You will need a PayPal account to apply for PayPal Credit. If you do not have an account, you can sign up with PayPal for free. Once you've signed up for PayPal, you can apply for PayPal Credit.
When you apply for PayPal Credit, you’ll be asked to provide your date of birth, your income after taxes, and the last 4 digits of your Social Security number, and you must agree to the terms and conditions. You will know within seconds if you are approved. For more information, please see the PayPal Line of Credit FAQs.