I have had 2 loans. The second loan was denied at first. I don't recall the codes, but I did talk to customer service, and they told me that PayPal updates your account for these loans the next month by around the 15th of the month. This is what happened to me. I applied for the loan again in December, after paying off the prior loan in October. I was getting invitations from PayPal working capital to re-apply. The loan was denied. Called PayPal working capital, and the rep explained that I could reapply in January after my account was updated. He said it should be updated by the 15th of January. So I waited, and reapplied on the 5th of January. PayPal had updated the numbers on my account at that point and I was able to get the loan. So basically, it looks to me that waiting until the next month to reapply can be the thing people need to do.
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