PayPal Credit Reviews

Their customer service is awful. I was hung up on by two different reps. Their verification requires video and your physical driver's license. I will not use this card, and frankly I wish I never applied.

Terrible. Such an antiquated way to handle billing and payments. Let's first start by acknowledging the 30% interest rate. You can use special financing for purchases over a certain amount for ONLINE purchases only. This is fine, but when you attempt to pay off your special financing purchases, it's nearly impossible. You have to call the automated line, go through a series of prompts, get disconnected, wait on hold, try to explain to the associate what you want to do, wait 2-3 billing cycles, and hope and pray that what you requested actually pans out. On top of that, what is shown in the portal and what is shown to the associates are two different things. Good luck. My suggestion would be to NEVER use the credit card.

The Account Managers are rude and despicable. There are much better places to do business with.

I wouldn't suggest getting this card to build credit. They gave me a 1500.00 limit. And was using and paying it down. Then one day I paid it down under a 1000. Then they lowered my limit to 990. And hit me with interest that went and made balance above 1010. So on credit report it looks like I went over the limit. Couple more months on I paid it down to 230. And they dropped the limit again to 230 and reported I was over limit.

I was tricked by their credit card they sent me in the mail unrequested. It said "Enjoy the same benefits as the PayPal credit you’ve been using for 25 years." It has always been 6 months no interest. They started charging me interest on a $5200 charge I made. I called them and I was told the supervisor authorized a one time only no interest period and it would take 30/60 days to show up on bill. It hasn’t so I called again and now they say, "So sorry. It was declined. Nothing we can do. We don’t care that you’ve been a customer for 25 years." On top of that I found out it’s at 30% interest rate. Are they insane. I have an 820 credit score.

There are so many things in the fine print of the "terms and conditions" that using the credit card is like walking through a mine field. If you make one misstep one does not get the 6 month zero interest like they promise. First, I used the card in a retail store. BLAM. When talking to the agent they said, Oh you have to make the purchase on-line. On-line transactions count, in store do not. Ok I can abide by that. BUT I used the card on-line (a store that is only on-line so no chance it was a mistake of retail. BLAM just talked to an agent, OH you have to go through the whole pay-pal check out process to get the financing deal. Apparently PayPal Credit is totally different from actual PayPal.!? Since some web-sites use the quick check out I am now gun shy (mine shy) of using this thing. What will be the next BLAM?

PayPal credit card would be a cool feature if it was 6 months interest free. Any way you check out and use your card - DO NOT use this card without checking out with special feature or else you will get killed on interest.

I bought a phone on October 10th, 2025 using PayPal credit, which is funded by Synchrony Bank. I have been paying every month, yet they are still charging me late fees as I had set the payment date inadvertently a few days after the due date. The phone was bought for $351.17 and to date I have now paid this full amount.

Do not use PayPal's credit system. Their bank Synchronicity charges usury fees. I paid over 100% in late fee and interest charges for a payment less than 30 days late. Outrageous. An honest mistake as I did not see any reminders of payment date. DO NOT USE OR BE AWARE PREDATORY PRACTICES BY PAYPAL CREDIT!!!!

I bought a phone on October 10th, 2025 using PayPal Credit. I have been paying every month, yet they are still charging me late fees as I had set the payment date inadvertently a few days after the due date. The phone was bought for $351.17 and to date I have now paid this full amount. Yet, I still have a large balance of because of late fees that have been added to my account. These late fees are charges of $30 on 11/15/25, $41 on 12/15/25, $41 on 1/15/26, $41 on 2/15/26, and $41 on 3/15/26. This is in addition to interest charges of $2 on 12/23/25, 1/23/26, and 2/20/26.

I disputed a $2,014.19 PayPal Credit charge for merchandise that was never received. The dispute was later denied, but I was never notified of the decision. The only letters I received stated that the dispute was under review and then referenced a promotional balance. I only learned the dispute had been denied after calling customer service. Because of the lack of communication, the balance has now been moved into promotional financing with a short payment deadline while my CFPB complaint is still pending. As a customer, I feel this process lacked transparency and did not provide a fair opportunity to respond before the dispute was closed.

January,2026, initially approved for PayPal Mastercard (PPM). Minimum payment due March 17,2026= $58. Went in PayPal app, March 3, 2026, and went thru steps for making a payment ($409.79-Statement Balance). Pop-Up Message advising must "Sign In" to app... Signed in-Proceeded thru steps "AGAIN" to make payment. Did NOT receive any type of flag to signal a payment is already PENDING, etc, with option to proceed. Therefore, I made a DUPLICATE PAYMENT. I just happened to start looking thru app, to become more familiar with the PPM and the app, in general.

Had issues with my bank where the payment was returned and they closed my account without any explanation or notice. I opened this account in 2013. -l-

I called Paypal Credit and told them they charged me interest on my account. I was under the assumption there would be no interest if I paid off the account in 4 months. The manager agreed and credited my account back the interested charge. I had already paid back the entire balance owned. The next day I get a new interested charge for $11.50 and I call back again. This time this rude and very overbearing manager said we will not removed the $11.50 charge. Crazy!!! Do not under any circumstances use Paypal Credit. They will find a way to hurt your credit and make you pay interested. Btw, I have a very high credit score and now they are threatening to hurt it!!! Paypal should not use this company anymore!!!

Avoid. I cancelled a purchase with a merchant a week ago, and the pending charge still hasn’t dropped after 5 business days. Synchrony and the merchant all says everything is cancelled on their end, so it is PayPal doing who knows what. Also, I don’t know if this is on paypal or Synchrony, but I had made some purchases where the APR is free for the first 6 months. I paid most of them off before interest started, but also paid some interest, so they made money off of me. Then, I paid $1,000 off. They held the line of credit in limbo not updating my payment for 2 weeks or more, and then, instead of reflecting the payment, they just slashed my available credit by $1,000. Super shady, do not recommend, they will hurt your credit card score.

I use PayPal Credit for good amount of time maybe a year but then something never seemed to be right so I canceled it and when I canceled it, I asked the guy, "Will there be any more finance charges or anything?" He said no. Then I started making the payments whatever. They told me to pay the minimum amount. I did that for a year and a half. Then I decided to check the balance and the balance was still the same so evidently they still do charge you a finance charge. They didn’t tell me that and then they charge if I pay on the pay date, they would always say it was late and charge me a late touch. Something is not quite right and they give you the runaround when you talk to Customer Service.

I was sent a PayPal credit card. It was written up that it could be used instead of your PayPal credit account "bill me later" which became 6 months deferred interest. I opted to use the card instead of PayPal checkout as advertised. They remove your good old PayPal credit apparently, and screw you with a 29.9% interest rate if you use the card. Not an upgrade as they promote it, they are out to screw you!!!

I was charged $350 from a fraudulent company on my PayPal credit card. I filed a dispute with PayPal and provided all the documentation to prove it was a fraudulent company. They have numerous amounts of complaints and other people have reported they are a scam. To no avail, they did not credit my card back and instead sided with a fraudulent company which shows what a scam PayPal Credit is. I have since canceled my account with them and will never use PayPal again. What a scam!

Their online payment center is separate and when you call them cause there's an issue they all claim they can't help you cause you made a payment online. Had an issue where their online system duplicated payment. It was a large payment to pay off my card. Their customer service rep stated to have my bank reverse it as it will be easier than having to wait on them. But she failed to mention that they would charge me a fee plus remove all payment access to my account. During the whole process of that the duplicate payment their online system continued to go back in forth showing 1 payment. They refuse to help or accept responsibility just state they can't do anything. If they can't do anything then they shouldn't exist as they are useless. You may as well talk to a bug on a wall. You will just get transferred every where to just be told the same with no one having access to anything.

I've been using PayPal for 24 years. I received a credit card offer for a "PayPal" credit card with no interest if paid in full in 6 months on purchases over $149 when checking out online with PayPal. When I received my first statement, that wasn't the case. This was not honored by PayPal and the issuing CC company, Synchrony, stated the interest-free offer was for purchases using PayPal credit (wallet) and NOT the "PayPal" Mastercard. I advised the flyer stated "PayPal" not Synchrony Mastercard issued on behalf of PayPal.