Overview
Pricing
Alternatives
Ratings
Media
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FAQs
PayPal Credit is a powerful line of credit that provides convenience and control over your finances. With no annual fees and a flexible payment plan, you have the freedom to pay for your purchases immediately or over time. Get an instant credit line with easy and secure application process that will always be there when you need it.
Large Enterprises
Medium Business
Small Business
SaaS/Web/Cloud
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PayPal Credit was reviewed internally using user feedback, in-house testing, and market research to assess its performance, reliability, and user experience. Learn how we review products and our evaluation process.
Free Trial
Not available
PayPal Credit Pricing
Offers free forever plan
Pricing Model
Freemium
PayPal Credit offers a convenient financing solution with wide acceptance and reward benefits for users. The ability to make online purchases and defer payments effortlessly stands out as a key strength. Users appreciate features like 0% financing and the flexibility to pay over time, making it ideal for managing expenses and budgeting. The option for monthly and ...Read more
Offers convenient financing options with 0% APR on qualifying purchases, allowing for larger purchases to be spread out easily.
Intuitive to use and provides a seamless online shopping experience, especially for PayPal users.
Widely accepted by many online retailers and offers rewards without annual fees, making it a flexible payment option.
Provides quick credit approval and easy access to credit, allowing for immediate use and benefit.
High-interest rates after promotional periods can be a concern for users, impacting affordability.
Limited transparency in indicating which sellers accept PayPal Credit or qualify for promotional offers, causing confusion during checkout.
User Review
EH
Erick H
12/08/23
"Terrible, they give you nothing of credit"
What do you like best about PayPal Credit? Nothing.................... Make yourself a favor and never apply for this. What do you dislike about ...
Read more
EH
Erick H
12/08/23
"Terrible, they give you nothing of credit"
What do you like best about PayPal Credit? Nothing.................... Make yourself a favor and never apply for this. What do you dislike about ...
Read more
RT
Rebecca T
08/10/23
"PayPal Credit is easy to use and offers rewards without anual fees"
What do you like best about PayPal Credit? I can use it almost anywhere and get rewarded for spending. What do you dislike about PayPal Credit? There ...
Read more
JE
Jill E
08/08/23
"Love Pay Pal Credit"
What do you like best about PayPal Credit? I was able to remodel my bathroom because the vendor accepted it. I used the 0% financing and paid it off ...
Read more
Customer Service
Online
Location
NA
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Some top alternatives to PayPal Credit includes Payline Data, Checkout.com, plug&paid, Four and Splitit.
No, PayPal Credit doesn't provide API.
No, PayPal Credit doesn't provide mobile app.
PayPal Credit is located in NA
PayPal Credit offers Freemium pricing model
The starting price is not disclosed by PayPal Credit. You can visit PayPal Credit pricing page to get the latest pricing.
This software is researched and edited by
Rajat Gupta is the founder of Spotsaas, where he reviews and compares software tools that help businesses work smarter. Over the past two years, he has analyzed thousands of products across CRM, HR, AI, and finance — combining real-world research with a strong foundation in commerce and the CFA program. He's especially curious about AI, automation, and the future of work tech. Outside of SpotSaaS, you'll find him on a badminton court or tracking the stock market.
Researched by Rajat Gupta
