If you have a Paypal account and sign-in when you are making payment, then Paypal may automatically offer you one of their products, like "Pay in 3" or "Paypal Credit".
We understand that they make a rapid assessment based on your historical transactions, and decide to make you an offer, or not.
Here's an example of a "Pay Later" offer .
Please note that Paypal's products vary by country. Open Goaaal has no input to or influence over Paypal's decision. We are not advising you to do this, nor do we receive any benefit. We are just providing you with information that we hope will be of help. You must make your own enquiries.