good stuff, institutions like these are what separates us from the animals

 there you go. Please pay me 1040 mana by 15 May 2025 :) 

@Fion, just asking, how do you enforce the repayments? Essentially, is there a way to ensure that people actually pay back?

 I don't really have any way to enforce it. Once or twice I have made small loans and haven't been paid back. Part of the interest rate is to protect me from the risk of this happening from time to time. 

But also, my eligibility criteria are partly a proxy for "this person cares about their reputation on manifold". E.g. I wouldn't make a loan to a brand new user or somebody who makes lots of stupid bets and loses all their mana. If somebody failed to pay me back I'd put a modest amount of effort into making others aware, so that they take an appropriate reputational hit for their transgression. 

I don't know if mods have a policy on this sort of thing. I assume they wouldn't get involved. But maybe I'd make them aware just in case they have any useful advice. 

But mostly it's just just optimism and goodwill. :) 

Hi Fion, I'm interested in taking out a loan and I wanted to provide some context first. I used to be active on Manifold under the username 

 and I previously took out loans from you, always paying them back on time. I left Manifold last April because of the pivot, but I'm back now that things seem to have returned to normal.

I'd like to continue using your loan services, if possible. I'd like to request 1000 mana at the 4% rate to be paid back a month from now.

 there you go. Please pay me back 1040 by 18th April 2025.

 there you go. Please pay me 530 mana by 13th April 2025. :)

 Yes I would accept a loan of 500 at 6% ;)

 (needless to say, if you do accept a loan from me, I'll bet in that market to try and help you get it over the line ;) )

 would you accept a M500 loan at 6%? So you'd pay back M530 in a month. 

Sorry it's not what you asked for. It's mainly due to you being relatively new to the site and being very heavily invested in one market. 

Hi, I'd like to request a large loan, most of it will be going towards 

 but I'll split some of it for myself (I don't meet the "positive profits in the past month" criteria but otherwise I'm a decent trader, I promise!). I'd like M10000 at a 4% rate, but I'm happy to accept any smaller amount at the same rate if you believe I'm a risky investment.

 just noting here (for my record keeping) that this was repaid on time 

 cool, please pay me back 2,080 by 11th April 2025 :) 

I'll probably give you larger loans in the future if you're interested. I didn't explicitly mention track record of paying back on time, but that's probably the biggest factor in deciding whether to lend. 

 I'll just take the 2000, but thanks for the offer.

Would be happy to lend you a further 3,000 at 5% if you'd like it?

I'm offering loans to trustworthy users who need a bit of short-term cash. Comment here to apply for a loan and I'll award you one as a bounty. At or before the end of the loan term, you pay me back by direct payment including interest.

In other words, take 1000 now and give me back 1050 in a month. Happy to discuss terms, such as larger or smaller loan or longer durations. For smaller loans I might increase the interest rate a bit: There's a certain amount of admin in keeping track of lots of small loans.

I may refuse you a loan for any reason, even if you meet the eligibility criteria. I may consider giving you a loan with a higher interest rate if you do not meet the eligibility criteria.

I will try to respond to your request within 24 hours. If I do not, please ping me.

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