What Credit Score Do You Need for PayPal Credit?

No Official Minimum Score – PayPal doesn’t publicly list a required score, but approval depends on credit history.

Fair Credit Is Usually Enough – A score of 640 or higher is generally recommended for better approval chances.

Some Get Approved Below 640 – Users have reported approval with scores as low as 600, but it’s less common.

Income & Debt Matter Too – Lenders also look at income, debt, and credit utilization—not just your score.

Hard Inquiry Happens – Applying for PayPal Credit triggers a hard credit check, which may affect your score.

PayPal Partners with Synchrony – Your credit profile is reviewed by Synchrony Bank, the credit issuer.

Improve Before Applying – Pay bills on time, reduce balances, and check your credit report for errors to boost approval odds.