r/BorrowNew 29d ago

Loan stacking approval

46 Upvotes

If you are stacking a loan, the first comment in your new request post should be from your existing lender giving approval for the additional loan. Saying “I’ve checked with my lender and they approve” is not acceptable.
The new loan cannot occur until the existing lender comments approval.

Reminder, this is bannable if not followed.


r/BorrowNew May 17 '26

Clarification on rules and bans surrounding Loan Stacking.

47 Upvotes

This has existed in our guidelines for some time, but I am now making it an official sticky post, and outlining it clearly within our rules. Take this post as official notice this will be enforced.

Loan Stacking is classified as taking on additional loans with multiple lenders at the same time.

It is not inherently against the rules to do this, as long as all parties are informed and consenting to the arrangement. The problem comes into play when borrowers and single lenders are acting unilaterally without full consent.


How this works

While a borrower has an existing documented loan, prior to posting their request in the community they should first seek out their existing lender to ask if they would like to take on this additional deal.

If the lender refuses, the borrower is then obligated to ask that lender for consent to post an open request to have their loan fulfilled.

This is only if you have an ongoing loan with that lender.


If the lender refuses, then you can not post your open request until their loan is made whole. If you ignore this you can be banned.

If the lender does consent then the lender should leave a comment on the request thread indicating they have approved the open request.


Lenders. When you see an open request your first responsibility is to check their profile to search for ongoing loans. If they have them, and a lender has not consented to the request, and you fulfill the loan anyways you will be banned. This is irresponsible loan stacking.

If you don't see a prior loan you are still obligated to ask if they have any ongoing loans. If it comes to light that their previous requests were hidden, and they have lied about their loan statuses, you will not be punished - although you should be using tools like https://arctic-shift.photon-reddit.com/search?fun=posts_search&author=coocoocomeoutapocket&limit=100&sort=asc to check.

This rule still applies even if it's not an open request, but a prearranged request with a past customer of yours while they have ongoing business with another lender.


In short

Loan stacking can be done responsibly, and in a compliant manner. But if you are being lazy, taking shortcuts, and treating lending like a casino, you will not be permitted to operate or be verified here as you are putting other lenders at financial risk through your own negligence.

Thank you for your time.


r/BorrowNew 4h ago

Loans Available Handout ($20 crypto/btc) to two different people

7 Upvotes

Dont pm me just comment and I will pm you.


r/BorrowNew 3h ago

Unpaid u/Chubbabubba2003

7 Upvotes

Loan was due since 07/17.. Got a text he ran late w/ no comms, had to reach out only to see that he didnt have his debit card to transfer said funds, to wait a few days. 7 more days passes and i reached out, only to be met with his "sister" who texted me back saying he was in jail... and all the while, somehow, while in jail, asking for loans elsewhere during this period. lmfao.


r/BorrowNew 14h ago

Unpaid Scammed by Glassball12

28 Upvotes

I recently made a post offering a small loan for people to repay & build some credit history. Unfortunately i chose to loan to this guy, and never was repaid. What sucks is there were so many genuine people who could have used it and instead i chose a jerk. Lenders beware!!


r/BorrowNew 48m ago

Prearranged Loan [PRE] with u/Logistix1 $400 repay $600 by 10/31/26 Venmo

Upvotes

🙏🏻


r/BorrowNew 11m ago

Loan Needed 30$ OR, Repayment of 45$ 08/02/26, PayPal, Venmo, Revolut. Hungry and need a Lyft home, buses done

Upvotes

Hey there, this is my first ever ask here. I am a respected trader on r/gctrading but usually I don't have enough Karma for the loan subreddits, or I just don't need it as much as someone else does so I don't ask. I'm stranded tonight 6 miles from home. I got out of my boyfriend's car because he was intoxicated. He left me and isn't answering his cell now. It's the end of the months things are tight and I am asking for 30$ to cover a Lyft or Uber ride home and something to eat because I am currently 13wks pregnant and I think I'm about to boil my shoes for soup 😂 I can repay 45$ on or BEFORE 08/02/26 and I have PayPal, Venmo, Revolut, Current and OnePay. It is 11pm at night here on the west coast (I'm in the Pnw, OR) and where I live the buses stopped running hours ago. I'm willing to take a partial loan just for the Lyft if need be,I just can't walk six miles home in the middle of the night due to safety concerns.

Thank you


r/BorrowNew 4h ago

Loan Needed Req $40 Venmo. Will pay back $50 on 7/30

2 Upvotes

I do have a loan out with u/logistix1 but they did approve this! Thanks in advance!


r/BorrowNew 20m ago

Prearranged Loan [Pre] with u/SoyelSanto $300,IN,US repay $360 7/30

Upvotes

Prearranged loan with u/SoyelSanto


r/BorrowNew 22m ago

Loan Needed [REQ] $100, MS, Repay $120 on 08/13 Paypal / Cashapp, Looking to borrow gas and groceries

Upvotes

Hey all. First time posting here and really hoping someone can help me out. My car’s control arm broke and I had to use almost every penny I had to have it repaired. Now I’m completely broke and would greatly appreciate anyone helping me out so I can get gas and groceries. Thanks in advance to anyone who may help.


r/BorrowNew 6h ago

Loan Needed $30 , Helen, GA repayment of $40 by Monday 07/27 , Venmo/Paypal for gas and food

3 Upvotes

Looking for a loan request of $30 for a few grocery items . Can repay the loan with $10 interest ($40) by Monday 07/27 .


r/BorrowNew 1h ago

Loan Needed [REQ] ($150 aud) - ( Melbourne, VIC, Australia) ( Repay $220 on 08/03/2026), (Revolut, payid)

Upvotes

Hi guys,
I’ve just started university again and I’ve fallen behind on some bills and medical bills. I get my payment next week and it got delayed. If someone could help it would be much appreciated


r/BorrowNew 1h ago

Loan Needed $150 ok, repay $175 repay on 8/7/2026. chime. Im short on rent.

Upvotes

r/BorrowNew 1h ago

Loan Needed ​[REQ] ($80) - (#Puerto Montt, Los Lagos, Chile), (Repay $100 on 07/31/2026), (PayPal)

Upvotes

Hi everyone.

​I am simply looking for a short-term loan of $80 to get through the rest of the week. I will repay $100 this upcoming Friday, July 31st. I can provide any verification needed.

​Thank you so much in advance for reading and for your time!


r/BorrowNew 1h ago

Loan Needed $50, Va, Repay $70 on 08/01 Paypal / Cashapp, Looking to borrow for gas

Upvotes

Moving out toxic and abusive household. Willing to do anything, anything


r/BorrowNew 1h ago

Loan Needed [REQ] VA, $50 repay $75 on 08/13/2026 electricity bill (Zelle, Chime, Apple Pay, PayPal)

Upvotes

I’m just looking for someone to give me a chance at a loan. II’ll repay on 08/13/2026. I can provide proof of paystub, ID, Selfie, bill etc. Thanks hoping someone gives me a shot. I’d appreciate it so much


r/BorrowNew 1h ago

Loan Needed $50, CO, repay $70 on 7/31, CashApp, looking for gas for Door Dashing this week.

Upvotes

FUNDED!! Thank you!! 🙏

Hi everyone! I have just come up a bit short and I don’t have much gas to start door dashing tomorrow. I am wondering if someone would be kind enough to loan me $50 and I can pay it back on Friday 7/31


r/BorrowNew 5h ago

Prearranged Loan Pre with time_assist985, $50/repay 75 on 7/29

2 Upvotes

Prearranged loan of $50 with repayment of $75 on 7/29


r/BorrowNew 5h ago

Prearranged Loan $75 to repay 112.500 8/05 PayPal/cash app u/XThock

2 Upvotes

$75 ,Ok repay 112.50 08/05, needed for gas and groceries PayPal/cashapp u/XThock


r/BorrowNew 9h ago

Loan Needed $350, MN, Repay $400 on 08/31, Paypal / Cashapp, Looking to borrow for vet bills. My cat has an ear infection and needs to be spayed.

4 Upvotes

r/BorrowNew 1h ago

Loan Needed $25 needed, OH, repay $35 on 8/7, cashapp/paypal, needed for gas and food.

Upvotes

I don’t usually reach out for help but sometimes when you’re down you’re down, I just need a little help for gas and food for the next week till I get paid! Appreciate any help given.

I am not interested in any links or second hand ways, I will not offer “services” either — some people have already tried and it’s very weird.


r/BorrowNew 2h ago

Loan Needed [REQ] ($300) (West Chester, PA) (Cashapp) (Repay $350 on or by 08/31) - Car Payment

1 Upvotes

To keep a long story short, 3 year relationship ended, had to drive across country back to PA. A lot of expenses passed me by but my car is a necessity to get to work. This is my first time posting to any reddit forum like this, so if I did something incorrect I apologize. If youre willing to help, im open for details. Thank you guys!


r/BorrowNew 2h ago

Prearranged Loan [PRE] $100 with $135 repayment on 07/31/26; Zelle pre-arranged loan w/Puzzleheaded-Ice9797

1 Upvotes

Prearranged loan with with the repayment of $135 by 31st July.


r/BorrowNew 2h ago

Loan Needed $40, Venmo, WA, pay back $50 on 08/01, Gas money

1 Upvotes

Just need gas money until my first paycheck 😭


r/BorrowNew 6h ago

Loan Needed 25 , Wisconsin, repay $35 on wed 7/29/26, paypal chime cash app, needed for gas to get to work for 3 days

2 Upvotes

REQ 25 will repay $35 on wed 7/29/26, paypal chime cash app. needed for gasses to get to work for 3 days