The reach of PayPal Credit depends on whether you are using the digital credit line at checkout or the issued by Synchrony Bank .

: It is available at thousands of online retailers that accept PayPal. You simply select PayPal at checkout and then choose "PayPal Credit" as your funding source.

: Sephora , Target , Macy's, ASOS, and Ulta Beauty. Home Goods : The Home Depot, IKEA, Wayfair, and Dyson. Marketplaces : eBay and Etsy. Specialized Purchase Categories

The Utility and Scope of PayPal Credit: A 2026 Comprehensive Overview