Paypal credit is offered as a payment option at the discretion of Paypal,not you. so if it does not show up as an option on the order page,then it is not offered. It is not like your credit card or bank line of credit. say you are approved $5k,but it may only be offered when you buy a $50 item,or not at all. it is up to Paypal depending on its cashflow,how much it has already spent,and how much have you spent and how well do you pay your bills and what is the item and who is the seller,etc
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