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Paypal Credit

5.4 Overall Score

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Paypal Credit

Name: Paypal Credit
Rating: 4.4

Is This Your Business?

4.4

star star star star star_half

206 User Reviews

5.4

Overall Score

Compare

4.4

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206 User Reviews

5.4

Overall Score

Compare

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Author: Kaitlyn Short

LAST UPDATED: September 12th, 2024

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4.4

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206 Reviews

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64%

4 grade

19%

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star star star star star

DocSue1 Hollywood, FL

What surprised me the most was the number of places that now accept this form of payment. With payment options to spread payments across 4 months, this is a convenient way to budget for items over time with a company that is transparent with its communications based on your preferences (email or text). There are also Rewards that give you actual cash towards purchases with select companies, and they can be quite significant. At any time, you are also able to see your purchasing power, manage your payments, and there are no penalties for paying earlier than scheduled. Overall, a positive experience with using Paypal Credit.

11 months ago

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Courtney Sykes

that utilizes them to service its consumer accounts. They will destroy credit standing for no other reason than they felt like it. I have never been late nor had anything outstanding with them or anything that went unpaid and have had my credit decimated due to them decreasing my credit lines with the 4 or 5 store cards their bank (Synchrony) manages on behalf of those stores. If you are considering starting a financial relationship with any store that allows Synchrony to harm their clients refuse to use and utilize that stores goods and services. As individuals we are weak as a collective we are strong and could twist the arms of several entities to no longer do business with Synchrony. There is a saying the enemy of my enemy is my friend. Well the same can be true of the friend of my enemy is my enemy. If as a collective we let the institutions that serve us know we can not in good conscious spend our money with stores or service providers that would allow harm to their clientele by allowing Synchrony to devastate their patrons financially.

4 months ago

star star star star star

Anita Fendrick

SO EASY TO ACCOMPLISH PURCHASING !!! AND WE FEEL SAFE EVEN WHEN PURCHASES ARE FROM A COMPANY WHERE WE ARE FIRST TIME BUYERS... DO WISH I COULD FIGURE A WAY TO SEND CASH TO RELATIVES WITHOUT INCURRING A FEE. WE HAVE TO LOOK INTO MORE INFORMATION ON THAT.

7 months ago

star star star star star

McDonald

I have had nothing but positive experiences with PayPal. They provide excellent customer service and always stand behind their purchases. I highly recommend using PayPal whenever possible for a hassle-free payment experience.

8 months ago

star star star star star

Boy Coded

It's a pretty solid app overall, but sometimes it can be a bit frustrating. There have been instances where money gets held up or transactions don't go smoothly. It would be great if PayPal could work on fixing these issues to provide a smoother experience for its users. Despite these hiccups, PayPal is still widely used and trusted by many people for online transactions. If you encounter any specific problems, I suggest reaching out to PayPal's customer support for assistance. They should be able to help you out. Let me know if there's anything else I can do for you!

9 months ago

star star star star star

Rex

Paypal Credit Card easy to transaction. Moreover I feel peace for its safe transaction. I've 2 card and I always everywhere even to doctors fees. No tension for blocked or hacked. Nice design also.

7 months ago

star star star star star

Eddie Rios Ogden, UT

Coupled with Ebay, Paypal is unmatched. Separated from Ebay- Paypal is unmatched. I use it exclusively for all of my business purchasing and charging. It has never failed me. And all of the added services that Paypal provides makes this the most valuable card I own.

4 years ago

star star star star star

Funbi Atokose

One thing I love about PayPal credit card is the flexibility it offers. I use it to make purchases anywhere that accepts PayPal, both online and in-store. It's a convenient way to pay for my shopping without having to enter my card information every time. It's also quite convenient and easy to use.

9 months ago Edited April 2, 2024

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Nora Mosley

Paypal credit is great when you are in a pinch and someone needs help. I am able to save and send money when I need to and it is always a lifesaver. It gives me the satisfaction in knowing that I can always count on them when I need to use my account. It also provides the multiple verification so I always get a code to login. and it sends me emails when I try to login from another computer.

9 months ago

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Kristian Perez Clavell

In my experience, what I like the most from paypal is the security that it provide in every transaction with any company. Once I have a bad experience with a vendor, but Im glad that I used Paypal for the transaction because they take in charge the task of investigate what happened an everything was good.

9 months ago

star star star star star

Stephanie Bloniarz

I've used PayPal for many years! I appreciate knowing that PP has my back when I make a purchase. I often use PP to shop on Temu, and Shein and feel confident I won't get hit with anything fradulent. It's very easy to use, and trustworthy!

9 months ago

star star star star star

Stephanie M. Oceanside, CA

Very useful to have when you need to buy things but low on cash/funds. I use PayPal credit when I have large expenses, such as at Christmas time. I get my shopping done online and have a variety of options on how to pay the total off.

10 months ago Edited February 20, 2024

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Annette Branson, MO

There are many pay options with Paypal credit. most all are interest free anything 100 total or more if paid in a year, and more time for higher charges. They also have 4 payments no interest. Great way to keep customers coming back

11 months ago

star star star star star

atokoose taiwo boluwatiwi Lagos, LA

Effectively fast, efficiency, and error free, these 3 things are my main definition for PayPal credit based on my years of experience using them. I use it mostly in my online payments subscriptions because of its direct integration just with my email alone.

11 months ago

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Rafael Matthew Jamaica Plain, MA

I recently opened a Paypal Credit account and the entire process was unbelievably easy. Plus, the customer service reps were very helpful in answering all of my questions. The online application process was simple and straightforward, and within minutes I had my account set up and ready to go. I would highly recommend Paypal Credit for transferring money outside or inside the country!

1 year ago

star star star star star

Amanda Jo Presque Isle, ME

I have had PayPal since 2014 I believe or so. Never had an issue with fraud. PayPal automatically puts a hold on my card if the purchase doesn't seem like my spending. To transfer money is the simplest with PayPal. You can design your own card with a picture and they take the $2.99 on the next month bill. And I enjoy never having to pay a overdraft fee. I am honestly so grateful for PayPal. You will be to. XoXO

2 years ago

star star star star star

Pia

One of my best credit cards to send in my money to different countries and to my love ones. I love the payment ease with them.

8 months ago

star star star star star

DLE

PayPal Credit makes it very easy to check-out with this option, and to transfer funds using PayPal Credit. Terms are fair, and leave plenty of time to pay back.

7 months ago

star star star star star

Sinister Babe Kyle, TX

This was the best thing I ever applied for, it really helped me build my credit score. It’s easy and simple to use. Very convenient within the PayPal app. Able to use it with anyone who accepts PayPal.

11 months ago Edited January 15, 2024

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TC B Florissant, CO

Love using paypal credit! It is through Synchrony Bank and your limit increases over time. I like that if you pay any purchase over 100.00 within 6 months, there is no interest paid! Great incentive to use paypal credit!

1 year ago

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Osotomilayo

the security features provided by PayPal Credit give me peace of mind when it comes to protecting my financial information. The advanced encryption technology and fraud protection measures ensure that my transactions are safe and secure, allowing me to shop online with confidence.

9 months ago

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Liam steiner Cedar Knolls, NJ

I love it because it's fast, convenient and secure. I have never had worry about my credit card because PayPal has a secure system where I can set up two factor authentication codes. That security make me comfortable while making online purchases.

11 months ago

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Hank Ricardo Winnipeg, MB

I use my Pay Pal alot. Now they have PayPay Credit. Its exactly like a credit card but linked to your Pay Pal account. This one time i didn't have enough money to buy an item, but PayPal credit helped me out .

11 months ago

star star star star star

Nieceyshark Beaumont, CA

Love being able to use Pay Pal Credit when online. Provides an extra line of credit security. Allows you to use credit with having to give your credit card information to people /companies you may not know. It is accepted by most companies online.

1 year ago

star star star star star

Cherie Cole Clifton Park, NY

I love PayPal! I use PayPal for everything I buy that offers it as a way to pay. I know if there is a problem or something needs to be returned for good reason that they will protect my purchase. For me, it is the safest way to purchase any service or products when offered. I highly recommend Paypal .

1 year ago

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Michelle Thomas Anaheim, CA

Well this Pay pal credit in the beginning was working well. I had been scamed on some Kane Brown tickets and they covered the loss. I was very pleased to not lose $2,800.00. After that I had something go wrong and it was during Covid. I couldn't access my account and I was unable to reach a customer service rep. I to this day cannot access my Paypal and it won't allow me to get any access. I will have to call and tell them to fix the issue. I have found Zelle is the best money transferring and receiving process because it is through my bank app. So PayPal I am really on the fence with how I feel about it.

1 year ago

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Armando Bolivar Austin, TX

So PayPal is a good company. accepted anywhere you will like to pay, online or by easy pay. the reason for the low grade is the financial institute they have for they credit. at this moment is Synchrony Bank. Just bad customer care. I just do not accept financial institute that do not help customer to answer their question or help with customers concerns, but punish them with late fees and other fees. but this is not review for them. at the end if you don't about your financial institute not having a hart, and you know you can handle your finances with out the help of them by all mean go for it you will not regret it.

1 year ago

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Lynnetta W. Monroe, LA

I like the convenience and wide available to purchase with PayPal on multiple platforms. I also like that it does have a 6 month interest free payments. I dislike that they don't have 12 or 18 months interest free. They should be like Home Depot or Lowe's & others. Anything $200 & above should have 12 months no interest. I dislike the interest rates, too. After I clear this balance, I am highly considering not using them for anything else.

1 year ago

star star star star star

Terrunder Columbus, GA

Paypal is where i do all my buying from companies & i use paypal to pay the vendor. Customers support is Awesome & if a purchase been made or you dont get your orders one thing about Paypal they are going to get you straight. I love the business they provides for me.

1 year ago

star star star star star

Cynthia Henley Seaside, OR

wow i never thought that paypal could do any more than they already do for their customers especially those that don't have much money and work hard every day just to make their financial deadlines at home and with much help from companies like this one best ever thanks~

1 year ago

star star star star star

Bunny Garlington Weatherford, TX

Paypal is a wonderful peer to peer platform. Having the Credit account allows me to make purchases and pay them over time if I so desire to. This can reduce the anxiety of having to spend the full price all at once. There are many buy now pay later schemes, but I prefer to stay with tried and true!

1 year ago

star star star star star

Marla C St Louis, MO

I love using Paypal for my online purchases, but there are times when Paypal Credit is good for those large purchases that I want to make timely payments on. Paypal is a very well-known company and I use it exclusively when shopping online because I don't like putting my credit card info online.

1 year ago

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Kevin Ortiz

Are used to have my paypal credit card. I restructured my finances and eliminated this card because it did not contain a rewards program. Sad to say that there are better options out there in terms of bang for your buck in credit cards

1 year ago

star star star star star

cindy g Victorville, CA

I’ve had a PayPal credit account for a few years now and I have never had any problems with them. I’ve ran into fake emails and I’ve reached out to them and they’ve made it very clear that they’re scams and any other issues that I have I can always go to them, and they reply quickly

1 year ago Edited May 24, 2023

star star star star star

Cat Metzenbaum Ogden, UT

I am fairly new to PayPal credit, but I like what I see so far. PayPal credit allows me more shopping opportunities as it is widely accepted in the retail world. PayPal credit allows me to pay for merchandise with one easy and secure transaction. Their website makes it easy to see my balance and transactions so I can monitor my spending habits.

1 year ago Edited May 25, 2023

star star star star star

Joe White Dallas, TX

I have had PayPal/PayPal Credit since my college days back in 2009 and still with them to this day. PayPal has also modernized the deferred payment program (almost like a BillMeLater program) which I highly recommend for larger purchases and paying off goods overtime without taking out credit. Really love having my PayPal account!

1 year ago

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Ilspbeth Bruce

i love paypal credit! i have been a member for 5 years with just a basic account so that i could send money for free to my kids. then i applied for their credit and had a $900 credit limit with poor credit! I was blown away everywhere else that i applied i was being denied or the apr was thru the roof. Paypal has been great. since then they have upped my credit limit 2 times atomatically which i love.

1 year ago Edited April 11, 2023

star star star star star

Crystal

Love that there's no APR interest for 6 months on some orders. The website and app make it easy to see how much time you have left to pay on each purchase to avoid paying interest. Sometimes I wish there was a physical card I could use.

1 year ago

star star star star star

C. McDaniel Atlanta, GA

I've had them for years and I love not having to give other companies my personal information, just go through PayPal, and if you ever have any problems with a company or individual you've bought something from through PayPal, they WILL get you a refund , they have for me numerous times !!

1 year ago

star star star star star

gar greiner Colorado Springs, CO

I love PayPal.simple and easy to send or receive funds instantly. Also safe when online shopping.if there was ever a problem with a retailer PayPal will take care of it asap. I use PayPal credit when I want something but need a little more time as I'm on a fixed income .it's all good with PayPal .thanks,G B.Greiner. easy,secure,safe

1 year ago

star star star star star

Robbin Nelson Castle Hayne, NC

I love paypal because it protects my purchases. Most of the time I get in on the no interest rate purchases, so the interest doesn't affect me. If you have the opportunity to purchase using PP, I would recommend it only because of the purchase protection.

1 year ago

star star star star star

kelli s Las Vegas, NV

I’ve been a customer of both the regular card and business card for many years. I stay because of the great benefits and sense of security I have with them. The CS team is A1 in fraud detection and they have saved me on a few occasions.

2 years ago

star star star star star

ave Pleasant Grove, UT

I use Paypal for most of my online shopping needs because it comes with a warranty and insurance that if something isn't right with your purchase they will make it right. They also have a great customer service which is quick to respond to inquires.

5 years ago

star star star star star

nathan brewer Lehi, UT

Paypal has made life so easy! It is so nice to not have to have to carry my wallet as much because so many places accept paypal credit. I always carry my phone but don't always like carrying my wallet and this has made that possible.

5 years ago

star star star star star

Blankie

Was able to purchase many items for my daughters wedding, my cellphone and for myself.

5 months ago Edited August 2, 2024

star star star star star

Vikky Blaq

This is the best banking app so far what I love most about it is the features allowing you to buy bitcoin on it and send this is top notch

11 months ago

star star star star star

Gina Donofrio Lafayette, TN

I have been very happy with my card. PayPal keeps me informed of every transaction. I don't have to worry about any fraudulent charges with their quick reaction times.

2 years ago

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Diane Tacoma, WA

We’ve used PayPal for years and have asked for help with issues 3 times. They never side with us, they side with the merchant. This last time we ordered something for 27 dollars. The merchant charged the 27 dollars PLUS 163.23. I contacted the resolution center and they did nothing to help us. We are out the 163.23. We’re finished with them but just want others to be aware.

4 years ago

star star star star star

Dorothea Cassady

The give free protection and fight for reimbursement claims, offer extended time no interest payments, are always accessible, require no card numbers to avoid hacks.

7 years ago

star star star star star_border

Amani Patel York, PA

I like this company, but sometimes feel wary of its services and feel I may be at more risk for scams compared to other credit card companies. That being said, this company is very communicative and has been there for me!

11 months ago

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