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 99,976 reviews, last reviewed 6th May 2026
2268650% increase in 5 star reviews
in the past 90 days
6450% 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

Great interest free rates good lender fair and doesn... Great interest free rates good lender fair and doesn’t rip you off and love the points scheme to turn points into spends Reviewed on: 6th May 2026
Kelly H's avatar
Kelly H

Latest lowest rating:

2

Poor service / payment standards and website. Cant get to speak to a real person when wanting to know about a payment. Important point you try to save money on staff costs BUT the bot based assis... Read more Reviewed on: 6th May 2026
Richard Davies's avatar
Richard Davies
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 (99976)

It's just so convenient

5
PayPal credit for me is perfect Being that everyone is feeling the credit crunch for increasing cost of living I feel at ease knowing I can purchase essentials using PayPal credit And just pay it back the next month, Better than a credit card that I feel punishes you for using it Thank you PayPal for making like that little bit more stress free Reviewed on: 8th July 2022
Its_Ezlan's avatar
Its_Ezlan

I like credit card

5
perfect product! I like this one. Reviewed on: 8th July 2022
Freddy Vaca's avatar
Freddy Vaca

PayPal credit

5
Very easy to use and makes spending easier Reviewed on: 8th July 2022
Banz 's avatar
Banz

PayPal credit

5
Simple to use & easy to manage. Reviewed on: 8th July 2022
JC's avatar
JC

Really impressed

5
You have 4 months to pay off purchase. Great service from PayPal as always Reviewed on: 8th July 2022
megan-neale@hotmail.co.uk's avatar
[email protected]

Easy to use and wide availability.

5
Great way to budget and make purchases with no interest Reviewed on: 8th July 2022
Koukalala's avatar
Koukalala

Happy

5
Quick and easy process to pay for everything Reviewed on: 8th July 2022
Przemek's avatar
Przemek

Good product

5
Good interest rates and offer, many retailers accept paypal . Reviewed on: 8th July 2022
Valentin Negrut's avatar
Valentin Negrut

Peace of Mind

5
Peace of mind all your purchases are safe, secure and protected. Future Technology we can’t live without in today’s world. Reviewed on: 8th July 2022
Judy Horrocks's avatar
Judy Horrocks

Excellent Credit Option for Quick Online Transactions

5
I think PayPal's credit option is fantastic. So easy to apply and use, especially with the payment options available. Really love the service and the ease and availability across so many retailers. Reviewed on: 8th July 2022
Neal's avatar
Neal

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 46984 reviews
    PayPal

  • Credit card

    from PayPal 4.91 from 79 reviews
    PayPal

  • Payments

    from PayPal 4.91 from 3707 reviews
    PayPal
    View all products

    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