When paying off a PayPal Working Capital loan, it's not just automatic repayments, but forced payments. It basically garnishes your wages. For example, if you have $100 come into PayPal, $30 (or 30%) automatically goes to paying off the loan (there's a 10% interest on the loan overall).

I don't particularly have issues being disciplined, responsible, or remembering to make payments, but the forced part of this makes it so that it's impossible for anything to disrupt the payments, like other bills depleting my balance before the loan payment can be made.

Also, because of this novel approach to recollecting their money, these loans don't require or even involve credit. PayPal simply sees the account history of incoming money and know that you qualify for a loan.

I always have money coming into PayPal, but I don't make enough to have proper savings (like a CD), in case you're scratching your head. However, my credit score is just under 700, so if it would be better to apply for credit instead of a loan for this kind of dynamic, are there options for that that still support this forced repayment plan?

To be super clear, I know that you can set up auto-repayments for a credit card, but again, that's not what I'm talking about. It's this very unique, forced, self-paying mechanism that I find most useful.

Update: I believe I found it. It's called "revenue-based financing":

https://www.nerdwallet.com/article/small-business/revenue-based-financing