There are several things you can do that could have an impact on your eligibility.

PayPal Account

• Ensure an established, positive relationship with PayPal.
• Allow contact information updates to your PayPal account to fully process prior to applying.
  • Anytime information changes on your account, there is a risk that it may not be you updating the information and we may take extra steps to prevent potential fraud.
• Ensure your repayment method of choice is in the PayPal wallet and confirmed.
• Be mindful of the amount of open loans with PayPal.
  • Amount of open loans is taken into consideration during the decisioning process.

Credit History

• Length of credit history.
  • Longer is typically better. If you have a short or limited financial history, it can be hard for us to assess your creditworthiness and your ability to repay the debt.
• Be aware of your credit and repayment history, both with PayPal and your overall credit history.
  • This includes the number of loans you currently have opened.
  • Any late or declined payments, any previously charged off loans, or bankruptcy. A good payment history shows financial responsibility and can improve the chances of being approved. This includes purchases financed with PayPal Pay Later options.
• Demonstrated ability to pay.
  • Things for you to think about include: Has your income or credit score recently changed? What is your total debt compared to your income?

Important information

A declined Pay in 4 or Pay Monthly application does not negatively impact your credit bureau score.

Applying too often for any credit product can result in a decline.

If you have a freeze on your credit report, you will need to temporarily lift the freeze with the credit reporting agencies before you apply for one of our Pay Later loan options.

If your application is declined, you can still use PayPal to check out securely with other payment methods in your wallet. We will send you a secure message in the PayPal Message Center by explaining why your application wasn’t approved at this time.

Customer Service is not able to review, change, or give specific details regarding the outcome of any application decision for privacy reasons.