LoanBuilder, A PayPal Service, is a financial service provider that offers flexible financing solutions designed to meet the needs of small businesses. The company specializes in providing customizable business loans that allow entrepreneurs to access the capital necessary for growth and operational expenses. Through its user-friendly online platform, LoanBuilder enables business owners to apply for loans quickly and efficiently, streamlining the funding process. Targeting small to medium-sized enterprises, LoanBuilder caters to a diverse range of industries, helping businesses manage cash flow, invest in inventory, or undertake expansion projects. With a commitment to transparency and customer satisfaction, the company aims to provide accessible financing options that empower business growth. LoanBuilder operates within the finance and insurance sector, leveraging its association with PayPal to enhance trust and reliability in the lending process.
LoanBuilder, a PayPal service, receives mixed feedback from customers, with a significant portion expressing dissatisfaction. While some reviewers praise the speed and ease of the loan process, highlighting positive experiences with representatives like Michael Hagan and Kesha Gilbert, many others criticize the service for high fees and poor customer support.
Complaints frequently mention unresponsive staff, with customers reporting difficulties in reaching representatives via email or phone. Additionally, several users warn about deceptive marketing practices, claiming that the upfront fees can lead to unexpectedly high costs. Despite some positive experiences, the overall sentiment leans negative, with many advising potential borrowers to approach with caution.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 2.7 | 60 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Oct 24 | 1.0 | 1 |
| Nov 24 | 5.0 | 1 |
| Dec 24 | — | 0 |
| Jan 25 | 5.0 | 1 |
| Feb 25 | — | 0 |
| Mar 25 | 3.0 | 2 |
| Apr 25 | — | 0 |
| May 25 | — | 0 |
| Jun 25 | — | 0 |
| Jul 25 | 1.0 | 1 |
| Aug 25 | — | 0 |
| Sep 25 | 1.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“The process is incredibly quick and easy”
“It's an automated service with high fees”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Value | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|---|
 | 2.7 out of 5 (poor) | 67 out of 100 | 2.7 out of 5 (poor) | 1.9 out of 5 (poor) | 2.3 out of 5 (poor) | — | 60 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | — | 3.0 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.7 out of 5 (good) | 4.6 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 3.9 out of 5 (good) | 4.0 out of 5 (good) | — | 1,060 |
Bottom line: LoanBuilder, A PayPal Service is #5 of 5 on overall rating in this group. On value, Frontier Home Insurance scores higher (4.7 vs 1.9).
60 reviews of LoanBuilder, A PayPal Service. Filter by what matters to you.
My representative, Nico was great from start to finish. He was very professional and knowledgeable. The loan process was explained in detail and he had an answer for all of my questions. I found the process to be transparent and without hidden fees. I would recommend this service to anyone.
I wl never forget what they did to me this are biggest scam took all my Salary in my account and left me with no money for my kids, I hope God will do justice they use your account to send money and block u after rubbish scam.
I get what I need fast. Can't say enough for how much help LoanBuilder has been and also the customer service from our Account Manager, Nico.
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Polarized pattern: few middle ratings. 42% of recent reviews are 4–5★ and 57% are 1–2★.
Awesome, painless and quick service from Nico! He was very professional and walked me thru every step of the process. Highly recommend!!
Michael Hagan is an awesome representative for Paypal Loan Builder. He is very knowledgeable about the product. I’m glad that he reached out to me to inform me that I could renew the loan for more funding. His phone call helped me realize that I had the option to renew. I then renewed my loan for more funding at a later date. Thank you Michael!
Same day funding, you just can’t beat that!
I’ve borrowed money with LoanBuilder by PayPal three times, and each experience has been excellent! The process is incredibly quick and easy. You provide three months of bank statements, get a pre-approval with only a soft credit pull, agree to the terms, and then a hard pull is done on your personal TransUnion only after acceptance. The loan is reported to Business Experian, which is a plus for building business credit. The interest rates may appear higher in the documents, but they’ve actually been lower in practice for me. On my first loan, the effective rate was 18%, but my next two loans had an effective rate of 12%. The funds are deposited directly into your PayPal account, and payments are automatically deducted weekly from your chosen bank account, making repayment straightforward and stress-free. While the rates might seem a bit high, the hassle-free process and quick funding (less than a week every time) make it well worth it. Highly recommend LoanBuilder for businesses looking for fast, reliable funding!
OMG !! It’s really easy process to get funding and Nick was so helpful with process got funded less then one week. I used company from New York for 6 year to get business funding and I am so happy to switch with PayPal business loan builder and it’s way less charge then all competitors. Thank you so much Nick for helping me.
I just signed documents for my second loan with LoanBuilder (PayPal Service). I had the pleasure of working with Kesha Gilbert. Our first point of contact was Kesha reaching out to me to check on my current needs. Normally I do not engage in cold calls but the tone and professional manner intrigued me plus my first experience was great so I forged on. Fast Forward ~ within 48 hours of the phone call I was fully funded. I am a sole proprietor and due to PalPal LoanBuilder I have gained a bit of peace of mind so necessary to my business. I highly recommend this company and if at all possible ask to speak with Kesha, as she is a professional that enjoys the people side of the business which in my opinion is the universal priority.
I have the honor of working with Marayam through Loanbuilder by PayPal. The loan for my business was seamless without the usual headache you'd see from other lenders. Once you have a track record with the company, the process is expedited. And, Marayam delivers world-leading customer service and topnotch expertise. I highly recommend a PayPal business loan. - Dr. Harvey (Hung) Tran
Best app for withdraw money and very easy this app.
Nico Gricco was awesome, he was honest and fast to respond, my loan was funded within hours and he made it so easy. This is my second time funding with them and I will do it again when this is done. Really appreciate the effort he put in!
Danielle was very friendly and easy to work with. They processed all of my info quickly and even helped me through some technical issues. It only took 1 day for me to get the money once I was approved. Thanks Danielle!
We just recently re-upped another short term loan with Loanbuilder. Once again they provided me with an EXCELLENT APR and weekly payments. Niles E. made the entire transaction as easy as possible and with us a returning customers we received our funds deposit the very next day. Loanbuilder is the BEST in the industry! I have had other potential lenders tell me that they CANNOT touch Loanbuilder's terms. We highly recommend them.
I don't know where to start. Whatever Loanbuilder did to me, my own father wouldn't. I appreciate with all my heart about what you guys did in covid time. Without asking, They stopped payments for 3 month. After that they offered, lower interest rate with long term payment. I was like speechless. Thank you guys, I really mean it THANK YOU
my company Crusader Paint, LLC obtained a working capital loan through PayPal. The entire process was conducted in a professional and extremely user friendly manner. The loan representative from PayPal was friendly, very knowledgeable about the various product offerings and most important really gave me confidence that my company's financial welfare was his most important consideration. The process from start to funding was a little over 24 hours. This is my company's third loan from PayPal. So, if a returning client is a sign that repeat business is customer satisfaction; consider Crusader Paint, LLC a very happy client of PayPal.
LoanBuilder, A PayPal Service, is a financial service provider that offers flexible financing solutions designed to meet the needs of small businesses. The company specializes in providing customizable business loans that allow entrepreneurs to access the capital necessary for growth and operational expenses. Through its user-friendly online platform, LoanBuilder enables business owners to apply for loans quickly and efficiently, streamlining the funding process. Targeting small to medium-sized enterprises, LoanBuilder caters to a diverse range of industries, helping businesses manage cash flow, invest in inventory, or undertake expansion projects. With a commitment to transparency and customer satisfaction, the company aims to provide accessible financing options that empower business growth. LoanBuilder operates within the finance and insurance sector, leveraging its association with PayPal to enhance trust and reliability in the lending process.
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