Q&A: What credit score do you need for a PayPal Credit®?

Updated on April 19, 2024

Question: What credit score do you need for a PayPal Credit®?

Answer: PayPal Credit® is a bit unique since it’s a digital, reusable credit line, and it’s integrated with your PayPal account. When it comes to the credit score needed, there isn’t a strict, publicly disclosed minimum. However, many s have reported being approved with credit scores in the mid-600s and up. But, as with most credit options, the higher your score, the better your chances of approval.

But here’s the kicker: your credit score isn’t the only thing PayPal considers. They’ll also take a look at your overall financial health, including your income, payment history, recent credit inquiries, and other debts. So, if you’re hovering around the mid-600s but have a solid financial track record, you might still be in the game. On the other hand, even if you have a stellar score, other factors could influence the decision.

If you’re thinking about applying, it’s always wise to take a peek at your credit report first. Make sure everything’s accurate, and perhaps consider ways to give your score a little boost. And just a heads up: applying for PayPal Credit® will result in a hard inquiry on your credit report, which might cause a temporary dip in your score.

Stilt, Inc. and its affiliates do not provide financial, tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own financial, tax, legal and accounting advisors before engaging in any transaction.

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Frank Gogol

I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.

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