From a business standpoint, this is a great platform for paying for goods and services to other businesses and individuals, and on a personal level, this is great for those larger purchases or emergencies where you need easy access and quick confirmation of credit. If you are a usual/frequent PayPal user, this is an awesome additional tool to link into your account.
I dislike that you don't often get reasons for credit denial on the spot and I think that more companies should sync and team up with PayPal credit to provide the additional option for paying, especially useful for businesses and places with music more expensive merchandise or services.
A really great alternative to full payment for both business and personal use. Highly recommend looking into other companies and platforms that utilize this, especially around the holidays and special occasions, this is a good option.
PayPal credit helps with just providing an additional option for businesses or individuals, and the ability to keep track of payments and communications, as well as your finances and available funds.