So this is being sold for 15$.. which is unacceptable, so here is the method for free
What you need :
A Verified paypal account ( Saves time )
A Brain
Steps :
1- Goto Billmelater's website and apply there ( you must have a verified paypal account )
2- Make sure to make BillMeLater the official payment method on the application page
3- Buy stuff
4- Profit
Tips :
1- This is "legal", but don't leave traces like :
Don't put your REAL info on paypal or billmelater website
Don't buy stuff that require shipping, just buy online downloads
Credit to @Unohana for figuring this out