I have had the same problem. Took out a $23000 loan around Oct16. Paid it off early in January 17. Reapplied for a loan and was offered $21,000. Did not take it up immediately as I had to discuss in with my wife. Went back two days later and was only offered $4000 or $4500 (can't remember exactly). Rang Paypal and they basically said "try again in a few days and you'll get a bigger offer". Tried again and was offered $7500. I thought "that's an improvement" and tried again the next day and got the error code 646. Rang Paypal again and was told that code meant I had been denied. The excuse I got was "that is how our system works and we can't manually change it". So having used Paypal for over 10 years and taken out 6 working capital loans for over $78,000 since they were first offered, this is how Paypal treats me. It is very disappointing.
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