What are some things I can do that may impact my Pay Later eligibility?

There are several things you can do that could have an impact on your eligibility for Pay in 4.

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, we consider the risk that it may not be you updating the information, and so we may take extra steps to prevent potential fraud.
• Be mindful of the amount of open plans with PayPal.
  • Amount of open plans is taken into consideration during the decisioning process.

Credit History

• Be aware of your credit and repayment history with PayPal.
  • This includes the number of plans you currently have opened.
  • Any late or declined payments, any previously charged off plans. A good payment history shows financial responsibility and can improve the chances of being approved. This includes purchases financed with PayPal Pay in 4.

Important information

• A declined Pay in 4 application does not negatively impact your credit bureau score.
• Applying too often for any credit product can result in a decline.
• If your application is declined, you can still use PayPal to check out securely with other payment methods in your wallet.
• Customer Service is not able to change or give specific details regarding the outcome of any application decision.