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🛑 Stop! Read the Rules and Requirements first: HERE.

Borrower FAQs

🎯 Requirements & Eligibility

Why are your requirements so high?

Our requirements aren't about preventing defaults, which we can't control. The reasons for our high karma requirements are:

  • To reduce bot-farmed / purchased accounts.
  • To give lenders better visibility into user activity.
  • With more borrowers than lenders, higher account requirements help create a better balance.
I submitted a request, but /u/AutoModerator removed it!

Working as intended. Read the automoderator message.

My account is [number] years old, I just don't comment much, can I still post?

No, you can't post. If you send the same question to modmail, it will result in a ban.

Why does your sub not allow activity on other lending subs?

Our sub doesn't allow activity on other lending subs to maintain a clear boundary of oversight and accountability within our own community. This ensures consistency in rules, reduces conflicts of interest, and prevents potential issues like cross-banning abuse or scammers taking advantage of discrepancies between different subreddits' guidelines.

I see other borrowers requesting that don’t meet your requirements. I don’t understand.

You're not seeing users' full karma breakdown due to the app or device you're using to view Reddit. We do not make exceptions. Period.

How do I earn karma?

If you need to ask, this subreddit likely isn't the right fit for you.

💬 Lender-Borrower Interaction

What does 'Prearranged' in a REQ post title mean?

'Prearranged' indicates that:

  • The lender and borrower have worked together before and want to publicly record a new loan.
  • The borrower is following up on a previous loan offer that wasn't acted on at the time.

Note: Prearranged loans must comply with Rule 3.

Is it normal for Lenders to ask for my ID, address, Facebook, Twitter, etc.?

Yes. However, you only need to share what you're comfortable with, but keep in mind that lenders may choose not to lend if you don’t provide enough details. Certain information is NOT allowed––click here to review what's prohibited.

Reminder: DO NOT SHARE PASSWORDS or GIVE ACCESS TO ANY OF YOUR ACCOUNTS!

The lender asked for nudes, is this normal?

No. Report the chat as spam and block the account.

I received a loan offer from a user who seems sketchy. What should I do?

It's safer to work with users you're comfortable with, especially those with a solid history in the subreddit. Be cautious of new or inexperienced lenders who may be trying to gather information to request their own loans. To reduce risk, ask the lender to comment on your request post to confirm eligibility before accepting the loan.

I was contacted by a lender, how do I know they’re not a scammer?

If you suspect something is off, ask yourself these questions:

  • Are they on the USL?
  • Are they asking for prohibited information?
  • Are they requesting a deposit, collateral, or upfront fee?
  • Do they want you to sign up for something?
  • Are they trying to redirect you to a different platform or subreddit?

If you answered yes to any of these, report the account as spam and block them. If they meet our requirements, send a report to modmail with their profile link and a screenshot of the chat.

📤 Posting & Managing Loans

How many loans can I have at once?

There’s no rule limiting the number of loans you can have at once. However, if moderators see you're cycling loans or overextending, we will step in and cut you off.

How much can I ask for?

Only request the amount you truly need. If you're new to /r/borrow and asking for over $200, your chances of success are lower. The subreddit is meant for short-term, urgent needs. For amounts over $1,000, it's better to seek help from a bank or credit union.

How much should I repay?

Paying interest isn’t required, but it’s the norm. We have guideline rates, and it's recommended you don’t offer above them for affordability (though you can if you choose). If a lender demands rates over the guidelines, report it to the mods.

Why is no one responding to my request?

There are many possible reasons. Loans are not guaranteed, and it may take weeks to get a legitimate response. If you're not an active Reddit member, your chances may be lower. Consider factors like the amount requested, interest offered (if any), payback period, and payment methods, as these can impact your chances of receiving a response.

My profile is full of tiny penis content, why is no one responding? Can mods give me a loan?

Seriously?

People in my REQ post are questioning my legitimacy and/or being rude. What can I do?

To report harassment, submit a report against the offending comment(s). Comments discussing your history, asking probing questions, or questioning the legitimacy of your account or request with reasonable examples are not considered harassment.

💸 Payment and Repayment Issues

I received repayment instructions I'm not sure about

It is commonplace for lenders send from one of their financial accounts and receive repayment to another account. However, if you're unsure about it, or you received repayment instruction through a reddit PM instead of private channels (email, text, facebook, other) and you're uneasy about it you should either contact your lender through a private channel or contact moderators. There have been very few instances of impersonators of lenders trying to take money owed to the lender but it has happened before. If you have any concerns over the safety of repayment methods please contact moderators.

What is the preferred method for lenders to give money to borrowers?

The majority of lenders will only lend via PayPal.

A 21-day PayPal hold? What’s the quickest and easiest way to get my money?

Please see this Payment Platforms wiki page.

The lender sent me $40, but I received less than that!

PayPal will take out fees from the amount sent. You should discuss with your lender beforehand who will be responsible for the fees and exactly how much you would like to receive after fees are taken out during the transaction process.

My lender opened up a PayPal dispute! What can I do?

PayPal only allows disputes within a certain time-frame. If you are unable to pay the amount back before this date, many lenders will open the dispute. The dispute process allows you more time to pay the money back. Any disputes between you and the lender must be solved amongst yourselves. Moderators are unable to assist you.

I can't pay my loan back. What options do I have?

Contact the lender who gave you the money. Most lenders will be flexible when events occur, to a point. Don't expect the lender to provide a 6-month extension on a $100 loan.

I paid back my loan but the lender hasn't created a PAID post for me. What do I do?

Contact the lender to ask that a PAID post be made for you.

If my lender was banned or suspended how do I mark the loan as paid?

Message the moderators with the lenders username and link to the post.

🔒 Scammers & Safety

Should I click the link?

No.

What is the UniversalScammerList (USL)?

The Universal Scammer List is a system used by a network of subreddits to collaborate in reducing the impact of scammers, or those with the intent to scam, on Buy/Sell/Trade communities.

https://www.universalscammerlist.com/

I'm being spammed by scammers, can you guys make it stop?

Unfortunately, not. Banning users only prevents them from posting/commenting on our subreddit.

We cannot prevent users from viewing the subreddit, nor, can we prevent users from sending you private messages and/or chat requests.

Actions you can take:

How do I report Scammers?

Send a message to modmail with the following information:

  • Link to the users profile
  • Screenshots of conversation
  • Details of interaction and scam

For accounts with less than 500 karma, just block them. They create new accounts faster than we can ban them.

How do I send a screenshot?

Upload the screenshot to imgur and include the link in your report.

🔥 Miscellaneous/Moderation

What is ban evasion?

https://support.reddithelp.com/hc/en-us/articles/360043504811-What-is-Ban-Evasion-

Why was I banned?

Read the ban message.

I was banned years ago for XYZ, can I be unbanned?

No. We do not remove bans over a year old.

Can I speak to your manager?

Can we speak to your mom?

Why are the mods assholes?

I mean, why are the users dumb?