My prequalified Pay in 4 amount does not match what I want to spend. Not all customers will see a prequalified amount. The prequalified amount may change or even go away as it is based on a number of factors, including account status, current loan balance, and repayment history along with many others. You must still apply and be approved for Pay in 4 during checkout. Prequalification does not guarantee approval. I see a prequalified amount for Pay in 4, what does that mean? A Pay in 4 prequalified amount is an estimate of how much you can spend with Pay in 4 on your next purchase. We have sent a letter with the details and reasons your application was declined to your PayPal Message Center. For privacy reasons, only you can see why your application was declined. Why was my preapproved Pay in 4 application declined? Preapproval is not a guarantee of approval as disclosed in the application process. Our Customer Service team can’t see your decline explanation reason(s) and cannot review loan applications. We will send you a message in the PayPal Message Center explaining why your application wasn’t approved at this time. If your application gets declined, you can still use PayPal to check out securely with other payment methods in your wallet. Why was my Pay in 4 application declined? A soft credit check may be needed, but it will not affect your credit score. Applying for Pay in 4 will not impact your credit score. Will applying for Pay in 4 impact my credit score? No. We may also use external bureau data to evaluate your application. How is my application for Pay in 4 evaluated? Our decisioning process is automated and we evaluate information such as the information you provided within your application and information about your usage and history with PayPal.
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