PayPal Credit

For those who are not familiar with PayPal Credit, it was formerly called “Bill Me Later” which would allow you to purchase a product online today and not have to pay for it until up to 6 months later with zero interest just as long as you spent at least $99 on the purchase.

Bill Me Later had denied my request for credit on several occasions in the past but since my credit had improved over the last couple of years, I thought I would give it another try. To my surprise, I was instantly approved for a $250 line of credit and although the amount is not earth-shattering, it is still $250 more than I expected, which is always a win-win!

So in short, if you are looking to make a purchase via PayPal or at any one of the many online stores that accept PayPal at checkout, then I highly recommend PayPal Credit as I feel that the approval rate is good even with a poor credit score hovering around 600.

You might also like: Can you build credit with PayPal?

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