PayPal Credit gives you the freedom to buy all the bike gear you want today and pay it over 6 months with no interests. Approval is instant for customers who already have a PayPal account. How to use PayPal Credit: 1. Select PayPal at the checkout. 2. Log into your PayPal account. 3. Click on "Apply Now" on the PayPal Credit banner. 4. Get approval on your order. 5. Confirm the delivery address. 6. Set your repayment schedule.