Unfortunately, it is not possible to use PayPal without a linked credit card or bank account. This is because PayPal is an online payment system that relies on the transfer of funds between financial institutions.

When you create a PayPal account, you will be prompted to link either a bank account or a credit card to the account. This allows you to send and receive payments through the PayPal system.

If you do not have a bank account or credit card, you may be able to use a prepaid debit card to link to your PayPal account. However, this may depend on the policies of the specific prepaid card issuer.

It's important to note that PayPal does offer other payment options, such as PayPal Credit or PayPal Cash, which do not require a linked bank account or credit card. However, these options still require some form of financial account to be linked to your PayPal account.