PayPal Credit is an open-end (revolving) credit card account that provides a reusable credit line built into your account with PayPal giving you the flexibility to pay for your purchases right away or pay over time. Note that PayPal Credit is not the same thing as a PayPal debit or credit card.

Similar to Afterpay and Klarna, it offers a "buy now, pay later" service that allows online shoppers to purchase from major retailers without paying upfront.