Best Paypal Credit Apps

4.8😐(6.3M ratings)

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#6in Finance

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

What We Love

🚀 Extremely effective and reliable crypto recovery service
🔒 Secure payment processing
💰 Convenient way to send and receive money
👍 Easy to use app with simple interface

Room to Improve

🐛 Inconsistent customer support responses
🕰️ Slow money transfer times
💳 Holds on funds for new accounts
🤖 Overly automated with lack of human interaction

MySynchrony by Synchrony Financial

Strong Contender

4.8😊(111K ratings)

Free

#37in Finance

Securely manage your credit card accounts in one place. This app allows you to view balances, make payments, review transactions, and manage bank accounts. It also offers access to partner deals and financial education resources.

What We Love

👍 Easy to use
👍 User-friendly
👍 Convenient
👍 Streamlined payment process
👍 Helpful for managing multiple accounts
👍 Accurate and reliable
👍 Smooth and seamless transactions

Room to Improve

🐛 App crashes or freezes
🐛 Login issues
🐛 Inconsistent account information
🐛 Difficulty adding or managing accounts
🐛 Unreliable payment processing
🐛 Lack of transparency in account details
🐛 Poor customer service

Affirm: Buy now, pay over time by Affirm, Inc.

Flexible payments, big savings

Worth Considering

Track sales and Send invoices

4.9😞(1.7M ratings)

Free

#19in Shopping

Affirm: Buy now, pay over time screenshot 1

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This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

What We Love

🙏 Helpful in tough times
💳 Convenient financing option
📈 Improved credit score

Room to Improve

🤔 Confusing payment process
🔒 Security and privacy concerns
🔍 Difficulty verifying identity
🚫 Unexpected account closures
💰 High interest rates

More Paypal Credit apps to explore

PayPal Business

Create and send invoicesTrack sales trendsManage money and sales

Manage your business finances on the go. Create and send invoices, track sales trends, transfer money, and access customer information. This app acts as your mobile business manager, simplifying financial tasks for merchants of all sizes.

💼 Business

(29K)

Klarna: Smarter everyday money

Cashback, payments, savings

Flexible payment optionsInterest-free installmentsUp to 10% cashback

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

(2.4M)

Shop Now. Split your payments.

Afterpay: Pay over time

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

(753K)

Money. Debit Card. Bitcoin.

Cash App

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

(8.7M)

Discover Mobile

Banking and Finance

Account balance and transaction viewingPayment management and schedulingRewards redemption

Manage your Discover credit card and bank accounts securely from anywhere. Check balances, view transactions, make payments, redeem rewards, and deposit checks. Access your FICO score and freeze your account for added security.

(5.2M)

Zip - Buy Now, Pay Later

Shop Now & Pay Over Time

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

(868K)

Sezzle: Buy Now, Pay Later

Pay Over Time & Earn Rewards

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

(302K)

Payments, Balance & Rewards

Amex

Secure account managementTrack spending and rewardsPay bills and manage balance

Manage your American Express account securely from anywhere. Track spending, view rewards, pay your bill, and discover personalized offers. Enjoy quick, safe access with biometric login and instant alerts for added peace of mind.

(4.4M)

Bank. Borrow. Build Credit.

OnePay – Mobile Banking

Early pay and rewardsHigh-yield savings accountsCash back credit card

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

(443K)

Perpay - Shop and Build Credit

Shop, pay later, build credit

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

(19K)

Atlas - Rewards Credit Card

Earn cash back. Build credit.

High approval ratesBuild credit historyAutomatic savings up to 10%

This app offers a rewards credit card designed for easy approval, even without credit history. It helps users build credit, save money with automatic discounts, and manage their finances securely with features like auto-pay and fraud protection.

(277K)

Venmo

Send Money, Debit card

Send and receive moneySplit payments among friendsBuy, hold, and sell cryptocurrency

A fast, safe, and social way to send and receive money with friends and family. Easily split bills, buy crypto, and manage your finances with integrated debit and credit cards.

(15M)

Vola: Cash Advance & Credit

Instant Cash Before Payday

Instant cash advances up to $500No interest, no credit checkBuild credit by reporting rent

Access instant cash advances up to $500 with no interest or credit checks. Build your credit score by reporting rent payments and track your financial health with budgeting tools. Take control of your finances with this all-in-one financial management app.

Save, Spend & Grow Your Credit

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

(7.7M)

Mission Lane Card

by Mission Lane LLC

Manage credit card accountCheck account balancePay bills

Manage your credit card account on the go. Check balances, pay bills, view activity, and monitor your credit score. Access customer service, educational resources, and secure login options.

(508K)

Four | Buy Now, Pay Later

Flexible Shopping & Payments

Split purchases into 4 paymentsPay every two weeksManage orders in one app

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Your credit score, simplified

(120K)

freemium

Capital One CreditWise

Free FICO® Score 8 accessTransUnion® credit report accessDark web alerts for identity theft

Monitor your credit score and report for free. Get alerts for suspicious activity, understand factors affecting your score, and simulate financial decisions to see their potential impact. Tools are provided to help you manage and improve your credit health.

(309K)