I cannot take care of all of the stress of working full time, class full time and no cash to pay for it. I have by no means felt so abused in my complete life by anybody. PayPal's working capital loan resembles a merchant cash advance , which takes a day by day share of companies' sales as reimbursement. Simply be aware that by using a loan to consolidate your debts, it could take longer to pay again, and this may cost you extra in the long term.