: You can apply through the PayPal app or website. Approval typically requires a fair to good credit score, often above 670.
PayPal Credit is a digital line of credit that allows you to make purchases now and pay for them over time, essentially functioning as a reusable credit line integrated into your PayPal account . How PayPal Credit Works
: A key feature is the 0% interest for 6 months offer on purchases of $99 or more (or £150+ in some regions). If the balance is not paid in full by the end of the period, interest is charged from the original purchase date.
: Once approved, it appears as a payment option during checkout at millions of online stores that accept PayPal.
: While primarily digital, PayPal also offers physical Mastercards that link to your credit line for in-store use. PayPal Credit Gives A Boost to Small Businesses