Majority of the people now rely on contactless payments and digital wallets to cater to everyday purchases. Therefore, it is a good thing to explore stores that accept multiple modes of payment. Where debit cards and credit cards are almost always accepted, I will tell you a bit about places that accept PayPal Credit, or bill me later option. in this article.

Walmart, Best Buy, Dell and Apple Store are some places that accept PayPal Credit now. You can pay through this contactless mode after creating PayPal account. Moreover, keep in mind that qualifying for PayPal credit requires credit check and you must have average credit score to improve the chances of approval.

Are There Places That Accept PayPal Credit?

PayPal Credit is a contactless payment method that has become popular in just the recent years. Leading stores like Dollar Tree and Best Buy now accept PayPal Credit in addition to other options like Google Pay and Apple Pay.

PayPal Credit does not come in the form of physical credit card or even a card number. Instead, you will be given credit card information digitally which you can provide every time you need to make a payment. Although the list continues to grow, I have included the names of some of the most useful places below that accept PayPal Credit.

1. Walmart

It is the leading retail store in the US, so it goes without saying that Walmart hosts wide variety of payment methods to cater to all types of customers who walk in.

You can use PayPal Credit here as well. Simply sign in to your PayPal account and then choose PayPal credit as mode of payment at the check out. As for other accepted payment methods, I would suggest you visit About Us page to find out.

2. eBay

Another leading retailer that accepts PayPal Credit is eBay. However, it is important to note here that this just implies that the platform itself supports PayPal Credit. The offer may still be unavailable depending on which seller you are buying from.

The modes of payment accepted by a particular seller on eBay are listed under their shipping details. You should confirm if the one you are dealing with takes PayPal or not.

Moreover, the option to pay via PayPal Credit does not show up directly at the check-out. You first have to choose PayPal, sign in your account and then select PayPal credit from there.

3. Best Buy

If you are looking for electronics, Best Buy should be a spot you must check out. However, Best Buy does not take PayPal Credit directly. You have to choose PayPal when checking out and select PayPal Credit from there to proceed.

4. Target

You can visit and pay using PayPal credit indirectly. Just log in your PayPal account and choose PayPal Credit from there.

5. Dell

Another electronic stores that take PayPal credit, although indirectly, is Dell. You have to select PayPal at the check out here. After this, you will be asked to log in your account and then choose PayPal Credit as payment method to proceed.

6. Overstock

There are even fewer stores that accept PayPal credit directly at the checkout and Overstock happens to be one of them. You can shop online here and pay via PayPal any time.

7. Macy’s

Macy’s is a well known name in the US and, although it takes PayPal credit in addition to other modes of payments, the store does not accept it directly.

As is the case with other stores that take PayPal credit indirectly, you just need to select Paypal, log in your account and then choose PayPal credit here to make the payment.

8. Dollar Tree

Dollar Tree also takes PayPal Credit directly. However, if you are shopping online, keep in mind that you will be able to place orders in bulk only.

For example, you can buy up to 25 pieces of certain item. Orders smaller than that require in-store shopping.

9. Apple Store

Who hasn’t heard of Apple Store? If you are an iPhone user or been into Apple products, it would be a relief to know that this store takes PayPal credit as well.

However, Apple Store also does not take PayPal credit directly. You can choose PayPal at the check out, sign in your account and then select PayPal Credit in order to make the payment.

10. Vistaprint

You can use PayPal credit at Vistaprint although the option is not directly given at the time of checkout. Buyers have to select PayPal when checking account and then choose PayPal credit to proceed.

Other than that, debit cards, credit cards, money orders and checks are also accepted.

11. Newegg

Newegg operates online and via physical stores as well. You can pay with PayPal credit here by choosing PayPal at the check out and then selecting PayPal credit once you have logged in your account.

Being one of the leading electronic retailer, you can expect to find a lot of appliances and accessories here. It offers computer parts, laptops, home improvement products, sporting equipment, electronic toys and games, etc.

12. Belk

Belk takes PayPal credit but indirectly only. You have to select PayPal at the checkout and then provide the login information to open your account. After that you can choose PayPal credit and complete the payment through it.


You can definitely pay with PayPal Credit here. However, people interested in booking flights, cars, or hotels at have to select PayPal when checking account and then choose PayPal credit to proceed.

14. Advance Auto Parts

Advance Auto Parts takes PayPal credit but indirectly only. Just select PayPal at the checkout and then provide the login information to open your account and choose PayPal credit to complete the payment through it.

15. Orbitz

For those of you who are new to this name, is a platform that lets you book hotels, flights and rental cards on discounted prices. You can also explore different vacation packages here if you are running on a tight budget.

Luckily, Orbitz also accepts PayPal credit but you have to choose PayPal at the check out as it does not host the other option directly. Choose PayPal Credit from within your account to make the payment.

16. Priceline

You can use PayPal credit at Priceline although the option is not directly given at the time of checkout. People interested in booking flights, cars, or hotels with Priceline have to select PayPal when checking account and then choose PayPal credit to proceed.


Another store where you can use PayPal credit but indirectly is All you have to do is sign in your PayPal account and choose the option of PayPal credit from there.

18. Delta

If you have come across information that most US airlines do not accept PayPal, it is probably right! But, as it happens, Delta seems to be the only exception!

You can use PayPal credit here much like as it works on or You must choose PayPal at the check out and then open your account to select PayPal Credit.

19. Wayfair

Another retailer, where you can use PayPal credit directly is Wayfair. You can purchase home furnishing goods here, home décor items, and millions of other products related to bedding, living room, etc.

Other than PayPal credit, this online store also accepts debit cards and credit cards from almost all the major card issuers in the US. Shoppers can also pay via Affirm buy now pay later schemes, cashier’s checks, money orders, and personal checks.

20. Dick’s Sporting Goods

If you happen to be shopping at Dick’s Sporting Good, you can pay via PayPal credit but first you have to choose PayPal at the check out. After that you will see the option of PayPal credit and be able to sign in your account to pay.

Luckily, Dick’s hosts wide variety of other payment methods as well. First of all, almost all debit cards and credit cards are accepted. On top of that, you can get Sporting Goods Mastercard and Dick’s Sporting Good gift card to pay for purchases as well.

21. Kmart

Besides accepting store-specific gift card, Masterpass, debit cards and credit cards, Kmart takes payments via PayPal credit as well, but indirectly.

22. Sears

Although direct payment option with PayPal credit is not available, you can use it at Sears by logging in your PayPal account and choose the tool from there.

Additionally, you can also pay here through debit cards, credit cards, and Sear gift card. Sears also accepts gift card from Kmart.

How To Qualify For PayPal Credit?

PayPal Credit operates via PayPal account so you need to create one if you don’t have it already. You can complete this procedure online.

Please note that PayPal does not charge any fee for opening an account. However, you may incur extra charges when sending money or doing other types of transactions.

I assume that some of my readers here might be new! Therefore, let me walk you through a step-by-step guide of how you can open a PayPal account online.

  1. Open your internet browser and type in to get to its official website.
  2. Then click on the Sign Up button.
  3. Now choose whether you want business account or personal account.
  4. Provide necessary details such as name, address, contact number, etc.
  5. Tap on Sign Up to complete the process.

Once the account is set up, you would have completed the first pre-requisite of qualifying for PayPal credit. Then the next step would be assessment of your credit score.

PayPal credit is a line of credit offered by Comenity Capital Bank. This makes it necessary to go through a credit check. However, you don’t need to have an outstanding credit history to be approved but it would be helpful to apply with at least fair credit score.

What Are The Terms and Conditions For PayPal Credit?

There are conditions to keep in mind if you plan to use PayPal credit for online or in-store purchases in coming days.

As per the updated information on PayPal website, the current APR for PayPal credit is 19.99%. Additionally, you will face minimum interest charges of $2.

One good news is that there are no annual fees. In most cases, PayPal may also be generous to let go if penalty charges if you are late with the payments. However, otherwise, it charges late fee which is equal to the amount of missed payment, up to $27, for the first time. If you continue to miss the payments afterward, the penalty fee is increased to $38.

PayPal Credit also has an introductory offer that means no payments, no APR for 6 months on purchases more than $99.

What Are The Pros and Cons of Using PayPal Credit?

The PayPal credit card is extensively being used much like other credit cards in the market. Although it offers some pros over rest of the options, the card is not free of its downsides as well.

Perhaps the biggest advantage of choosing a PayPal credit card is that there are no purchase fees. Moreover, it is accepted globally by millions or retailers.

On top of that, PayPal card comes with industry-standard protective technology. This means it has all the layers of security that you would need in a card that has to be used multiple times in a day with different shoppers.

As for the cons, there is an additional fee for big purchases. You may have to pay up to 3% when transferring larger amounts. As long as you use the card for catering to small, everyday purchases, you are good to go!

Before You Go!

It is a good thing that stores now take multiple methods of payments and provide maximum flexibility to customers who do not carry cash. In addition to debit card and credit card, numerous contactless payment methods have been launched and PayPal credit definitely ranks somewhere on the top!

Although some of the places discussed above do not host PayPal credit payment directly at the check out, it would just take a couple of minutes to open your PayPal account and use PayPal credit from there instead.

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