Smart Money People Logo

PayPal: PayPal Credit reviews

4.90
Based on 108,808 reviews, last reviewed 17th May 2026
2672950% increase in 5 star reviews
in the past 90 days
7800% 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

Fantastic The website is really easy to, I love the pay in 3 option Reviewed on: 17th May 2026
MrsR's avatar
MrsR

Latest lowest rating:

1

Don't believe the payment protection they say is off... Don't believe the payment protection they say is offered. Use a real credit card and get real protection. Customer service is slow and useless. Reviewed on: 17th May 2026
RAH's avatar
RAH

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 (108808)

Very handy

5
Very handy when need extra credit to buy things i need now and pay later Reviewed on: 6th May 2026

As a small business owner, PayPal credit makes it ea...

5
As a small business owner, PayPal credit makes it easy so that I can provide for my business effectively and it’s a really fair system. I really love how people makes it easy for me to receive payments from my clients and for me to send payments out it’s really helpful to have a banking provider online. That is as effective as PayPal. Reviewed on: 6th May 2026

Payment Safety

5
Always know that this is a completely safe way to pay for goods. Reviewed on: 6th May 2026

It is a good experience to use PayPal Credit.

5
It is a good experience to use PayPal Credit. The best is the pointing system which is a bonus. Reviewed on: 6th May 2026

Excellent financial instrument

5
I have a very positive experience using PayPal I found using the service very efficient and user friendly. Reviewed on: 6th May 2026

Nothing special PayPal is still the same for years

3
Nothing special PayPal is still the same for years Reviewed on: 6th May 2026

I made to orders in December from Debenhams I sent b...

1
I made to orders in December from Debenhams I sent both order back Debenhams said they got all returns and I've still not had my money back off PayPal I have complain about 20 times and still not had my refund Reviewed on: 6th May 2026

No issues

5
No issues. Easy to use and good customer service Reviewed on: 6th May 2026

A good and easy way to spend money, it is quite help...

4
A good and easy way to spend money, it is quite helpful the “spread the cost” concept. Help a lot with the times we are living in. Reviewed on: 6th May 2026

A great way to get trouble out of the way if you are...

4
A great way to get trouble out of the way if you are money mindful Reviewed on: 6th 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 51506 reviews
    PayPal
  • Payments

    from PayPal 4.91 from 3719 reviews
    PayPal
  • Credit card

    from PayPal 4.90 from 82 reviews
    PayPal
    View all products