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Paypal do loans, The process is easy: Select your loan amount. The maximum loan amount depends on your PayPal account history. You can also make manual payments or even pay the loan in full with no early repayment fee, using your PayPal balance or a linked bank account. But for an amount as little as $20 I don't think they would. Like this comment, if it helped! loan website for UK - https://www.paypal.com/gb/workingcapital/
You can apply for paypal credit during checkout and you may be approved but you may face account issues if you allow your paypal account to become a negative balance.