We are thrilled you have found the perfect item!  PayPal credit is not available through checkout however, a PayPal invoice can be sent to you which gives you that option.   Simply contact through the product page of the item you wish to purchase by clicking on the Questions tab, adding any additional info of gold color or ring size if applicable.  A invoice with be issued through PayPal and you will receive an email from them to place your order. Please check your spam or junk folder if you have not received any communication.