Lots of people complaining that they were denied, but we all need to remember that it's their money, and they have no obligation whatsoever to lend it to you or anybody else they choose even if you have a perfect record.
There WILL always be a reason, but it could simply be their internal policies. for example they may have a certain amount they can issue each month and have reached that level, or there may be limits for certain categories.
We've had 4 loans and no problems, always paid back early but were denied a 5th. The only difference I could see was that we repaid 20% each time, but on the 4th one we only repaid 10%. It may be an issue although they don't know what rate we're going to pay back next time until we have applied successfully and choose 10, 15 or whatever repayment percentage.
All I would say is we do have a claim open in Paypal although it's one we opened against the seller. I believe a claim is a claim and they don't differentiate between who opened it (buyer or seller) so that could have a bearing. It's also been much quieter than usual these past few months so again that could have a bearing.
I've no complaints because it's their money and therefore their choice. All I would say is it's difficult to plan ahead unless you're sure you can secure the funds, so on that score it's unreliable as you can't guarantee you're going to get it.
