purchases that otherwise I wouldnt be able to do. Also, it's a safe and quick way to pay. Reviewed on: 26th May 2025
Sofia K.'s avatar
Sofia K.

Had no problems

5
Had no problems very happy have used PayPal for a long time and never had any problems Reviewed on: 26th May 2025
Vicky w's avatar
Vicky w

Replacement for pay in 3

5
I am only using PayPal credit as the option to use PayPal pay in 3 is no longer available on my account and PayPal customer services cannot give me a reason as to why. PayPal credit works OK but I'd rather have the pay in 3 option again. Reviewed on: 26th May 2025
Jessica G's avatar
Jessica G

Very easy to use and they are very responsive

5
Very easy to use and they are very responsive Reviewed on: 26th May 2025
Ricardo v's avatar
Ricardo v

An excellent service from PalPal.& PayPal crdit4

5
PayPal and PayPal credit offer an excellent service with the.added benefit of being able to manage your finances with 0 rate interest provided you pay back within the 4 month period for the credit card or 3 months using PayPal for goods over £110. Reviewed on: 26th May 2025
Robert R's avatar
Robert R

Easy to use and helpful on occasion

5
Easy to use and helpful on occasion Reviewed on: 26th May 2025
Mark A's avatar
Mark A

Easy to use , no hiden terms and conditions.

5
Easy to use , no hiden terms and conditions. Great communication. Variety of payment options makes it easy and user friendly. Reviewed on: 26th May 2025
Martin N's avatar
Martin N

Very slow on taking account payments

4
The only downside I have is that payments made to Paypal credit are not debited same or next day but sometimes a week later meaning having to check money is still available when the payment is taken. Reviewed on: 26th May 2025
Neil Herbert's avatar
Neil Herbert

Great Job!

5
Have had a good experience with PayPal. There credit and pay in 3 options are great for helping manage my money Reviewed on: 26th May 2025
Daniel A's avatar
Daniel A

I forget sometimes I have this option

4
I used my credit before the 3 payment options I wouldn’t have had if had use that before Reviewed on: 26th May 2025
Pablo G's avatar
Pablo G

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