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Last Updated: 02/23/2026

LoanBuilder

in Business Loans from PayPal Inc

Last Updated: 02/23/2026

PayPal Inc logo
Rating not yet determined3 total votes
3 users don't recommend

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Amount Range

$5,000 - $50,000

APR (Fixed APR)

6.49% - 99%(Verified 06/21/2024)
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Loan Term (Months)

3 - 12
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LoanBuilder Review

LoanBuilder is a business financing offering by PayPal Inc, based in San Jose, CA. Founded in 1998, PayPal Inc offers access to small business loans in 50 states (and Washington, DC).

LoanBuilder FAQ

What are LoanBuilder rates?

LoanBuilder offers a fixed APR business financing product that ranges from 6.49% APR up to 99% APR.

Does LoanBuilder charge an origination fee?

No, LoanBuilder does not charge a loan origination fee. A loan origination fee is what some lenders charge for processing, underwriting, and funding a business loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does LoanBuilder charge prepayment fees?

No, LoanBuilder does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the business loan off early.

How much can you borrow from LoanBuilder?

Business loan amounts start at $5,000 and go up to $50,000.

What is the maximum business loan term you can get with LoanBuilder?

LoanBuilder offers small business loans with terms ranging from 3 to 12 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for LoanBuilder?

LoanBuilder requires companies to be in business for at least 9 months. Businesses must have a minimum annual revenue of $3,500 to be considered.
Applicants with a credit score of at least 550 and up to 850 may be eligible for LoanBuilder.
U.S. citizens are eligible to apply for the services offered by LoanBuilder.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Proof of identity

What is the estimated funding time for a business loan via LoanBuilder?

LoanBuilder can fund small business loans as soon as 1 business day.

Does PayPal Inc perform a hard credit pull?

Yes, LoanBuilder performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

2211 N First St
San Jose, CA 95131
(402) 935-2050
Visit Site
Email Support

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Amount Range

$5K - $500K

APR

N/A

Loan Term (Months)

3 - 13
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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-100

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

LoanBuilder Community Reviews

Would you recommend LoanBuilder to your friends?

U

Anonymous

Jun 1, 2023

May or may not recommend

*Their borrow-and-repay model can jeopardize the future of a healthy company, strangle its revenue, leading a healthy company to chaos or even worse. Limited loan options, high interest rates, lack of transparent pricing, and stringent eligibility criteria can make Loan Builder unsuitable for companies in need of substantial capital or seeking long-term financing solutions.
Jerry W. avatar image

Jerry W.

Aug 19, 2022

May or may not recommend

This is typical financial company focused on positive reviews ( 'influencers' write a tons of lies about them ) . The fact is this is rather scam than financial institutions. Their sales guys are similar to used car dealership staff , who want you sell a lemon. NOTHING what they say is the truth. You may expect APR at $25-30% ( yes ! despite what they promise ) , you ...Show More
Steve S. avatar image

Steve S.

Jun 24, 2020

May or may not recommend

Thief... Very deceptive on their loans. Paperwork states that they charge "interest" NOT A FEE on the service. SO if you you pay it off early they charge you ALL the "interest" in the payoff and you NEVER get refunded any "interest" over paid. SCAM DO NOT EVER USE THIS COMPANY

Showing 3 of 3 reviews

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