Seriously, look up maximum legal APR per annum for your jurisdiction. What you guys are doing here is illegal, though real loan sharks aren't stupid enough to actually document their illegal transactions for the public to see.

Hello All. It's been quite a while since i've visited the sub. Please feel free to look at my history here. I've never once missed a payment (a lender did say I missed a payment, however, he corrects himself).

With that said, i'm not exactly in a hard place, however, it's inconvenient. Simply, I just need to pay off a credit card as I want to be "debt" free.

I can pay $2k+ per month until the debt is paid.

Here are some facts surrounding my current financial snapshot.

• I net $4200 per month.

• Rent & other expenses = $750/m

• My vehicle is paid off (insurance incorporated in the expenses above).

• No other expenses.

• I've remained an employee at my non-profit company for 5 years and 4 months. (Can provide proof / evidence).

What I will be doing in the meantime to pay off the loan sooner rather than later...

• I have around $60-$75k worth of collectible Pokemon + Magic cards, sealed product and slabs: I am actively collecting photos and will be posting them all amongst the different mediums across the net / local.

Terms: I'm open to providing any and all information required. I know there are a few lenders who reside in my city, I wouldn't be adverse to meeting.

- I'm open to ensuring both parties are happy (Loan x Interest)

• I can provide bank/card statements, and any other information required.

• I can sign any legally binding document outlining our agreement.

• I simply ask, if that by March 2nd, if i no longer need the loan (which may be), then I ask to return/refund your loan at an agreed upon, lesser interest***

I thank you all for your time and consideration!

[REQ] ($2,000) - (#San Antonio, TX, USA), (Repayment by August 31, 2027), (PayPal)

Hi everyone,

I'm a working mother of two young children, and I'm reaching out because my family is facing a financial crisis that I never expected to find myself in.

I work in healthcare, have stable employment, and receive regular biweekly paychecks. I've always taken my financial responsibilities seriously, and I've worked hard to meet my obligations, even when doing so has been difficult.

Unfortunately, financial decisions and circumstances outside of my control have left me carrying responsibilities I never anticipated. I've been doing everything I can to keep our household functioning, but I've reached a point where my income alone simply isn't enough to catch up.

Right now, I'm facing overdue utility bills, disconnected phone service, and difficulty covering groceries and other basic necessities for my children. I'm not asking for money for anything extravagant. I'm trying to keep the lights on, put food on the table, and create some breathing room so I can get our finances back under control.

I'm requesting $2,000, with a proposed repayment of $2,400 in ten monthly installments of $240. I have a steady income and am willing to provide reasonable proof of employment and income to a legitimate lender through secure channels.

I understand that $2,000 is a substantial amount to request, especially as a first-time borrower in this community. I also understand that trust has to be earned. I don't expect anyone to take my word for it without verification.

I'm not looking for a handout, and I don't take the idea of borrowing from a stranger lightly. I'm asking for a chance to get through an incredibly difficult period while continuing to work and meet my responsibilities.

My children deserve stability, and I'm doing everything within my power to provide it.

Thank you sincerely for reading and considering my request. Any genuine consideration would mean a great deal to me.

Hello, we need a bit of help to pay rent and bills for a little while while my wife is in the process of switching to a new job that takes a couple months to ramp up. I know this is a larger sum with an extended installment schedule, I’m open to negotiate a bit if necessary but we really need help to make it through. I’ve scheduled the installments to fall on my payday so that I can set it up to send as soon as my paycheck comes in, that way there’s no chance of a missed payment.

Recently made sole provider of our household and short on the upcoming mortgage payment due on the 15th. I'd like if possible to avoid borrowing for high-interest loans, so thought I would ask here to see if anyone can help me get back on my feet this month. I know the request is higher than usual on this sub, but I'm fully employed at a reputable company and can provide more information if needed/considered.

Edit: I am open to suggested interest for those who are considering - forgot to add that in my post. Thank you

She contacted me saying she wasn't able to pay until the 20th when the agreed date was the 10th. I messaged her on the phone and through reddit and after asking her to repay me and just take out another loan she has stopped responding.

I am really needing the cash she owes me now, and it sucks that she is trying to delay it 10 days.

K

Hello!

I would like to pay off the remainder of my 401k loan so I can request a second one. I spoke with my retirement representative and was advised that the entire process of paying off the loan and then requesting a new one would take around 14 business days so I went ahead and put the repay date a month out but I expect to pay off the amount sooner than that. While I am trying to time the repayment with me getting the new loan, I fully intend to pay the entire amount ($1,500) back by the due date, regardless of if I have received the new loan by that time.

Thank you so much for taking the time to read and have a great day!

Disclaimer: Do not DM me seeking loans. I will block and report. It is against the rules to DM members without their consent. If you can't post here because of account age/low karma, I can't help you.

Borrower provided all verification I asked for and provided proof for his claim that his prior "Active" loan was indeed paid, just not marked as paid, when I requested.

Loan was supposed to be until the 18th but he did mention that he may be able to pay as early as Friday and asked for reduced interest for early payment, which I agreed to but this ended up in me essentially taking this loan on for $2 as he repaid it today (after less than 24 hours) and a bit of a headache in dealing with this. That's on me as I didn't clock how quickly that other "Active" loan was turned around, so it didn't flag initially that it was sketchy, as I saw proof it was paid. Learning lesson for me anyway!

This borrower is now banned due to the potential sketchiness in taking out loans with such short repayment turnaround.

My wife and I fell into a little bit of a financial hole: one of those kind of perfect storm events. We had a large unexpected bill back in July; we got it taken care of but it set us about $300 behind on rent. We were making it up this month on time as we budgeted for, but my wife's hours were unexpectedly cut, and at the same time her car started acting up. I know how to work on cars, and was fortunately able to fix it quickly, but between the two it still put us another $300 shy this month.

They refused the payments that we made this month because they said they were 'too small' and now say unless we pay $1600 up front that they are going to file for eviction.

Because of the nature of my wife's work as a caregiver for the elderly she's already filled her hours back in with new shifts for another client she already works for, but we just can't make up the money as fast as they want.

Cell phone service is suspended, need cell service to do anything.

I am in a bit of a log jam with my cell phone service being suspended. I know $1200 is a lot of money to owe for a cell phone service, but I had some unexpected deductible fees, late fees, and other unexpected but legit charges and I have not been able to get on top of it over several months. I can't even move money from payment apps to my checking account without having to get a code by text message. Good news is that I have some things for sale such as my camper trailer on ebay and it has 1 bidder so it is for sure going to sell. Ask me and I will share the link. I should have the money from the sale of this camper trailer by the end of next week.

I'm trying to stay super busy with side work on a 24/7 basis, but I am limited to who I can call and text by who has an iphone. I am pretty much shut out of gig work with no cell phone, but I am able to connect via wifi and try to get banquet gigs, hopefully for tonight since it is New Years, but I can't seem to be able to ask the same friends that would readily loan me $200 to now loan me $1200, even though I have good credit with them.

Looking to help out someone with a loan. Please have at least 2 completely loans through this subreddit before you consider sending me a PM. Would also highly prefer someone to possibly be in the position afterwards to fulfill someone else's request after they pay the loan back.

Be sure to send me the following:

Links to at least 2 completely loans. Your personal email so we can exchange information for the loan.

Had very good communication throughout. Lent him extra small amounts. Seemed very trustworthy. Totally ghosted me on payday. Not answering calls , texts, chats etc. Lent him a total for $480.

I posted the other day in this sub, but the only messages I received were from accounts that didn’t meet the sub’s criteria, so I’m reposting with a different repayment schedule. Long story short, there is no rent control for any properties in my area built after November 2018. My rent went up $700 a month this year. I am paying it, but it is a strain on me, and I’m looking for assistance so I can rent a more affordable home for my family. I have worked full time at the same job for 5 years, and can provide pay stubs or any information necessary.

Past two months have been a gut punch for me financially. I've been out of work and had to be in the hospital for a week which has drained most of my savings. My roommate and I are moving into our new place this week and we need to cover a lot of up front costs including first months rent.

I'm starting a new job making around $60k a year on 6/1, and will receive my first paycheck on 6/15. I've set the date to 8/1 which will give me plenty of time to get back on my feet financially and I have laid out a roadmap to be able to pay this back on time.

I know this is my first time posting in this community, and am willing to provide any personal information to make this happen. Any help will be greatly appreciated as I am in a tough spot right now.

I am seeking a $6,000 short term loan in order to expand my business with additional clothing items that I'm able to purchase at an excellent/below wholesaling price for an upcoming Ontario, Canada road trip, where I bring my goods in an RV throughout the province, meeting with my regular clientele. We did this last year, and it was a great success!

I have been in business with my women's clothing boutique now for over 2.5 years, and I do approximately $35,000 a month in sales. I have the Square reports to prove it.

My last loan was a year ago, also for $6,000 and it was paid in full, with interest, as agreed upon. I have a long, LONG history of taking loans, even giving loans, with never a problem. According to the bot, last time I checked, I had paid back over $16,600 in the past years.

Long time Redditor (10 years as of last week or so!!!) Stalk me! I will provide any and all information needed, just let me know what you need and what your requirements are for the loan (interest, info needed, etc).

Would also be interested in partial lenders equaling to the total of the sum requested.

Thank you for considering me!

2nd Edit: Obviously, will pay interest, in last years loan, I paid 15%. $1,150 per month for 5 months for $5K and $1,150 for $1000 paid in 30 days.

EDIT TO ADD: As I stated, I am actually living in Ontario, Canada, but I am a dual citizen with USA bank accounts, Canadian bank accounts, USA PayPal and Canada PayPal as well. I listed Massena, NY as my location, as that is the billing and mailing address for the USA, only 40 mins from where I live WHEN the borders are open.

Single mom of 2 (6 and 8).. i was without a job for a few months, barely scraping by and landed a job. I've been there for 6 weeks but I've been playing catch up on everything. I finally got caught up on everything but my vehicle. Dumb, I know but my kids health and such come first. I get no help from their dad. I bring home $1500 a week. Weekly payments of $325 beginning Oct 30th.

I have paypal. .I can send you whatever. They JUST picked up the car tonight and I feel miserable. I paid $1000 the last 2 weeks but they were not willing to do anything for me... Any help is appreciated

Thank you so much

I am absolutely desperate for rent money. I lost my job that I absolutely loved which I was at for five years very unexpectedly at the end of August. I have been doing DoorDash full time and watching dogs on the side since and have been making decent money but not enough for such a large amount at once. I have been selling everything I possibly can and have absolutely exhausted all of my options. I have several job offers but will not get paid for at least a few weeks once I start, and my landlord is not willing to work with me whatsoever.

I will pay back $100 every single Friday for 13 Fridays until you are paid back a total of $1300. I will send a photo of my ID, proof of rent due, all of my social media handles, my phone number, address, contact info for my partner, proof of my weekly DoorDash income, etc. etc. etc. whatever you want or need to assure you I will pay you back.

I will genuinely be forever grateful if somebody can help me from getting evicted and having to live in my car with my two dogs. I have never been evicted, am a very hard worker, have a degree, and would be absolutely devastated to have to be homeless. Thank you for considering!

This set of transactions is completed a touch early, and I wasn't sure we'd get here. This borrower is currently banned under mod discretion for having way too many loans out at once, but they have continued to communicate when called upon and have repaid these four ahead of schedule and in full. The borrower has been negative and dismissive when attempts to suggest resources or strategies have been made. They also have repeatedly blamed mods for their struggles, yet have not accepted that they play a part in the outcomes they experience.

Note: this post applies to the three oldest and the third-newest of our seven outstanding loans together. We're now all current until the start of November!

Fair ongoing experience, but room for improvement is present in areas of general attitude and temper towards mods.

Hey there.

I'm looking for a loan. I have an offer from a credit union for a $1000 one, but I need to show 'em my paystubs. Problem: job I have doesn't gimme paystubs. They told me to get a cosigner or go kick rocks.

I make around $1300-1500-ish a month, so I qualified based off the income I gave them, but I've got no way to prove it. I would like to build a history of repaying loans, so here I am.

I'll give you $85 OBO to sign with me, and I'll stay in touch every month, etc. Give you any evidence that you need: my clockin slips, my Google Timeline history showing I work there, etc.

I have around $800 (current resale value) in various assets like laptop, cameras, phones etc., so I do have some things I can sell in the (extremely unlikely) event of an emergency.

Been in this city all my life, so I'm not going anywhere (I can PM you my yearbook photos LOL.) Just got in a bit of legal snafu, and that costs money.

Edit:words

Edit2: While I think 8.5% (in exchange for decently low risk) is a good offer, if you typically charge more I am willing to take offers, hence OBO.

We just moved to Paducah Ky. (USA) We need just a little bit to tide us over until I can start working. Aside from a few basics we need, our 7 yr old daughter has her own room now and we need a bed and dresser for her. Also, we would like to have some cash to buy our 4 yr old a few birthday gifts. I will make every effort to pay back the loan as early as possible, however it will be paid in full by the time we get our tax returns back. ( I usually have them filed by the 15th of Jan and we get the $ around the first to second week of Feb.) I can accept Paypal or can provide direct deposit info to my bank. This is my first loan request, I honestly wouldn't even ask, but circumstances have left me little choice. Please help if you can. PS. I have been a long time Redditor. :-}

Life happened last week and I had to use $1200 of my rent money for a medical emergency that couldn't wait two more weeks. Tried to get help literally every other way possible with no luck. Now I'm just trying to make my payment by 9/30/25 so that I don't have to pay two months at once AND go to court for this.

Repayment will be $1300 on Friday, 10/3/2025 when I get paid.

Hello all, I am desperately reaching out for help for my little family. Both me and my partner were laid off at our jobs at the same time. I have bounced back he is still struggling to find in his field. When we got those great jobs (that eventually laid us off) they promised us so many thing and commission was overheated. We did not make hardly $300 a month there. Never work timeshares. While we are doing decent, we struggle to put food in the house and on top of that my car needs work that will cost about $3000. We are working on saving. But if anyone can help with the the big amount so we can continue working and making money. Car still drives for now. Heavy on the for now haha. All our love and TIA!

Hello, I’m looking for $6000 as I am in need of help to move to Maryland. The repayment would be 7500. Please consider. I was hoping to pay in installments. Around 1500 every two weeks. After that my paycheck will be more so I want to say I will be able to pay more once I officially get my first paycheck from the new company I’m working at. Please consider and thank you for reading.

I know this is a huge ask, but I'm sick of struggling. My credit is shot (separation and pending divorce, no I will NOT ask him) and I just want to pay off bills and start fresh. I don't want to seek help elsewhere because there are people who need it more than me, with far more serious problems. I work full time and am still looking for a 2nd job to supplement my income, but it's tough.