30+ Places That Accept PayPal Credit Online or In-Store

Founded in 1998, PayPal is an exclusively online, worldwide payment system that supports a variety of financial transactions, primarily money transfers. PayPal Credit, formerly known as Bill Me Later, is a line of credit provided by Synchrony Bank that you can use to make purchases through a PayPal account. More than 1,000 online retailers accept it, as well as many brick-and-mortar stores.

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. 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. You can see an explanation of PayPal’s fees and sign up for a free PayPal account.

Since PayPal Credit is a line of credit, Synchrony Bank will consider your credit score in the qualification process. According to customer service representatives, people with fair or better credit are typically approved for PayPal Credit.

For important terms and conditions for PayPal Credit, see the PayPal Credit website.

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 have a choice to use either your PayPal account or PayPal Credit.

In either case, once you select 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, you will complete your purchase.

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

We’ve Done the Comparing for You — Here’s 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.

For stores that accept PayPal Credit in-store at most locations, you can go to nationwide stores like JCPenney, The Home Depot, and Office Depot/OfficeMax. Regardless of your shopping needs, you should be able to find a physical or online store that accepts PayPal Credit.

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
Kmart Online Select PayPal at checkout & sign in
Macy's Online Select PayPal at checkout & sign in
Sears 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
FTD Flowers Online Select PayPal at checkout & sign in
Vistaprint Online Select PayPal at checkout & sign in
Wayfair Online Direct PayPal Credit payment
Abercrombie & Fitch Brick-and-mortar Select locations
Aeropostale Brick-and-mortar Most locations
American Eagle Outfitters Brick-and-mortar Select locations
Famous Footwear Brick-and-mortar Select locations
Foot Locker Brick-and-mortar Most locations
JCPenney Brick-and-mortar Most locations
Dollar General Brick-and-mortar Most locations
Guitar Center Brick-and-mortar Most locations
The Home Depot Brick-and-mortar Most locations
Office Depot/OfficeMax Brick-and-mortar Most locations

Online Stores That Accept PayPal Credit

PayPal Credit can be used at more than 1,000 online merchants. Below we’ve provided details about using PayPal Credit at top online stores, including available checkout options and other types of payments accepted. We’ve organized each category starting with the best overall store availability and reputation.

Online Discount and Auction Sites That Accept PayPal Credit

Overstock

  • Direct PayPal Credit option available? Yes
  • Source: Payment Information on Overstock.com
  • Start shopping

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.
  • Source: Accepted payments policy on eBay.com
  • 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.

  • Direct PayPal Credit option available? Yes
  • Source: Payment Options on the Dollar Tree website
  • Start shopping

Online Electronics Stores That Accept PayPal Credit

Best Buy

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Best Buy Payment Options webpage
  • Start shopping

Apple Store

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Payment & Pricing webpage at the Apple Store
  • Start shopping

Dell

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Common Questions page on Dell.com; confirmed by customer service
  • 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.
  • Source: Accepted payment methods on Newegg.com
  • Start shopping

Online Retail and Department Stores That Accept PayPal Credit

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.
  • Source: Accepted payment methods page on Target.com
  • Start shopping

Belk

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit
  • Source: Belk Customer Service FAQ webpage
  • Start shopping

Kmart

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit
  • Source: Kmart Payment Methods webpage
  • Start shopping

Macy’s

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Macy’s customer service FAQs
  • Start shopping

Sears

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Sears Payment Methods webpage
  • Start shopping

Online Travel Sites and Airlines That Accept PayPal Credit

Orbitz

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Orbitz Customer Service webpage; confirmed by customer service
  • Book online

Priceline

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Help page on Priceline.com
  • Book online

Hotels.com

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Customer Service on Hotels.com
  • 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.
  • Source: Delta Booking Information webpage
  • Book online

Other Online Stores That Accept PayPal Credit

Wayfair

  • Direct PayPal Credit option available? Yes
  • Source: Customer service FAQs on Wayfair.com
  • Start shopping

Advance Auto Parts

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Payment Methods page on Advance Auto Parts website
  • Start shopping

DICK’S Sporting Goods

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Dick’s Sporting Goods Payment Options webpage
  • Start shopping

Vistaprint

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Payment & Billing page on Vistaprint website
  • Start shopping

FTD Flowers

  • Direct PayPal Credit option available? No. Select PayPal at checkout, sign in, and choose PayPal Credit.
  • Source: Payment Options & Fees page on FTD.com
  • Start shopping

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. As above, we organized each category below starting with the best overall store options.

Clothing and Shoe Stores That Accept PayPal Credit

JCPenney

  • PayPal Credit availability: Most locations
  • Source: Customer service
  • Find a JCPenney

American Eagle Outfitters

Foot Locker

Famous Footwear

Abercrombie & Fitch

Aeropostale

Other Stores that Accept PayPal Credit

The Home Depot

Office Depot/OfficeMax

Dollar General

Guitar Center

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

See more articles about PayPal

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.