Assuming you have the ability to carry a balance, even if your current balance is $0, it will be listed on the left-hand side of your main account page for desktop, or on the primary account ...

if you overdraw your bank account to make a PayPal Pay in 4 payment, your bank might charge you overdraft fees. How Do You ...

You'll primarily manage your account through the PayPal app and utilize PayPal Balance to manage your account. It also lets you set up individual goals by using the account's Goals feature.