When applications are reviewed, several factors are considered including, but not limited to, the information you provided in your application, your credit score, your transaction history with PayPal, and how long you've had a PayPal account.

Eligibility criteria are subject to change based on various factors.

If your Pay Monthly application can’t be approved, you can still use PayPal to check out securely with other payment methods in your Wallet. Please look for the details on the application decision in a secure message on your PayPal account message center. Our Customer Service team can’t see your decline reason(s) and can’t review loan applications.

If you would like to better understand why you may have been declined and potential ways to increase future eligibility after reviewing your secure message center, visit What are some things I can do that impact my Pay Later eligibility?