Well players69 pretty much has it figured out. I kind of stumbled upon this by accident..
BUT
You can get signed up with paypal, verify a bank account, and send someone 2000 dollars, even send it to yourself with another seperate account, and the account will stay "Limited" for 120 days, where by no interest is accrued and you basically got about 2000 for free during that time.
Kind of amazing actaully, how poor Paypal's A/R department, if one exists, must be. I mean it appears they basically have no way of getting that money back, a result of not paying it back in 120 days is your account woule be locked, but at that point, who cares? LOL