PayPal Apply8 Working Capital Loan

 – No Credit Check? Fast?

Are you a small business owner and want a loan to help you boost your business?

If yes, this article may be helpful to you.

If you are a small business owner in need of a loan, you can consider the PayPal business loan.

Hence, PayPal offers a business loan to its customers with flexible payments, affordable fixed fees, no credit checks, and funding in minutes.

In this article, we will guide you on how to apply for the PayPal Apply Working Capital Loan.

Also, we will brief you on everything you need to know about the PayPal Apply Working Capital Loan.

Now, let’s get started.


PayPal Business Loan Review

If you got a promo offer from PayPal as a small business owner, you may want to apply for a business loan.

However, to apply for this loan, you must live in the United States and must be 18 years old or older.

So, if you are among the lucky ones to get the promo offer, just visit to apply for PayPal Apply Working Capital Loan.

On the other hand, the PayPal Working Capital loan amounts are mainly based on your PayPal account history.

Hence, when you apply for this loan, you won’t get your credit checked and if you’re lucky to get approved, you will get funded in a few minutes.

Also, PayPal Working Capital determines your fixed fee by the loan amount you select, the selected repayment percentage, and your PayPal account history.

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That’s not all, the PayPal Working Capital loan has no other fees and no monthly interest.

Hence, you can make manual payments and even pay the loan in full anytime without an early repayment fee.


How to apply for the PayPal Working Capital loan

Follow these easy steps below to apply for the PayPal Working Capital loan:

  • First, visit apply for PayPal Working Capital loan.
  • Once you open the link, you’ll be redirected to PayPal Working Capital loan
  • In the new page, click on “Apply Now”
  • Then, type in your email address or your mobile number and click on “Next”
  • After that, start the security challenge and follow the on-screen prompts to complete the process.
  • Once you’re done, wait for the approval and once you’ve been approved, review the fixed fee upfront, select your loan amount and percentage of each PayPal sale for repayment.
  • After that, you’ll receive your funds in a few minutes.

However, before applying for this loan, have in mind that your business must have had a PayPal Business or Premier account for 90 days or more.

Also, you must process at least $20,000 in annual PayPal sales if you have a Premier account, or at least $15,000 in annual PayPal sales if you have a PayPal Business account

On the other hand, make sure you’ve paid off any existing PayPal Working Capital loan.

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PayPal Loan Reviews

“With small-business financing through PayPal, entrepreneur Lisa Brooks has grown her catering and meal-delivery business, Heart & Soul Personal Chef Service, from a one-woman operation to a budding business with 10 employees.” PayPal Working Capital and Business Loans Review 2019.

Pros: Relaxed borrower qualifications No credit score requirement Easy application process No origination fee excellent support materials – Cons: Only available to PayPal sellers potentially high factor rates Poor customer support. MerchantMaverick

Other Loan Offers

If you think the PayPal Working Capital loan is a no option for you, you may want to consider other offers like:

  • SoFi



However, have in mind that to apply for any of these loans, you must be 18 years of age or older. Customer Service

You can reach out Customer Service:

Phone: 1-844-373-4961

Hence, the toll-free number is available from Monday – Friday: 8 AM – 11 PM Eastern Time and for Saturday – Sunday: 9 AM – 9 PM Eastern Time (closed on all federal holidays).


Final words

In a word, we hope this article was a great guide on how to apply for the PayPal Apply Working Capital Loan.

Hence, for any question on how to apply for the PayPal Apply Working Capital Loan, please leave a comment and we will get back to you as soon as possible.


Reference Link

paypal working capital

Frequently Asked Questions (FAQs)

What materials do I need to apply for PayPal Working Capital?

You’ll need some basic info about your business and yourself, as the authorized representative on the account.

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How is PayPal working capital calculated?

PayPal Working Capital gives you an amount based on your business history of sales and payment processing.

What fees do I have to pay with PayPal Working Capital?

Unlike other loans, PayPal Working Capital charges a single, fixed fee that will be made known to you before you sign up.

Hence, no monthly interest, no hidden fees, and no late fees.


Is PayPal still offering working capital?

Yes, PayPal still offers the PayPal Working Capital loans and the PayPal Business Loan.

What is the minimum repayment requirement?

Based on the loan terms you choose, you’ll be charged at least 5% or 10% of your total loan amount every 90 days.

hence, the 5% minimum applies to loans likely to take 12 months or more to be repaid, based on your previous business PayPal sales and other factors.

On the other hand, the 10% minimum applies to loans likely to be repaid within 12 months.


Can I get more than one PayPal Working Capital loan at a time?

PayPal Working Capital loans are issued one at a time.

Hence, you can still apply after paying off your previous PayPal Working Capital loan.

However, keep in mind that future applications are based on approval.