Knowing who accepts PayPal Credit online or in-store will make your shopping experience far simpler. PayPal Credit is accepted at more than a 1,000 online retailers and many brick-and-mortar stores, as well. Various online and in-store locations that accept PayPal Credit include: Dollar Tree, the Apple Store, Best Buy, and The Home Depot.

More stores are accepting cashless payment methods like PayPal Credit, Apple Pay, and Google Pay, in addition to debit and credit cards. PayPal Credit, formerly known as Bill Me Later, is a rising player in cashless payments. Learn more about how this payment method works, how you can qualify, and who accepts PayPal Credit.

In This Article

What Is 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 provided by Comenity Capital Bank that can be used to make purchases through a PayPal account.

PayPal Credit doesn’t give you 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 providing personal identifying information, such as your date of birth. The process for using this form of payment is described in the PayPal Credit Frequently Asked Questions, under “How do I select PayPal Credit as my payment source?”

How Do You Qualify for PayPal Credit?

In order to apply for PayPal Credit, you must first have a PayPal account. PayPal accounts are free to open and free to use, though fees may apply for certain money transfers and business transactions. Your PayPal account can also be linked to debit cards, credit cards, and bank accounts for easy online shopping and money transfers. You can see an explanation of PayPal’s fees and sign up for a free PayPal account online.

Since PayPal Credit is a line of credit extended by a bank, your credit score is involved in the qualification process. According to customer service representatives at Comenity Capital Bank, people with fair or better credit are typically approved for PayPal Credit.

Important terms and conditions for PayPal Credit include:

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 stores that accept PayPal Credit, you can choose this payment option in one of two ways. Brick-and-mortar stores provide a PayPal Credit option at checkout, so you would simply select that option. Most websites do not have a direct option, so you would choose the “Check out with PayPal” option and sign in to your PayPal account. You’ll then be given the choice to use either your PayPal account or PayPal Credit.

In either case, once you’ve selected PayPal Credit, a window will appear to provide your date of birth and the last four digits of your Social Security number. After you agree to the terms and conditions, your purchase will be completed.

Online Stores That Accept PayPal Credit

PayPal Credit can be used at more than a thousand online merchants. We’ll provide details about using PayPal Credit at top online stores, including available checkout options and other types of payments accepted.

Online Discount and Auction Sites That Accept PayPal Credit

Dollar Tree

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

eBay

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Other payment methods accepted: Debit card, credit card, payment upon pickup. Restricted payment options: Checks, money orders, bank-to-bank transfers, select online payment services.
  • Source: Accepted payments policy on eBay.com
  • Start shopping online at eBay

Overstock

Online Electronics Stores That Accept PayPal Credit

Apple Store

Best Buy

Dell

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Other payment methods accepted: Credit card; debit card (Online purchases are limited to three times the daily purchase limit on your debit card, if any. Debit card purchases that exceed daily limits will be charged over a period of three days)
  • Source: Common Questions page on Dell.com; confirmed by a customer service representative
  • Start shopping online at Dell

Newegg.com

Note: Newegg.com is an online electronics retailer that primarily deals in 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.
  • Other payment methods accepted: Debit card, credit card, Newegg Store Credit Card, Newegg.com gift card, Visa Checkout, Masterpass, Amex Express Checkout, Android Pay, Apple Pay, Bitcoin
  • Source: Accepted payment methods on Newegg.com
  • Start shopping online at Newegg.com

Online Retail and Department Stores That Accept PayPal Credit

Belk

Note: Belk is a department store retailer that offers the latest in fashion brands from clothing, beauty, shoes, home, jewelry and more. If you haven’t heard of it, that’s probably because you don’t live in the Southern US. Belk has been in business for 130 years.

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit
  • Other payment methods accepted: Debit card, credit card, Belk rewards credit card, Belk gift card, Masterpass, pre-paid gift cards
  • Source: Belk Customer Service FAQ page
  • Start shopping online at Belk

Kmart

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit
  • Other payment methods accepted: Debit card, credit card, Sears credit card, Kmart gift card, Sears gift card, Masterpass, Amex Express Checkout
  • Source: Kmart Payment Methods page
  • Start shopping online at Kmart

Macy’s

Sears

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Other payment methods accepted: Debit card, credit card, Sears credit card, Sears gift card, Kmart 16-digit gift card with PIN
  • Source: Sears Payment Methods page
  • Start shopping online at Sears

Target

Walmart

Online Travel Sites That Accept PayPal Credit

Hotels.com

Orbitz

Priceline

Other Online Stores That Accept PayPal Credit

Advance Auto Parts

Dick’s Sporting Goods

FTD Flowers

Vistaprint

Wayfair

Note: Wayfair is an online home furnishing, goods, and decor retailer with an extensive selection of more than 8 million products for the home.

Brick-and-Mortar Stores That Accept PayPal Credit

The following stores allow you to directly choose the PayPal Credit option at the register. While a company’s policy may be to accept PayPal Credit, some individual retail locations may not have this capability. Be sure to call ahead to your local store if you’d like to use PayPal Credit at a retail location.

Clothing and Shoe Stores That Accept PayPal Credit

Abercrombie & Fitch

  • PayPal Credit availability: Select locations only
  • Other payment methods accepted: Cash, debit card, credit card, gift card, A&F Credit Card
  • Source: Customer service representative
  • Find your nearest Abercrombie & Fitch

Aeropostale

  • PayPal Credit availability: Most locations
  • Other payment methods accepted: Cash, debit card, credit card, gift card
  • Source: Customer service representative
  • Find your nearest Aeropostale

American Eagle Outfitters

  • PayPal Credit availability: Select locations only
  • Other payment methods accepted: Cash; debit card; credit card; AEO credit card; AEO, Aerie, or Tailgate gift card; Diners Club; JCB Card
  • Source: Customer service representative
  • Find your nearest American Eagle Outfitters

Famous Footwear

  • PayPal Credit availability: Select locations only
  • Other payment methods accepted: Cash, debit card, credit card, Famous Footwear gift card
  • Source: Customer service representative
  • Find your nearest Famous Footwear

Foot Locker

  • PayPal Credit availability: Most locations
  • Other payment methods accepted: Cash, check, debit card, credit card, Foot Locker gift card
  • Source: Customer service representative
  • Find your nearest Foot Locker

JCPenney

  • PayPal Credit availability: Most locations
  • Other payment methods accepted: Cash, check, debit card, credit card, JCPenney credit card, gift card
  • Source: Customer service representative
  • Find your nearest JCPenney

Other Stores that Accept PayPal Credit

Dollar General

  • PayPal Credit availability: Most locations
  • Other payment methods accepted: Cash, check, debit card, credit card
  • Source: Customer service representative
  • Find your nearest Dollar General

Guitar Center

  • PayPal Credit availability: Most locations
  • Other payment methods accepted: Cash, check, debit card, credit card, Guitar Center Gear Card
  • Source: Customer service representative
  • Find your nearest Guitar Center

The Home Depot

  • PayPal Credit availability: Most locations
  • Other payment methods accepted: Cash, check, debit card, credit card, Home Depot Credit Card, Home Depot gift card
  • Source: Customer service representative
  • Find your nearest Home Depot

Office Depot/OfficeMax

In Summary

PayPal Credit is a widely accepted form of payment online at many major retailers and can also be used at several brick-and-mortar stores as a cashless, card-free payment method. Opening a PayPal Credit account can expand your payment options and let you shop more at your favorite stores online.

You may also want to check out our articles: Can you pay rent with PayPal? and Can you pay a PayPal Credit account with a credit card or debit card?

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