Step 1     Select PayPal as your payment method After going through and selecting PayPal as your payment method, you will be directed to PayPal website. Step 2     Log in to your PayPal and apply for PayPal Credit At PayPal confirmation page, look for PayPal Credit and click to apply. Get a credit decision in seconds! Step 3     Pay over 6 installments If approved, you are able to shop instantly with PayPal Credit right from your PayPal account.