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PayPal is a convenient way to send money to a friend or family member and was probably the largest force in changing the way we send money to other people. PayPal is a convenient way to send money to a friend or family member and was probably the largest force in changing the way we send money to other people. Representative APR 19.9% (variable). Free Slots No Download needed & 100000 Free Coins. "The holding will call into question many other regulations that protect consumers with respect to credit cards, bank accounts, mortgage loans, debt collection, credit reports, and identity theft," tweeted Chris Peterson, a former enforcement attorney at the CFPB who is now a law Note. If approved for PayPal Credit, purchase Payment Security to get some protection from the unexpected. 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