Smart Money People Logo

PayPal: PayPal Credit reviews

4.90
Based on 94,295 reviews, last reviewed 4th May 2026
2006700% increase in 5 star reviews
in the past 90 days
5800% 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

I've been using PayPal for a long time, and I'm happ... I've been using PayPal for a long time, and I'm happy with it, no complaints. I recommend it to everyone. Reviewed on: 4th May 2026
Slawek Kostrzewa's avatar
Slawek Kostrzewa

Latest lowest rating:

1

Not had enough experience yet to rate properly Not had enough experience yet to rate properly Reviewed on: 4th May 2026
Kerry Sandford's avatar
Kerry Sandford

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 (94295)

easy credit

5
credit when and where you want it, easily managed Reviewed on: 13th June 2022

You are the best!

5
Thank you! You saved my life! Verry helpful! Reviewed on: 13th June 2022

Great idea, really helps with those small purchases

5
Used paypal credit card many times, easy to use and helps manage money Reviewed on: 13th June 2022

Awesome lender

5
Awesome lender, great lean process. Fast and hassle free. Definitely recommend!! Reviewed on: 13th June 2022

Efficient

5
Never had any bad dealings with PayPal credit. Very efficient and fair. Helped me when I got scammed. Always reminding me about when payments due. Very satisfied customer Reviewed on: 13th June 2022

So easy

5
Very straightforward and safe to use Reviewed on: 13th June 2022

Brilliant

5
Great for making those more expensive items Reviewed on: 13th June 2022

Very good

3
Easy to pay with on line and I feel confident in paying with PayPal Reviewed on: 13th June 2022

Easy to use

5
No issues on re payments and protected Reviewed on: 13th June 2022

No fuss credit card

5
Enjoy interest free for four months anytime you spend £99+ and occasional promotion of spreading purchases over 36 months interest free. Simple and easy to use app. Can’t ask for more than that. Reviewed on: 13th June 2022

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?

  • PayPal Open

    from PayPal 5.00 from 4 reviews
    PayPal
  • Pay in 3

    from PayPal 4.93 from 42896 reviews
    PayPal
  • Payments

    from PayPal 4.91 from 3691 reviews
    PayPal
    View all products