PayPal Credit Reviews in February 2025: User Ratings, Pros & Cons

"Worst service"

What do you like best about PayPal Credit? Credit cards attached to the PayPal. As a 3rd party service only makes it more difficult to deal with too may integrated systems What do you dislike about PayPal Credit? Phone service, no security protection No money back guarantee Worst customer service not only by phone auto system waist time, but the customer service constantly hangs up and transfers you to a wrong person. No security protections. Your bank will do better job getting your money ...

"Terrible for Prime and Superprime credit!"

What do you like best about PayPal Credit? I suppose there is a convenience factor but it does not outweigh the bad practices. What do you dislike about PayPal Credit? Their practice of filing reports to the Credit Reporting Agencies (CRA's) without notice as if the borrower were Subprime. What problems is PayPal Credit solving and how is that benefiting you? We had an account with them and due to changing banks and missing a mailed statement they filed a 30 day late report to the CRA's ...

"Terrible for Prime and Superprime credit!"

What do you like best about PayPal Credit? I suppose there is a convenience factor but it does not outweigh the bad practices. What do you dislike about PayPal Credit? Their practice of filing reports to the Credit Reporting Agencies (CRA's) without notice as if the borrower were Subprime. What problems is PayPal Credit solving and how is that benefiting you? We had an account with them and due to changing banks and missing a mailed statement they filed a 30 day late report to the CRA's ...

"Convenient and Easy to use"

What do you like best about PayPal Credit? I love that PayPal crappy is integrated into most retailers websites. The 6 months deferred interest is great too. What do you dislike about PayPal Credit? The 25% interest rate after the promotional period is rough Recommendations to others considering PayPal Credit: The ease of use is above all in terms of online shopping. The 6 month interest free financing is incredible and not something offered by major card brands. The post promotional period ...

"Good service"

What do you like best about PayPal Credit? The ability to put $100 or more on layaway What do you dislike about PayPal Credit? There arent many things I dislike. I wish this had a real card that went along with the account so I could use it for live purchases Recommendations to others considering PayPal Credit: USe it only for $100 or more What problems is PayPal Credit solving and how is that benefiting you? Paying for online orders that I dont immediately have $ for but I will over time

"Easy to use"

What do you like best about PayPal Credit? Navigation and variety of options available What do you dislike about PayPal Credit? Slow in speed may be because of the server Recommendations to others considering PayPal Credit: Would recommend to use it What problems is PayPal Credit solving and how is that benefiting you? One click payment

"It’s very fast and convenient to use"

What do you like best about PayPal Credit? I like that it send me notifications whenever I purchase an item with it. Also, I can just easily login and press a purchase button to easily buy things What do you dislike about PayPal Credit? To be honest, I don’t dislike anything about the app What problems is PayPal Credit solving and how is that benefiting you? The benefits are that I don’t have to take out my card each time I buy something

"Amazing option to finance them expensive purchase"

What do you like best about PayPal Credit? I love how quick you can get a decision from PayPal and how convinent it is when buying. What do you dislike about PayPal Credit? Wish it would store credit information and maybe a tool to track credit history or score What problems is PayPal Credit solving and how is that benefiting you? It is easy to use so makes financing big purchasing way easier. Also one click tool helps me with quicker purchases

"Easy to use, a go-to payment method!"

What do you like best about PayPal Credit? I like how easy and quick it is, paypal allows me to pay some for dinner or coffee in a second, and then it's also very easy to transfer any extra funds back to my bank. It's also a nice alternative to giving out my credit card info directly if I find a site to be maybe suspect. What do you dislike about PayPal Credit? While Paypal is good, I do prefer venmo. Paypal is a little more old school, I find venmo easier to use and more common amongst ...

"Very good"

What do you like best about PayPal Credit? Very organized and easy to follow when navigating What do you dislike about PayPal Credit? Sometime app will crash or fail to open when needed Recommendations to others considering PayPal Credit: Be open to new ways of business! What problems is PayPal Credit solving and how is that benefiting you? Able to pay other for items