Smart Money People Logo
Go to business site
Share this page
Link copied

PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 109,127 reviews, last reviewed 17th May 2026
2687750% increase in 5 star reviews
in the past 90 days
7900% 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 have nothing to worry about when using PayPal. I have nothing to worry about when using PayPal. Service provided are top notch. Reviewed on: 17th May 2026
Baba o's avatar
Baba o

Latest lowest rating:

1

Every time I go use my PayPal credit card it gets de... Every time I go use my PayPal credit card it gets declined. Which is embarrassing. Reviewed on: 17th May 2026
Sonya H's avatar
Sonya H
Read all reviews Write a review

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.
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 (109127)

Great array of bonus points and offers on an easy to...

4
Great array of bonus points and offers on an easy to use app that works really smoothly & securely. The send a payment link option has been a really useful; polite way to sort out shared costs with friends. Reviewed on: 6th May 2026
Seb D's avatar
Seb D

PayPal Credit

5
It has been simple and easy to use and set up. I have had no issues and have found it to be rather beneficial to me. I would highly recommend. Great offers and best ways of paying to help me make the best choices and make affordable payments along the way Reviewed on: 6th May 2026
Courtney G's avatar
Courtney G

More easy to use and app looks more professional

4
More easy to use and app looks more professional Reviewed on: 6th May 2026
Nithin Santhosh's avatar
Nithin Santhosh

Easy to use and manage.

5
Easy to use and manage. Allows me to pay in a secure way and pay at my own leisure. accepted almost everywhere I would shop online. Feels secure to use which is a peace of mind, always has been a trust worthy way of paying. Reviewed on: 6th May 2026
Emily m's avatar
Emily m

my great experience with PayPal Credit has been gr...

5
So far, my experience with PayPal Credit has been great. The application process was simple, payments are easy to manage, and the flexibility has been really helpful. I also appreciate the smooth integration with PayPal purchases and the clear account tracking. Reviewed on: 6th May 2026
Julian C's avatar
Julian C

PayPal Credit has enabled me to budget more expensiv...

5
PayPal Credit has enabled me to budget more expensive purchases without getting into long term debt. With the ability to repay over 3 or 4 months, at zero interest rate it enables me to purchase higher quality items and spread the cost. Have used PayPal credit to pay for holidays, appliances, other household items and more. Reviewed on: 6th May 2026
Anne W's avatar
Anne W

I have always felt supported by PayPal when consider...

5
I have always felt supported by PayPal when considering purchases. There are always several options available depending on my circumstances and the App is very easy to navigate and understand. Reviewed on: 6th May 2026
Jon's avatar
Jon

Great to have pay pal back up

5
Paypal finance has given me the confidence to purchase from sellers and business knowing I have back up if things go wrong, also has given me the ability to react to emergencies ( shower failure) when I have few pounds in the bank to make an emergency purchase Reviewed on: 6th May 2026
Christine C's avatar
Christine C

They are helpful and no interested is added for 4 mo...

5
They are helpful and no interested is added for 4 months Reviewed on: 6th May 2026
Mel Williamson's avatar
Mel Williamson

Excellent

5
Very good. Excellent. A like so much Reviewed on: 6th May 2026
Jose R Zangarini 's avatar
Jose R Zangarini

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