Think of it as a secure, instant and reusable credit line for you to use at checkout when you pay with your PayPal account and choose PayPal Credit.1
Don't have a PayPal account? Don't worry, you can apply during checkout by simply entering your birth date and the last 4 digits of your Social Security number, then accepting the terms. You'll get an approval decision in seconds. PayPal Credit is subject to credit approval and offered by Comenity Capital Bank.
1Applicable for purchases of $99 or more if paid in full in 6 months. Interest will be charged from the transaction posting date if the purchase is not paid in full by the promotional expiration date. PayPal Credit is subject to credit approval as determined by the lender Comenity Capital Bank.