Yes, applying and using PayPal Credit affects your credit score. It will contribute to your payment history and credit utilization rate. You will undergo a hard credit check, which will appear on your credit score and lower it by a few points..

During the checkout, click on the option for PayPal and select the PayPal Credit as your payment method.

Yes, using PayPal Credit is completely safe and secure. It follows the highest standards that many credit card companies follow to ensure protection against theft and fraud by securing user data.

In order to sign up, you must be in possession of a U.S. credit card or debit card, have to be over 18 years of age, have to have an SMS-capable phone number, and have a U.S. residential address.

Cancellations fall under our cancellation policy. When we confirm the cancellation of the order, Klarna will update your payments accordingly. You will be able to see the status of your payments at all times via Klarna’s website or app. Processing the refund can take up to 14 days, depending on your financial institution. Before checking the status of your refund with Klarna, please check your account used for the original payment, as the refund might have been already deposited. However, if 14 days pass since the refund was issued and you still did not receive the funds, please contact Klarna’s Customer Service (link found below) for support.

If a payment cannot be collected on the scheduled date, Klarna will try one more time. If the next attempt is also unsuccessful, the missed payment will be added to the next payment cycle. Missed payments and unpaid debts will be sent to debt collectors by Klarna.