How to Get Approved for PayPal Pay in 4 — Even with No Credit History – Is Your PayPal Pay in 4 Application Getting Denied? Read This Before You Try Again. PayPal’s “Pay in 4” feature is a game-changer for anyone looking to split purchases into manageable payments without paying interest. But if you’ve recently applied and been denied, especially on your first attempt, you’re not alone. Many new users wonder: Why won’t PayPal approve me for Pay in 4?…