[seonme]

No, you need to apply Paypal pay in 4, if you can successfully do this with other credentials then Yes you can do that. However, if you do this with your own details your credit score will get effected heavily - meaning that it will be hard to apply for Mortgages loans etc

Pay in 4 does not check credit score at all. It's pretty much the same thing as Klarna or Afterpay.

Paypal pay in 3 or pay in 4, Klarna and Afterpay all do a soft credit check in europe atleast i dont know about other regions so if your credit is bad or if the credit limit is almost at 100% u will be rejected