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Paypal is still giving loans but very picky. I got 3 in the past year after getting all the same messages as everyone else. I'm in the pool business in dfw so of course with the freeze I'm slammed. Well got a 12k loan it was paid off within a few weeks so now these clowns completely closed my PayPal account after 15 year's using them as my sole billing account. I was basically told I'm no longer welcome. There's other options out there. But if you stay here apply everyday. The computer decides who gets a loan everything is run on algorithms.