PayPal Credit

PayPal Credit Reviews

formerly Bill Me Later

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Overall Rating2.2 out of 5
See all 691 reviews & ratings

About PayPal Credit Reviews

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

PayPal Credit offers secure access to credit for online shoppers. It acts as a line of credit for any online purchases that accept PayPal. It offers credit access with no annual fees and no-interest financing for purchases above $99 in your first six months. PayPal Credit obscures your personal information when you purchase online and provides benefits like reimbursed shipping costs.

Pros & Cons


  • No annual fee
  • No interest over $99 for six months
  • Widely accepted online


  • Limited rewards
  • Unclear requirements

Bottom Line

PayPal Credit is a secure and convenient way to shop online. While its website doesn’t offer information about qualification requirements, the no-interest financing and no annual fees make it a popular credit option.

Featured Reviews

Big Lake, AK

I personally have only nice things to say about PayPal Credit. They were the first to give me a chance. My credit score was bad. But they gave me a small credit line, $250. That w...

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Los Angeles, CA

I must uphold PayPal for it was PayPal… who granted me a credit line and that credit line would help the way for me to build a credit file. It was PayPal… who trusted in me when t...

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What is PayPal Credit?

PayPal Credit is a digital, reusable credit line that can be used to shop online. Known for offering customers the ability to “buy now, pay later,” PayPal helps customers budget in a straightforward way. Because it obscures all personal information when you shop, PayPal is widely considered to be more safe than using a traditional credit card.

How does PayPal Credit work?

With PayPal Credit, customers simply connect their bank account to their PayPal account for secure shopping. While shops must accept PayPal in order to get payment, it’s becoming more ubiquitous across the nation, with millions of stores already accepting it online.

PayPal also offers a few additional benefits when shopping online, like reimbursements for return shipping on certain purchases and purchase protection programs.

PayPal Credit card fee

PayPal Credit does not charge an annual fee for service. All purchases over $99 receive six months of no-interest financing. After six months, interest rates apply. For new accounts, the variable-purchase APR is 23.99% at the time of publishing. No interest will be charged if you buy and pay off your account within a month.

PayPal Credit FAQ

What credit score do you need for PayPal Credit?

PayPal does not indicate what credit score is required on its website.

Does PayPal Credit affect your credit score?

Yes. Because PayPal is considered a line of credit, your credit score will be impacted. Your credit will also be checked for approval.

How do I access my PayPal Credit account?

For management, you can access it via app or on the website. If you’re trying to pay for something using PayPal Credit, you will simply check out using PayPal (if applicable) and select PayPal Credit as your payment method.

Who qualifies for PayPal Credit?

PayPal doesn’t offer information about minimum requirements for approval.

Is PayPal Credit good?

PayPal Credit is a good option for people who have good credit and who shop online a lot. Because it doesn’t give you a credit card number, it won’t replace your credit card, but it provides additional benefits, like security and financing, for shopping online. Most will find that PayPal Credit is a good addition to their current financial situation, but it does require a credit check and will report to credit bureaus.

PayPal Credit Reviews

ConsumerAffairs has collected 691 reviews and 1,508 ratings.

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Page 1 Reviews 0 - 10
Verified purchase
Customer Service

Reviewed Sept. 28, 2023

I have used Paypal Credit for decades. We used it for our business. We have ran tens of thousands of dollars. I purchased eyewear from Designer Frames Outlet and no product arrived and they did not respond to my complaint. Paypal Credit will not respond either. Don't use it! Use American Express or Citibank for real credit card fraud protection!

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Customer ServiceSales & Marketing

Reviewed July 24, 2023

I have been a Paypal customer almost since day 1 but I'm done except for sending Birthday cash. Customer Service is not qualified to handle much more than that. I started using them for purchases because it was easy once you entered your credit cards and they offered extra protection. Not true. I've encountered 2 issues with 3rd Party websites, that were overseas scams, but PayPal couldn't get it no matter how many times I explained, how many times I sent reputable screen prints stating the site was a scam and after weeks of working with them, they deny your claim because these companies have paypal figured out but PayPal hasn't a clue. They are in over their heads. So, don't use them for purchases, you will lose, not Paypal. Stick with your credit card company that knows what they are doing. Date of experience: July 20, 2023

I have also been having a nightmare trying to get my savings account deleted. The Customer Service Rep kept trying to delete the account I had xferred the money in PayPal, which was a totally different bank. Hello? After hours and days of calling and messaging, I gave up. I don't have all that time to waste and I've probably wasted 40 hours over the last month and PayPal could care less.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed July 14, 2023

    I have had many credit cards, never a problem after so many years...except Paypal! I always pay off balances monthly, as I did with Paypal. After 24 hours no verification payment received, figuring my payment didn't go through...other banks list payments received and also inform customer if making a double payment. So I paid once again...and AFTER second payment, my first payment was listed. I called immediately to cancel second payment...after all I just made it. NO...paypal agent says he can't cancel until it is processed.

    Well, still no refund a week later. So using Paypal I try to transfer my money, my balance, to my bank. I have given up waiting for help from phone calls where after being put on hold, I am given unwanted account information, and go through numerous transfers in an attempt to get my money. My time is valuable but Paypal makes my life miserable. So I input all of my bank info from local credit union and request transfer of the exact balance minus a $1.75 fee to Paypal. NOPE...Paypal claims they have never heard of my credit Union and deny transfer...even though they have a routing number.

    So, I use a big financial institution, Synchrony Bank, input my routing number (remember this takes time resulting in more frustration). NOPE, again Paypal denies transfer never hearing of institution. Paypal lists about 7 banks and if yours is not on their list, you can't proceed with the site. So Paypal is assured they get to keep my money.

    Email Paypal, getting fed up and angry...first reply says they will pass on information to the powers that be. BUT, new reply says they don't have access to my emails and therefore can't resolve my problem. I am told to call the number on the card...well, I've done that numerous times and we are back full circle. This is no way to run a business! Why in 50 years I have never had credit card problems...Chase, Citi, and Bank of America all run efficient and professional organizations. BUT not Paypal.

    There are other issues too...Paypal has a banking App and a Credit Card and their agents confuse the two...claiming that problems arise because they can only see one division and surely resolution is to be found in the unseen records. That I, as the customer, just don't understand the 2 account system. WHAT a way to run a business!

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    Sales & MarketingPrice

    Reviewed July 12, 2023

    I tried their offer for a big purchase. It was 2% interest and 2 years of $160 a month. It was fine for a year then I did another and they start allocating my payments so they can charge more. Scammers.

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    Reviewed June 20, 2023

    PayPal Credit advertising to apply for credit, and you can pay your federal taxes. Guess what? After you get your line of credit, they won't give you the option to pay with your credit line, just like with Walmart same when you checking out to pay, you are only able to select your Paypal Debit which is your personal account. So just be smart and don't believe over $99, they financed for 6 months 0.0 % APR. Since Synchrony Bank took over it's all **. This Bank destroyed the PayPal logo, never is the same again.

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    Reviewed June 14, 2023

    Online order trusted Synchrony Bank to safeguard my transaction. Synchrony Bank accepted fraud USPS documents as legitimate despite evidence contrary to USPS policy for the weight limit. I was forced to pay for a fraudulent transaction, regardless of bonafide proof of fraud. Rather than investigate validity of evidence Synchrony Bank chose to side with a illegitimate seller for which I was held responsible. Apparently, any crooked seller can use this service with absolutely no recourse. My advice is close all accounts and never do business with PayPal Credit or Synchrony Bank or their affiliates. Simply a dishonest business and not worthy of trust.

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    Verified purchase

    Reviewed May 27, 2023

    I ordered a pair of sneakers online from a company Ire. which turned out to be a Chinese Co. I even paid through PayPal and including shipping insurance. I received the wrong size and the seller told me to ship them back at my expense to China for a refund. The insurance was for one way. They refused to return pay. I refused at my expense, fearing if lost, I was out the sneakers and my money, so I filed a claim with PayPal and was refused. I appealed twice more sending them pictures of the receipt and sneakers as proof of the wrong size. Still, they denied my claim saying "PayPal only covers goods and services that weren't delivered or not as described". I feel I am wronged by both parties and especially disappointed with PayPal!

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    Customer ServiceStaff

    Reviewed April 27, 2023

    Hello, I am a great customer of Synchrony Bank regarding their credit department. I either pay off my credit immediately or before my financing is up. I bought 2,993 dollars worth of retail from a clothing company online and returned all of it. The retail company refunded me every last cent. Unfortunately, Pay Pal credit did not refund me the whole amount and still charged me 402 dollars. They only have call centers which I have dealt with three times about this. The first person did not understand what I was saying and was trying to dispute all my charges, which I did not want. Then she told me she would release my funds to pay it off, which differed from our conversation. She was making everything worse.

    The second time, I got a man in the call center who said it was their fault and that account services said they would take care of it within 24-48 hrs—still 48 hrs, nothing. I then called again and spoke to a lovely woman who admitted that it was the company's fault but that her supervisor said it would take 1 to 2 billing cycles. What pay pal credit is doing is illegal and considered stealing on their end. It means I would pay them twice. First to the merchant, who refunded me, and then again to PayPal credit because they did not refund me the total amount when the merchant had already paid them. What if I had a child with a medical emergency, and that 400 is the 400 I need right now to save and help that child, and I cannot because Pay Pal Credit is holding the money hostage? This PayPal Credit situation is beyond unethical, which means I am not the only one this is happening to.

    By the way, I have the screenshots to prove it, and if Consumer Affairs wants to contact me feel free and I will send the proof along with the receipts from the other company. There is much private info; therefore, I am not ready to upload them on this site, but I will if it becomes necessary. Another strange thing is that since this all began, I have been having trouble logging back into the Pay Pal site, but as I said, I already have the screenshots.

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    Reviewed April 25, 2023

    My PayPal credit account was broken into with 32 transactions from Walmart in one day. First, to not be suspicious and reach out to me to find out if I authorized these transactions, I think is so unprofessional. When I did reach out to the "fraud dept", they are located in a different country. I couldn't understand them and they had the nerve to ask for my order number from Walmart! I hung up and called again. This agent, from another country, took down all my fraud charges. It took 45 minutes, but thought I was done after I closed the account. Ended up they took all but four off my account. The next day, I had to call again and this agent said they couldn't see any of the charges left on my account. I demanded they open another case and put the four charges in.

    I WILL NEVER OPEN ANOTHER ACCOUNT WITH PAYPAL. Those charges are still on the account. I just need a day or two before I go through all the headache and irritation, to call them again. The question is, why aren't they following up with me? All I get is an email saying a case has been opened. So unprofessional and can't they afford "fraud agents" who actually work in the US?

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    Reviewed March 28, 2023

    A hacker charged $750 for purchases to my Pay Pal credit card. I opened a fraud claim which was denied three times. I did not have any other option than to pay it off to protect my credit rating. I cannot afford an attorney. I am beyond upset.

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    PayPal Credit Company Information

    Company Name:
    PayPal Credit (formerly Bill Me Later)