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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.92 (30761 reviews)

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4.92

Based on 30,761 reviews, last reviewed 18th Feb 2025

100% decrease in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Better commissions honestly I made an account with them! At least they're charging less than regulars thieves banks.. I've sent some money I owed to a friend that's currently in ... Read more Reviewed on: 8th October 2024

Latest lowest rating:

1

2 Weeks for Payment to Reflect in Available Credit I escalated to customer service manager, and he said "it's in the terms and agreement," while mentioning the 48-72 is for it to reflect in balance, bu... Read more Reviewed on: 18th February 2025

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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.

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PayPal PayPal Credit reviews (30761)

2 Weeks for Payment to Reflect in Available Credit

I escalated to customer service manager, and he said "it's in the terms and agreement," while mentioning the 48-72 is for it to reflect in balance, but not available credit. So, I am essentially loaning Paypal my money for 2 weeks. When I would ask a question, he would say "would you like me to send you the terms and agreement?" I explained, this occurred after making a payment of $3200 instead of my intended $320. I immediately realized my mistake and tried to cancel the payment when I received "system is currently having issues" message. When I logged out and went back in, I did not have the option to cancel. This is not how a credit card company works, and have never had this happen in over 30years of using credit cards. Do NOT look at Paypal Credit as anything like any kind of credit line or credit card you've ever used. They have things they need to fix. Buyer Beware! Reviewed on: 18th February 2025

Poor account management

Their system for managing payments is shockingly bad, very poorly managed. The misinformation on my account led to a missed payment, which thankfully was resolved, but I have no trust in them at all. Reviewed on: 10th February 2025

few days ago I had to email for the customer service...

few days ago I had to email for the customer service because of the payment date to change .I struggling paying on the 4th .So i did asked if they could help me to change to the 8th.I can pay put not that day what they giving to me.AILISH was nice emailed me back saying she will forward my email to the Credit department so they will getting touch with me..Nobody get back to be since ..Iam so stressed to get fees etc..Really affect my mental health can't sleep ..I cant give 5 starts coz my problem still not been solved . Reviewed on: 2nd February 2025

Better commissions honestly

I made an account with them! At least they're charging less than regulars thieves banks.. I've sent some money I owed to a friend that's currently in Mexico. Had to pay like 50 euros in commissions man.. At least with PayPal the transfer is quicker and they have less commissions, thank you God Reviewed on: 8th October 2024

Recommended though give it a little thought before hand

Being able to pay for expensive items within a few months is always nice to have though the date of the payment can be quite annoying the minimum payment as it would be nice to choose the date but I guess it's due to security. Reviewed on: 6th September 2024

I never have a problem with PayPal.

I never have a problem with PayPal. I find it very easy to use on line, not so easy in the shops. Reviewed on: 30th June 2024

I'm always happy to use to PayPal.

I'm always happy to use to PayPal. PayPal give you confidence and any further payments. Reviewed on: 24th June 2024

Customer Services was very helpful

Customer Services was very helpful Reviewed on: 20th June 2024

There when you need it.

There when you need it. Waiting till payday? No problem use PayPal credit Reviewed on: 18th June 2024

Quick installments without any hassle.

Quick installments without any hassle. Extremely convenient. Reviewed on: 18th June 2024

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