What does PayPal Credit "subject to credit approval" mean?
Creditworthiness or “subject to credit approval” is determined by Synchrony Bank. This process happens in a matter of seconds as part of the PayPal Credit checkout process. Once you’re a PayPal Credit customer, you can use your credit line to make purchases. If you make a purchase that would cause your outstanding balance to go above your credit line, we’ll look at your credit history and PayPal Credit history to determine instantly whether to increase your credit line.