Run out of balance but have an opportunity you want to act on? Place a comment here asking for a loan and I will give you one if I can afford it.

In other words, take 300 now and give me 318 in one month. Very happy to give larger loans to reliable users. (Or smaller!) Largest so far is 5,000. Also open to different durations.

I'm experimenting with giving better rates to reliable users. I haven't worked out a good way to do this yet, but if you think you deserve better rates than 6%, feel free to ask, briefly presenting your evidence that you're reliable. Evidence could include:

Users who I currently see as reliable, and to whom I will offer 5% by default:

I will try to respond to your request within 36 hours (note longer timescale than usual because I'm on holiday - if I don't respond to you in this timescale please do chase me, I might have missed the notification), but my response might be a no. In general I'm less likely to offer you a loan if:

In some cases I might offer you a smaller loan than the one you ask for. The more history you have of paying back loans on time (to me or others) the more likely I am to give you a larger loan. If you have a good track record but you think I may not be aware of it, feel free to state your case.

I will pay you your loan by giving you a bounty on the comment where you request the loan. Please pay me back by managram. (I experimented with having you pay back by paying into the bounty, but it's easier for me to keep track of managrams.)

Please don't take out a loan unless you're sure you can pay back on time.