How to use PayPal Credit? - Make a purchase that cost at least $99.00 before the shipping, then proceed to the CHECK OUT. - Choose PayPal at the check out page, then click 'Purchase' - A page comes up with 2 choices: first choice (the one on the top) says 'Pay with my PayPal Account', the second choice ( the one at the bottom) says: Pay with a debit or credit card, or PayPal Credit. Choose Pay with a debit or credit card, or PayPal Credit - Three Tabs will show up, be sure to choose PayPal Credit Special Offer, and fill in all the information, at the bottom of the page, click 'Sign up and continue' - Follow the prompt to finish