You can earn credits and you do not need a paypal account for that.

Get your friends to join AVH and help them understand the game and you will earn credits.

You will receive 1 credit when someone referred by you advances to level 15.
You will receive another credit when they reach level 30.
A third credit will be given to you when they make it to level 50.

In order to refer other players, they need to use your player # when they sign up.

So, make sure you tell your friends what your player # is, and that they have to use that. If you do not do that, there is no way to know you referred them.

If your player # is 23323 you can give them the following signup address:
http://www.avirtualhorse.com/signup?r=23323
Remember that it has to be YOUR player #

1. This applies for the future referrals, so do not ask credits for players you referred in the past.

2. Do not cheat. Do not create accounts just to get the bonus credit. You will get banned if caught, and you are very likely to be caught.

Just go out, refer players, help AVH grow and earn credits while you do that.