PayPal™ Buyer Credit

Approval Odds

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2.8 out of 5 stars
34 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

2.5 out of 5 stars

3 5

Most Helpful Positive Review

May 29, 2016
Why So Many Bad Reviews?
Anonymous Cardholder

I've had my PayPal Credit account open for over a year, and have NEVER had issues. Not sure why all these bad reviews; perhaps it's due to people not taking the time to read policies? They have never randomly initiated hard pulls like one reviewer stated. I think this is because "Bill Me Later" has changed since this reviewer applied (they did say it was over 5 years ago) and I've pored over my policy documents with a fine-toothed comb and there is nothing in there stating they will periodically check credit scores. My APR has never wavered. As for them taking payments immediately from a bank account but then posting in 21 days as another reviewer said, well, this has never happened to me either. My payments post within 3-5 days. Can't speak about their customer service because, surprise! I have had no reason to call them!

I will admit that Paypal's checkout process used to be slightly confusing, and can see why some people were inadvertently applying for the Paypal Credit line when they didn't want to. But this can be avoided by carefully reading before clicking. Read. It will help avoid surprises later. It's not that hard.

The one thing I thought weird was when they extended my credit without my requesting it. This happened on my one year anniversary of having my account open. I logged in and found I had an extra $300 of credit. I found it odd they did this without me initiating it, and was ready to go on the war path if my credit score got dinged. Good news is there was never a hard pull, so my score never wavered.

I like my account and have never had problems, so reading about mostly negative reviews is perplexing. Maybe I have yet to experience all these awful things?! Perhaps. But so far, so good.

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Most Helpful Negative Review

Mar 28, 2016
raised my apr from 21 to 27?
Anonymous Cardholder

I have good credit and have always paid you on time for many years......8 years or so.  Never you raise my APR, won't be seeing much on this card any more.  Crazy!

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These reviews were written by current and former cardholders in the last year.

Mar 14, 2017
Anonymous Cardholder

DO NOT GET THIS CARD! I had this card for 9 years I NEVER missed a payment and I was never late not even one time!!! Not once in 9 years! I had a $1100 limit and was using this card to fix my credit score. This company does not care about your history with them, they kept decreasing my limit and would therefore keep decreasing my credit card utilization. Everytime I would bring the balance down, they would lower my limit. If I brought my balance down to $800, they brought my limit down to $800, I could NEVER win with them! Once I got my balance down to $200, they decreased my limit to $200! They literally wrecked my credit score even though I had paid them faithfully on time for 9 years!!! 

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Mar 11, 2017
Jurenah Cardholder

I filed a dispute against a company with a reputation for ripping off customers.  Pay pal credit customer service assured me the matter would be taken care, the disputed amount would be removed from my remaining balance, not to return the merchandise until further notice from Paypal of the correct address.  That was over a month ago.   Each time I call, the answer is always the same, it is being investiagated.  As a long-term customer of Paypal Credit, I paid bills on time every month and was called one of their preferred customers.  With a credit line of over $4,000, I am seriously considering closing this account and use my 0% credit card for future purhcases.  Had I used a credit card for this transaction, the amount would have been deducted from my balance, pending an investigation.  I have lost confidence in dealing with this company and would not take the chance of

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Mar 05, 2017
delta66dental Cardholder

i got a 1500 line of credit used 487 of it and trie few days later to make another purchase and will not let me use it at all was trying to take advantage no financing fee for 6 months no  interest one in the custmer service dept can do nothing because a computer makes all the decisions not the humans why give me credit if i cant use it

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Feb 01, 2017
Worst automated system ever!
Denver846156 Cardholder

You have to listen to a minute of your statement info without bypassing it. It takes about 1-3 minutes to actually talk with a live person. The email statement doesn't have contact number.

The live customer service is excellent. It's the automated system that's really bad.

I made an online payment. They never received the payment.

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Dec 26, 2016
Do not apply!!!
Kharp83 Cardholder

I normally don't write a review but I coud not with the way PayPal is so if you are thinking about applying for PayPal credit don't. The billing department is so messed up not willing to work with someone with the payment when it was due of a holiday weekend and you call the Monday after to make the payment it still shows up as a late payment. I was only 2 days late with one of those days being a holiday and they advised that it will still show up as a late payment. I have had nothing but issues over the last few months. Oh and if your bank won’t except PayPal the you are stuck having to call it in and dealing with an automated system that if it hears something in the background it won’t let you go back to the main menu it just keeps repeating the same options. Then when you do get someone on the phone they are rude and again will not work with you. If I could select negative stars I would.

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Dec 19, 2016
It is great for online purchasing.
Anonymous Cardholder

This card is great for online purchasing from various vendors.

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Dec 09, 2016
Thisis40 Cardholder

I'm not sure what the deal is with all of the negative reviews!
​I was approved for a $2000 credit line, and have not had any issues with using it. They have never declined a charge or limited the funds, I spent $1800 of the $2000 in first week (paying it off a week later).

​Their system is one of the most user friendly in existence, and making a payment is so easy a small child could manage it. And payments post within 24 hours for me.

​I have been a member for a decade, and my payment method was already in their system, so maybe these things played into it, I dont know.

​Regardless, I love having this, as it is a hidden trade line and doesnt reflect against my utilization on reports.

​No issues, no complaints.

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Nov 16, 2016
Anonymous Cardholder

I got instantly approved for a $3750 line of credit. I immediatley purchsed $875 worth of merchandise and got 6 months, no payment, no interest. They seem to be diligent about their email updates about due dates. I am not sure why others have issues.

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Oct 20, 2016
BAD %%%%%%% TO HIBAD
Anonymous Cardholder

 They might do you on the interest rate of interest whenever they want 

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PayPal™ Buyer Credit