Why is PayPal Credit not offered at checkout?
PayPal Credit may not be offered as a funding source for every purchase. Some PayPal merchants don't accept PayPal Credit. In addition, please note that even if a merchant offers PayPal Credit as a way to pay, PayPal reserves the right to restrict your ability to use your credit line depending on the circumstances of each purchase. If PayPal Credit doesn’t appear as a payment option at checkout, you won’t be able to use your PayPal Credit account for that particular transaction.
If the merchant accepts PayPal Credit, and there are no restrictions on your transaction, we recommend that you choose from your available PayPal funding sources to complete your purchase.