32 Places That Accept PayPal Credit

Founded in 1998, PayPal is an exclusively online, worldwide payment system that supports a variety of financial transactions, primarily money transfers. PayPal Credit is a line of credit backed by Synchrony Bank that you can use to make online purchases through a PayPal account. You can use PayPal Credit at more than 1,000 online merchants, but it is currently not accepted at any brick-and-mortar stores.

PayPal Credit doesn’t come with a physical credit card or credit card number. Instead of giving your credit card information when you want to make a purchase, you use PayPal Credit by logging into your PayPal account at checkout. PayPal describes the process for using this form of payment in the “How do I select PayPal Credit as my payment source?” section of the PayPal Credit Frequently Asked Questions.

How Do You Qualify for PayPal Credit?

To apply for PayPal Credit, you must first have a PayPal account. PayPal accounts are free to open and use, though fees may apply for certain money transfers and business transactions. You can also link your PayPal account to debit cards, credit cards, and bank accounts for online shopping and money transfers. PayPal provides an explanation of its fees online.

Since PayPal Credit is a line of credit, Synchrony Bank will consider your credit score in the qualification process. People with fair or better credit are typically approved for PayPal Credit.[1]

In addition to applying directly for PayPal Credit, when you shop at any of the online stores that accept PayPal and use your PayPal account at checkout, you’ll be given the option to apply for PayPal Credit before you finish checking out. If you’re accepted, approval is instant, and you can use your PayPal Credit account to complete the purchase.

How and Where Can You Use PayPal Credit?

For sites that accept PayPal Credit, you can choose this payment option in one of two ways. Some sites will allow you to checkout directly with PayPal. Most websites, however, do not have a direct option; you will need to select the “Check out with PayPal” option and sign in to your PayPal account. You’ll then have a choice to use either your PayPal account or PayPal Credit, then follow the prompts to complete your purchase.

See our related research to find out whether you can get cash from PayPal Credit.

What We Recommend

For an online discount store with a wide selection of products and a direct PayPal Credit payment option, consider Overstock.com. Walmart and Target also both allow you to pay with PayPal Credit online once you login to your PayPal account at checkout.

For more specialized online retailers that accept PayPal Credit, consider Best Buy for your electronics needs and Wayfair for furniture and home decor. You can use Orbitz to book things like hotels, flights, and rental cars.

Comparison Table

You can use the table below for a quick comparison of the stores that accept PayPal Credit, then click any store or scroll for more information.

Store Online or Brick-and-Mortar Availability / How to Pay
Dollar Tree Online Direct PayPal Credit payment
eBay Online Select PayPal at checkout & sign in
Overstock Online Direct PayPal Credit payment
Apple Store Online Select PayPal at checkout & sign in
Best Buy Online Select PayPal at checkout & sign in
Dell Online Select PayPal at checkout & sign in
Newegg Online Select PayPal at checkout & sign in
Belk Online Select PayPal at checkout & sign in
Macy's Online Select PayPal at checkout & sign in
Target Online Select PayPal at checkout & sign in
Walmart Online Select PayPal at checkout & sign in
Delta Online Select PayPal at checkout & sign in
Hotels.com Online Select PayPal at checkout & sign in
Orbitz Online Select PayPal at checkout & sign in
Priceline Online Select PayPal at checkout & sign in
Advance Auto Parts Online Select PayPal at checkout & sign in
DICK'S Sporting Goods Online Select PayPal at checkout & sign in
1-800-Flowers.com Online Select PayPal at checkout & sign in
Vistaprint Online Select PayPal at checkout & sign in
Wayfair Online Direct PayPal Credit payment

The List

Below, we’ve provided details about using PayPal Credit at top online stores, including available checkout options and other types of payments accepted. Keep in mind that this list is not exhaustive — more than 1,000 retailers accept PayPal, and the list continues to grow. We’ve organized the stores in each category below starting with the best overall store availability and reputation.

Discount and Auction

Overstock

eBay

Note: eBay sellers can select which payment methods they accept. Not all eBay sellers accept PayPal/PayPal Credit. The acceptable payment methods appear in each item listing under the shipping details.

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[3]
  • Start shopping

Dollar Tree

Note: Dollar Tree online purchases are for bulk orders only, with a typical minimum purchase of 10 to 25 units per item.

Electronics

Best Buy

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[5]
  • Start shopping

Apple Store

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[6]
  • Start shopping

Dell

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[7]
  • Start shopping

Newegg

Note: Newegg.com is an online electronics retailer that primarily deals with new and refurbished computers, laptops, computer parts, and accessories. The online store also sells new and refurbished office equipment, as well as apparel and accessories, tools and home improvement products, health and beauty items, sports equipment, toys, and games.

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[8]
  • Start shopping

General Retail

Walmart

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Accepted Payment Methods page on Walmart.com
  • Start shopping

Target

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[9]
  • Start shopping

Belk

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[10]
  • Start shopping

Macy’s

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[11]
  • Start shopping

Travel

Orbitz

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[12]
  • Book online

Priceline

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[13]
  • Book online

Hotels.com

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[14]
  • Book online

Delta

Note: Currently, most U.S. airlines do not accept PayPal Credit as a form of payment on their sites. Delta is the exception.

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[15]
  • Book online

Other Online Stores

Wayfair

Advance Auto Parts

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[17]
  • Start shopping

DICK’S Sporting Goods

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[18]
  • Start shopping

Vistaprint

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[19]
  • Start shopping

1-800-Flowers.com

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.[20]
  • Start shopping

For more about using PayPal Credit, check out our article about how to pay your PayPal Credit balance.

  1. PayPal customer service (888) 221-1161[]
  2. https://help.overstock.com/help/s/article/Payment-Information[]
  3. https://www.ebay.com/help/policies/payment-policies/payment-methods-policy?id=4269[]
  4. https://www.dollartree.com/online-faq-payment-options[]
  5. https://www.bestbuy.com/site/help-topics/payment-options/pcmcat203400050003.c?id=pcmcat203400050003[]
  6. https://www.apple.com/shop/help/payments[]
  7. Dell customer service (800) 624-9897[]
  8. https://kb.newegg.com/knowledge-base/accepted-payment-methods/[]
  9. https://help.target.com/help/subcategoryarticle?childcat=Accepted+payment+options&parentcat=Payment+Options&searchQuery=search+help[]
  10. https://www.belk.com/customer-service/faqs/[]
  11. https://www.customerservice-macys.com/app/answers/detail/a_id/221/~/which-payment-methods-can-i-use-for-my-macys.com-purchases%3F#PayPalPayment[]
  12. Orbitz customer service (844) 803-5576[]
  13. https://www.priceline.com/help-page/?vrid=c2caa42299cbffc7aba61d0c5b80e91c[]
  14. https://service.hotels.com/en-us/#/articles/405/53/12027[]
  15. https://www.delta.com/us/en/booking-information/online-booking[]
  16. https://www.wayfair.com/help/answer/4/which-payment-methods-do-you-accept[]
  17. https://shop.advanceautoparts.com/o/paymentmethods[]
  18. https://www.dickssportinggoods.com/s/payment-options[]
  19. https://www.vistaprint.com/customer-care/customer-care-center-search.aspx?SearchTerms=payment+options&couponAutoload=1&GP=09%2f14%2f2020+14%3a12%3a25&GPS=5771375126&GNF=0[]
  20. https://www.1800flowers.com/customer-service[]
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4 comments

  • William Mark Crafton says:

    I have a question to which I can’t really get a clear answer. Been trying for several hours. Does BigBadToyStore.com (BBTS) accept PayPal Credit? Not just PayPal? I just missed being able to call them at their Customer Care today. And their online help thingie doesn’t seem to want to work.

    My situation is such that I am paid once a month. If I pre-order something with straight-out PayPal, payment would come directly from my bank account when the item comes in. This could get me overdrawn (badly!) if it happened mid or late in the month. PayPal Credit would allow me a ‘cushioning window’, paying BBTS without overdrawing my bank account at short notice.

    Checking the stated Payment Methods at BBTS is frustrating. PayPal is listed, but I didn’t see PayPal Credit listed explicitly. I followed their Checkout for the item for several screens, but it appeared that I would have to Place Order click (blindly), then find out if I had a choice of PayPal or PayPal Credit, BBTS does give buyers the option of canceling (should it prove to be only regular PayPal allowed). But having to yell Banzai and click Place Order blindly (then maybe have to cancel two seconds later) is very frustrating.

    I intend to try and call BBTS during Customer Service hours tomorrow. Unless someone here can in the meantime find out if BBTS accepts PayPal Credit. Which would put my mind at ease.

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, William! Since the BBTS customer service department is currently unavailable, we checked with PayPal. We were told that you should have the option to select PayPal Credit on any site that accepts PayPal.

      You will be redirected from BBTS to PayPal to complete your purchase. You must choose a payment method in PayPal to complete the order — so, you won’t be charged until after you choose PayPal Credit and confirm the payment. If you already have a PayPal Credit account and do not see that option during checkout, you can contact PayPal for assistance at (844) 373-4961. Best of luck!

  • James P Gregory jr says:

    This morning I was given PayPal Credit so I decided to give it a try. I went on eBay and placed a order for five U.S. Mint proof coin sets. I went to checkout because I had made the seller an offer which he accepted and to my surprise the payment was denied stating the seller may not accept PayPal credit and it said something else about currency? So I had to ask that seller to cancel that order. He was mad! Then I logged into my PayPal Credit account and clicked on the “Shop Now” button and it took me to a site that showed several stores so I picked eBay and clicked on “Shop Now.” The top of the page said I was going to save 60% today only if I used PayPal credit. I scrolled down through all the items on sale and chose three and placed them into my cart. All three were rejected. What is going on and why doesn’t anyone seem to accept PayPal Credit?
    This is really frustrating and about 500+ other people on eBay who all asked the same question, “How can I tell if an eBay seller accepts PayPal credit?,” feel the same way.
    James

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, James! We are sorry to hear about your frustrating experience. Sellers on eBay are allowed to choose which payment methods they accept, and some choose not to accept PayPal or PayPal Credit.

      You can see which payment methods are available for each item by looking at the item listing; below the price, you will see shipping information, payment options, and return information. If this problem persists, be sure you have entered your PayPal account details correctly. You may need to contact PayPal or contact eBay if there is an issue with your account.

      Best of luck! We have updated our article to include a warning that not all eBay sellers accept PayPal Credit.