FYI: PayPal credit doesn’t go on your credit report

The interest rates are ridiculously high if you don’t pay it within the six-month no-interest period (around 20% APR seems to be the usual), but they give just about anyone credit, and it doesn’t show up on any credit report. I’ve used it a few times recently when I’ve needed to pay folks like lawyers and contractors. To use it with people like this rather than an online store, you just have to ask them to send you a PayPal invoice, and then it will give you the option to use PayPal credit if you’ve already applied.