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MariaP

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Review of the PayPal, PayPal Credit:

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Good overall, delayed payments

I’ve been using PayPal for many years and my experience has always been positive. Payments are quick, the app is easy to use, and I’ve never had any major issues. It’s a service I trust and feel confident using. One improvement I would suggest is having the option for repayments to be taken immediately when using PayPal Credit. At the moment, payments can take a few days to be processed. Because of this delay, I’ve had situations where I made a payment while I had the money available, but when PayPal attempted to take the funds a few days later, the money was no longer in my account. Unfortunately, this has affected my credit score, even though I had made the payment on time. An instant payment option would make things much clearer and help avoid these situations. Reviewed on: 14th April 2026

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