Can international students use PayPal Credit in the US?

Most international students cannot use PayPal Credit because it requires a U.S. Social Security Number and a credit check. If you already have a valid SSN, U.S. credit history, and a U.S. address, then yes — you can apply, but approval is not guaranteed.

What PayPal Credit Requires

PayPal Credit is a revolving credit line. That means it works like a small credit card inside your PayPal account. Because it is real credit, the lender must verify your identity and check your financial background.

• Social Security Number: This is the biggest barrier. International students usually do not get an SSN unless they have on‑campus employment or certain paid positions.
• U.S. credit history: The lender checks your credit report. New students usually have no history, which often leads to denial.
• U.S. phone number and address: Needed for identity verification and billing.
• Age 18 or older: A basic legal requirement.

If You Already Meet All Requirements

If you already have an SSN, a bit of credit history (for example a secured credit card or a phone plan in your name), and a stable U.S. address, you can apply directly through your PayPal account.

• Approval is still not guaranteed: Even with all documents, thin credit history can cause rejection.
• Your credit report will show the account: Every use and late payment affects your credit score.
• Use your real U.S. address and phone number: Avoid VPNs or foreign numbers; they often trigger security flags.

What Happens If You Apply Without Meeting Requirements

The application will almost always fail. Sometimes accounts get temporarily limited because identity information does not match U.S. records. This is common for new arrivals and usually fixable but stressful.

Practical Alternatives for International Students

• Secured credit card: Easiest way to start U.S. credit and later qualify for more products.
• Bank debit card or PayPal balance: Works for most online purchases without credit checks.
• Student-friendly banks: Some offer quick credit-building cards with minimal requirements.

In short, PayPal Credit is possible only for international students who already have the same documents a U.S. citizen would need. Without an SSN and credit history, it will not work.