Yani Iliev

PayPal has been using this Dark Pattern for over 2 years. The idea of the pattern is to trick the user into applying for a PayPal loan.

How does it work?

When you initially login into PayPal, there is an interim page that is made exactly for this person to trick you into applying for a PayPal loan. The page loads a button [Proceed to Account Overview] aligned to the right at the middle of the screen.

1 to 2 seconds later, the button is pushed down by a clickable image.