Accessing credit in the United States can be difficult for non-residents, especially if you do not have a Social Security Number (SSN). Many international entrepreneurs, freelancers, and online sellers face this challenge every day. Fortunately, PayPal offers a solution that allows eligible users to apply for credit using an Individual Taxpayer Identification Number (ITIN). With a paypal credit with itin number, non-US residents can make online purchases, manage payments, and begin building a financial footprint in the United States without an SSN.

Understanding What an ITIN Is

An Individual Taxpayer Identification Number (ITIN) is issued by the Internal Revenue Service (IRS) to individuals who must file U.S. taxes but are not eligible for a Social Security Number. ITINs are commonly used by non-resident aliens, international business owners, and foreign investors with U.S. income obligations.

Although an ITIN is primarily designed for tax reporting, many financial platforms recognize it as a valid form of identification. This makes it possible for ITIN holders to access banking tools, payment services, and limited credit options in the U.S.

What Is PayPal Credit?

PayPal Credit is a digital line of credit connected directly to a PayPal account. It allows users to make purchases online and pay for them over time rather than upfront. Instead of using a traditional credit card, PayPal Credit works entirely within the PayPal ecosystem.

This credit option is commonly used for online shopping, subscriptions, and business expenses. For non-residents, PayPal Credit can be an entry point into the U.S. credit system when used responsibly.

Can You Get PayPal Credit with an ITIN?

Yes, in many cases, PayPal allows users to apply for credit using an ITIN instead of an SSN. While approval is not guaranteed, an ITIN can satisfy PayPal’s identity verification requirements for eligible applicants.

Using an ITIN helps PayPal verify your tax identity and assess your financial profile. This option is especially helpful for individuals who live in the U.S. temporarily, operate online businesses, or earn U.S.-based income without permanent residency.

Key Benefits for ITIN Holders

Using PayPal Credit with an ITIN offers several advantages:

  • Access to credit without needing a Social Security Number

  • Ability to pay for purchases over time

  • Convenient online payments through a trusted platform

  • Opportunity to begin building a U.S. financial history

  • Useful tool for freelancers, e-commerce sellers, and remote workers

For many non-residents, this is one of the few practical ways to access U.S. credit services.

Eligibility Requirements

While PayPal does not publish exact approval criteria, applicants typically need:

  • A fully verified PayPal account

  • A valid and active ITIN

  • A U.S. mailing address

  • Proof of identity

  • Proof of income or financial activity (if requested)

  • Minimum age of 18

Meeting these requirements increases the likelihood of approval, though final decisions depend on PayPal’s internal review process.

How to Apply for PayPal Credit Using an ITIN

The application process is straightforward:

  1. Create a PayPal account and complete verification

  2. Link a bank account or debit card

  3. Ensure your personal information matches your ITIN records

  4. Navigate to the PayPal Credit application section

  5. Submit your ITIN when requested

  6. Wait for PayPal’s review and decision

Approval decisions are usually quick, though additional verification may be requested.