When you need to buy something online and don’t have enough money in your bank account, PayPal can help!

With PayPal Credit, you’ll get the item or service that you want as soon as it’s available.

Just pay it off later at your leisure with no interest charges.

But there has been some confusion over payment to a private seller.

Here’s a common question people ask: Can I use PayPal Credit to pay a private seller?

Read more in this article about how PayPal Credit works and whether or not you can use it to buy a product from a private seller.

• Can I Use PayPal Credit To Pay A Private Seller?
• How To Pay With PayPal Credit?
• Can I Use PayPal Credit To Pay Taxes?
• Can I Pay Myself Using PayPal Credit?
• Can I Use My PayPal Credit To Pay Bills?

Can I Use PayPal Credit To Pay A Private Seller?

Short Answer: Yes, you can use PayPal credit to pay a private seller. PayPal Credit is accepted wherever PayPal is accepted and you have to just select the PayPal Credit option when you make your purchase.

PayPal Credit was created to help online shoppers manage their spending. It’s an easy way to get convenient financing for your purchases, without having to carry a balance or pay interest rates.

Plus, you can use PayPal Credit to shop at millions of stores across the web.

You can also pay a private seller using PayPal Credit. It can actually be used anywhere PayPal is accepted.

However, you must ensure that the amount is greater than $99. Because the reusable credit line is only available for transactions of $99 or more. You have 6 months to repay the money, after which you’ll have to pay interest and a late fee.

Any transaction below $99 should be paid in full to avoid interest.

How To Pay With PayPal Credit?

Whether you’re using PayPal to shop online or make payments for your business, knowing how to pay with PayPal credit can come in handy.

Note: Check that the vendor accepts PayPal before making a purchase. PayPal Credit is accepted wherever PayPal is accepted.

Here’s how to pay with PayPal Credit:

1. Visit the website where you wish to purchase the item
2. Add the item to your cart
3. Choose “Pay with PayPal”
4. Sign in to your PayPal account
5. Click on “PayPal Credit”
6. Complete the transaction

Can I Use PayPal Credit To Pay Taxes?

Yes, you can use PayPal Credit to pay your taxes. Federal tax payments of $99 or more that are paid in full within 6 months are not subject to interest.

Also read: PayPal Confirm Taxpayer Status

Here’s how to use PayPal Credit to pay your taxes:

1. File your taxes
2. Go to fed.acipayonline.com or payUSAtax.com
3. Follow the onscreen prompts to pay your taxes
4. Select PayPal Credit as your payment method

Note: ACI Payments and PayUSAtax are IRS-approved payment processors. There will be a convenience fee.

Can I Pay Myself Using PayPal Credit?

No, you cannot pay yourself using PayPal Credit. However, PayPal Credit can be used to send money to Friends and Family but you’ll have to pay a small transaction fee.

Note: Sending money to yourself using PayPal Credit is considered a cash advance and is not permitted under PayPal’s user agreement.

Can I Use My PayPal Credit To Pay Bills?

Yes, you can use your PayPal Credit to pay bills. Just make sure the amount is above $99 to avoid any interest.

Conclusion

Yes, you can use PayPal Credit to pay a private seller. Just make sure that the seller accepts PayPal as a form of payment.

This method is perfect for those times when you don’t have the money to hand over right away and need time to come up with the funds.