In short, no. While many lenders charge origination fees (sometimes up to 5%), PayPal does not. You only pay a single fee for PayPal Working Capital loans, so there are no additional charges or fees. Regarding late fees, PayPal Working Capital repayments automatically deduct from your PayPal sales. So, there should be no reason to make late payments. However, PayPal Working Capital advertises it doesn't charge late fees to its merchants.Finally, if you decide to complete repayments for a PayPal Working Capital loan early, you won't incur any prepayment fees.