Can I use PayPal Pay in 3 if I have PayPal Credit?
Yes, PayPal Pay in 3 is a separate feature from PayPal Credit. You can apply for Pay in 3, regardless of whether you have PayPal Credit. PayPal will assess your application for Pay in 3 on the basis of internal and sometimes external data. Any purchases made using PayPal Pay in 3 are visible in the Pay in 3 section of your PayPal Wallet, separate from any PayPal Credit transactions