Hello @GJHill,
Thank you for posting in PayPal's Community Forum.
I understand your concern about sending money via PayPal credit. As of right now, in the U.S., you are able to use PayPal Credit as a funding source to send money to friends and family. Here's a link to our U.S. FAQ page for more info. Go down to "Using PayPal Credit" and it should be the 5th question. If you need any help, please reach out to the number found at the bottom of the FAQ page.
Best wishes,
Ayesha
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