You can only use PayPal Credit if PayPal is available as a payment option

The flip side of the coin to the convenience of automatically linked PayPal and PayPal Credit is that PayPal has to be an option in order to use PayPal Credit.

Fortunately, this is increasingly common. You can use PayPal Credit at the many online sites where PayPal is accepted, including big name retailers like Walmart, Target, Macy's, and more, though Amazon is a notable exception.