To get approved for PayPal, credit borrowers generally need a credit score of 670 or higher. The Credit Score Needed for PayPal Lending Knowing the credit score needed for PayPal credit will help you determine if this creditor is the right fit for your financial and lending needs. Let’s take a dive into how PayPal credit works, and what it takes to qualify for PayPal lending. However, did you know PayPal also offers their own credit and lending services? Purchases range from large and small businesses alike. Many consumers use PayPal as their preferred payment platform to purchase goods and services.