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

Interest rate and loan 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 explanation and can’t review loan applications.