Welcome:
First addressing the elephant in the room. I have a newer account because I will only loan on burners. Lending on reddit attracts alot of spam, begging, and harassment. People who offer unrealistic terms(for example a 2500 loan for 50 a month for 50 interest, and I decline to loan) get hostile when I don't accommodate their unrealistic request. If my account age bothers anyone respectfully scroll to the next lender.
Second, I will not loan anything under 200 dollars. Typically people asking for smaller amounts never repay loans from my experience, I guess because they thinkg they aren't stealing that much. So don't ask for less.
Lastly when you message me, provide:
Amount needed, what the loan is for, location payment options. (US, Canada, Europe) No Phillipines, No Nigeria Nowhere in Asia.
I apologize if any of this sounds prejudice or strict but this is what I do to ensure i don't lose money which would keep me from lending any longer. So respectfully if you want to say something negative I ask that you block and ignore me. Best of Luck to Everyone! God Bless!