Does PayPal offer credit

Yes, PayPal offers credit, including a reusable credit line, a credit card and buy now, pay later plans, with terms that vary by country.

In the US, PayPal's credit options fall into three main types.

• PayPal Credit: A digital, reusable credit line linked to your PayPal account and used at online checkout. US customers get 0% interest for 6 months on purchases of $149 or more when the balance is paid in full within that period.
• PayPal Credit Card: A physical Mastercard that lets you use your credit line at any store or website that accepts Mastercard. It requires minimum monthly payments.
• Buy Now, Pay Later: Pay in 4 splits a purchase into four interest-free instalments, while Pay Monthly spreads the cost over a longer term with a variable APR.

A PayPal overview of these products shows they are mainly ways to finance purchases rather than cash loans. You can borrow through PayPal in this sense, but it works differently from a traditional cash advance app.

Before applying, check which options are available where you live, since offers and terms differ by region. It also helps to read the interest terms carefully, because promotional 0% periods depend on paying the full amount on time.