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Can I Take A Cash Advance From Paypal Credit

Can I Take a Cash Advance from PayPal Credit?

PayPal Credit is a convenient financing option offered by PayPal, allowing users to make purchases and pay for them over time. While PayPal Credit provides flexibility and ease of use, many users wonder if they can take a cash advance from their PayPal Credit account. In this article, we will explore the possibilities and limitations of obtaining a cash advance from PayPal Credit.

Understanding PayPal Credit

PayPal Credit, formerly known as Bill Me Later, is a digital line of credit provided by PayPal. It allows users to make purchases online and pay for them over time, similar to a credit card. PayPal Credit offers promotional financing options, such as interest-free periods, making it an attractive choice for many consumers.

How PayPal Credit Works

When you apply for PayPal Credit, PayPal will evaluate your creditworthiness and provide you with a credit limit. This credit limit determines the maximum amount you can spend using PayPal Credit. You can use PayPal Credit as a payment option during checkout on websites that accept PayPal.

Once you make a purchase using PayPal Credit, you will receive a statement with the minimum payment due and the due date. You have the option to pay the minimum amount or more, but it is important to note that interest will be charged on the remaining balance if you do not pay it off within the promotional financing period.

Can I Take a Cash Advance from PayPal Credit?

Unfortunately, PayPal Credit does not offer a cash advance feature. Unlike some credit cards that allow you to withdraw cash from an ATM or receive cashback at a point of sale, PayPal Credit is designed specifically for online purchases.

While you cannot directly obtain cash from your PayPal Credit account, there are alternative methods to access funds if you need cash:

  • PayPal Cash Card: PayPal offers a prepaid debit card called the PayPal Cash Card. This card allows you to withdraw cash from ATMs and make purchases wherever Mastercard is accepted.
  • PayPal Instant Transfer: If you have a PayPal Cash or PayPal Cash Plus account linked to your PayPal Credit account, you can transfer funds from your PayPal Credit account to your PayPal Cash account. Once the funds are in your PayPal Cash account, you can transfer them to your bank account or use them to make purchases using the PayPal Cash Card.


1. Can I use PayPal Credit to send money to someone?

No, PayPal Credit cannot be used to send money to other individuals. It is designed for making purchases online and does not have the functionality to send funds to others.

2. Can I use PayPal Credit for in-store purchases?

PayPal Credit is primarily designed for online purchases. However, some physical stores may accept PayPal as a payment method, allowing you to use PayPal Credit for in-store purchases. It is best to check with the specific store before attempting to use PayPal Credit in person.

3. Can I transfer my PayPal Credit balance to another credit card?

No, PayPal Credit balances cannot be transferred to other credit cards. The balance must be paid off within the PayPal Credit account.

4. Can I use PayPal Credit for international purchases?

Yes, PayPal Credit can be used for international purchases as long as the merchant accepts PayPal as a payment method. However, it is important to consider any foreign transaction fees that may apply.

5. Can I increase my PayPal Credit limit?

PayPal periodically reviews accounts and may increase your credit limit based on your creditworthiness and payment history. However, there is no guarantee that your limit will be increased.

6. Can I use PayPal Credit for cash advances on other platforms?

No, PayPal Credit is specific to PayPal and cannot be used for cash advances on other platforms or services.


While PayPal Credit does not offer a cash advance feature, there are alternative methods to access funds if you need cash. The PayPal Cash Card allows you to withdraw cash from ATMs and make purchases, while the PayPal Instant Transfer feature allows you to transfer funds to your PayPal Cash account for further use. It is important to understand the limitations of PayPal Credit and explore other options if you require a cash advance.

By providing flexibility and convenience for online purchases, PayPal Credit remains a popular choice for many consumers. However, it is essential to consider your financial needs and explore all available options before making a decision.