We are happy to offer Paypal Credit, which is a Paypal Service that lets you buy now and pay later! You can apply today if checking out using paypal. To apply, simply enter your birth date and the last 4 digits of your Social Security number, then accept the terms. You’ll get an approval decision in seconds. Paypal credit is subject to credit approval through Paypal.There are no account numbers to enter or long credit applications to fill out.