paypalcredit.com

PayPal’s current policies are completely out of touch with modern banking. They are currently holdin

PayPal’s current policies are completely out of touch with modern banking. They are currently holding my funds hostage with no transparency. It feels less like a financial service and more like my money has been stolen. I’ve reached my limit with this platform and will be moving my business elsewhere. Avoid if you actually want access to your own money.

Date of experience: Feb 24, 2026

I was charged over $70 US for a once of changing a pdf file to jpg. Paypal failed to retrieve my mon

I was charged over $70 US for a once of changing a pdf file to jpg. Paypal failed to retrieve my money after phone calls and on line approaches!
I am elderly and vulnerable!
Fortunately my bank recognised fraud when they saw it and retrieved my money!
Dealt wit paypal forr years BUT no longer!!!!

Date of experience: Feb 03, 2026

I was offered a credit line of some £3,000 "interest free" - I thought that was great, I use PayPal

I was offered a credit line of some £3,000 "interest free" - I thought that was great, I use PayPal in any case & this looked like a way to save money- I did not notice the small print which was "free credit on purchases over £99"- its a bit of chicanery, or better deceit- AVOID

Date of experience: Jan 26, 2026

free credit hoax

I was offered a credit line of some £3,000 "interest free" - I thought that was great, I use PayPal in any case & this looked like a way to save money- I did not notice the small print which was "free credit on purchases over £99"- its a bit of chicanery, or better deceit- AVOID

Date of experience: Jan 26, 2026

Customer service NONE EXISTENT

Multiple failed payments to my credit account without explanation from their team forced me out of my 0% interest period. Still been unable to pay off my balance even though I've had the money just sitting there ready to settle this since NOVEMBER 2025 but now I'm accumulating interest on what would have been a cleared debt. Team do not reply to messages, AI bot refuses to give customer service info

Date of experience: Jan 24, 2026

Do not recommend PayPal Credit

I am leaving this review specifically about PayPal Credit, not PayPal as a whole.I have been a very long-term and otherwise very satisfied PayPal customer, and I would rate most of PayPal’s services 5/5. Unfortunately, my experience with PayPal Credit has been so poor that I feel a warning to other customers is necessary.I used PayPal Credit when purchasing an Apple product on an instalment plan. At checkout, the available providers were either another bank I did not already have an account with, or PayPal Credit. Because I had always trusted PayPal, I chose PayPal Credit, assuming it would be reliable and transparent. That assumption turned out to be wrong.Within just a few months, I experienced multiple issues: • On one occasion, two payments were taken in the same month instead of one. • Despite providing my bank details at the time of purchase (and PayPal already holding my payment details), a payment was missed due to PayPal’s own processing issue, without clear or timely notification. • I was then charged a missed payment fee, contacted by PayPal and asked to call them, only to be told during the call that the issue would be corrected and no charge applied. • Despite this reassurance, the amount was later added back onto my balance, increasing my instalments by £12 without clear explanation. • After several calls, I was told this was “one-off” and would be corrected — yet the amount was still taken overall, leaving me uncertain whether it had also affected my credit reporting.What makes this particularly concerning is the lack of transparency and documentation: • I was never provided with a clear, formal credit agreement or instalment plan showing total cost, interest, and monthly breakdown. • The balance shown for the product purchase does not clearly match the PayPal Credit balance, and there is no clear explanation or breakdown to reconcile the difference. • If I needed to dispute this or go to the ombudsman, I would struggle to evidence what was actually agreed, because the information simply isn’t clearly recorded or accessible.Overall, PayPal Credit feels poorly designed, poorly documented, and poorly supported, especially compared to other PayPal services. The customer service experience was also disappointing, with explanations that were unclear and at times dismissive.Had I known this in advance, I would have used an alternative provider, which I have found far more transparent and reliable.Until PayPal significantly improves PayPal Credit, I would strongly advise customers to avoid it, if there is an alternative.

Date of experience: Jan 24, 2026

PayPal Credit Allows Fraudsters to Take…

PayPal Credit Allows Fraudsters to Take Advantage! Effective 1/20/2026: Case still shows Pending Status - David noted my summarized dispute: I am not paying the $149 to Nerd Expert for being defrauded. The past due amount is still marked as pending since November 27, 2025, when PayPal closed the dispute in their favor. PayPal is allowing this company to defraud me and is making it clear that this is acceptable. PayPal Credit removed the late fee earlier this month because the disputed claim is still pending. Nerd Experts is not affiliated with HP.com. My computer crashed - I purchased a new one (HP). I called HP Customer Support using the number in my paperwork from the box to get assistance with setting up my printer. The same thing happened - as soon as I gave them remote access, they tampered with my new computer. That individual had the nerve to say, "Oh no! Your computer is all messed up. Who helped you set it up?" I informed him it was brand new and all I did was follow the prompts. Then I confronted him and he hung up. I reset that computer and returned it to the store where I bought it from. On Black Friday, I purchased a different brand computer. I will end my 17+ year relationship with PayPal due to PPCredit lack of finding a resolution when I have provided them the FACTS. You are free to close my PPC account. I no longer trust doing business with any company that engages in bad business practices! I think they are all in this together.

Date of experience: Jan 20, 2026

-100 stars

Totally agree with previous reviewerPayPal’s practices are outright predatory and completely unacceptable.The interest rates are abusive, and the way they manipulate payment allocation feels intentionally designed to squeeze every possible pound out of customers.Even when you try to pay your balance, they divert payments in a way that maximizes your interest instead of reducing your debt. This is not an accident — it’s a strategy. PayPal presents itself as a trustworthy global financial platform, but they in for too much profit.I’m done with PayPal Credit, and I strongly warn others to stay away. Their system is built to make you lose money, not manage your finances. I will be looking to close the account in 2 months

Date of experience: Jan 18, 2026

Good good good

Date of experience: Jan 10, 2026

Watch our very closely your PP account

Watch our very closely your PP account, they make their "Activity" to not show balance on purpose to hide their behind scenes activity. I had $578, transferred $400 to bank account and suppose to have $178 left...but only shows $68.30. Got in the chat and they just brush it out saying that my balance was other previously. I asked why the Activity never shows balances they simple replied, because we are not a bank. Will stop using them and keep a real good eye on my account for now on with screen shots of Activity prior doing anything. Also there is a glitch right now, I paid a bill and it shows twice it Pending on my activity

Date of experience: Jan 07, 2026