Log in to your PayPal account
Check that PayPal Credit is available on your account
Select PayPal at checkout on a participating website
Choose PayPal Credit as your payment method
Review the payment terms and available offers
Confirm and complete your purchase
Make monthly payments through your PayPal account
Pay at least the minimum due by the due date
Pay more than the minimum to reduce interest
Monitor your balance and statements in your PayPal Credit account
Use PayPal Credit only where it is accepted
Keep your account in good standing to maintain access