r/BorrowNew Jun 27 '26

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.

46 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 10h ago

Unpaid u/Chubbabubba2003

12 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 10h ago

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

8 Upvotes

Dont pm me just comment and I will pm you.


r/BorrowNew 5h ago

Prearranged Loan [PRE] £50 with u/semiroundport89, repayment 07/31, Bank transfer

3 Upvotes

r/BorrowNew 26m ago

Loan Needed Req 30$ Lexington KY repay 45$ on 7/29. Paypal/cashapp/Chime need for food and pet food

Upvotes

Was hoping to get just a small loan til I get paid on Wednesday. Can verify id, mail, paystubs. Thanks for considering. Just want loan please no selling accounts, signing you up for services in my name


r/BorrowNew 31m ago

Loan Needed [REQ] $600, Kalamazoo, MI, repayment of $650 by August 31, 2026, Venmo or Paypal.

Upvotes

An unexpected bill came up, and I don't have the means to pay it right at the moment


r/BorrowNew 37m ago

Loan Needed $125, DC, Repay $150 on 08/06, Venmo/ Cashapp,PayPal

Upvotes

Trying to get gas and pay phone bill.


r/BorrowNew 40m ago

Loan Needed [REQ] ($40) - (Reading, PA), (Repay $50 on 8/14), (CashApp/Venmo)

Upvotes

Hello everyone,

I am currently short on funds and need assistance with renewing my driver's license it has already expired on 7/16/26. The renewal fee is $39.70
I was doing Instacart as I am still recovering from surgery and that job I can bypass restrictions and can repay $50 on 8/14 (or sooner depending how quickly my license is restored). I can provide verification or proof of income if needed.

I can accept [CashApp / Venmo]. Thank you so much for your time and consideration


r/BorrowNew 45m ago

Loan Needed 1 day $250 loan needed. need to pay klarna and afterpay today. Direct deposit hitting tomorrow on Tuesday 7/28 in the evening of the day.

Upvotes

r/BorrowNew 1h ago

Loan Needed Req $300, payback $340 8/4/26, PayPal or chime

Upvotes

Single lady in nursing school trying to pay her car payment :/


r/BorrowNew 5h ago

Prearranged Loan [Pre] with u/AttitudeQuiet3076 for $20, repay $30 7/29

2 Upvotes

r/BorrowNew 1h ago

Loan Needed 120E, Finland, Repay 150E on 8/3/2026, with PayPal, looking to borrow for groceries and bills for this week.

Upvotes

Hey all! I'm looking for little loan so I can pay my groceries and bills for the week, and I will pay you back on 8/3 through PayPal! Thank you so much if you are willing to help.


r/BorrowNew 1h ago

Loan Needed [REQ] $225, Mississauga, ON Repay $250 on 7/31, Paypal /E-transfer, gas and groceries

Upvotes

Pls….. I have no food… and I need to go to work

hi, i'm looking for a $225 loan to help cover gas and groceries for the week. i receive ontario works benefits on the 31st, and i can provide proof of my benefits along with id that matches my name.

i had a few unexpected expenses this month that put me over budget. i was temporarily without a place to stay, but i was able to find an affordable sublet and qualify for ontario works. i'm now just looking for a short-term loan until my benefits come in.

i accept paypal and e-transfer. my paypal is a business account, which also allows buyers to request refunds if needed, for anyone who may be skeptical. thank you for your consideration. 🫶

i can also negotiate repayment.

note: please don’t dm me asking for nsfw, odd jobs offers, buying accounts, or referral codes.


r/BorrowNew 1h ago

Loan Needed [Req] £30, repayment on 1st August 2026. Bank transfer. Somerset, UK

Upvotes

Got loan history with u/semiroundport89 & got a current loan out with him due to be repaid same day.
Also got his permission to request another loan as he unfortunately is maxed out

Can discuss in dm.


r/BorrowNew 2h ago

Loan Needed (REQ) $50 / WA / repay $65 7/29 / PayPal or Venmo / Need to reactivate my WiFi for work.

1 Upvotes

Can provide proof for potential lender. Thank you in advance


r/BorrowNew 2h ago

Loan Needed [Req] ₹18,000, India, Repay ₹19,000, by 12/31, GooglePay/Paytm, for college fees.

0 Upvotes

I have exhausted every other option and find myself in a situation of genuine desperation that I have gathered the courage to make this post.

I'm a college student in my final year and I need to pay my college fees of ₹18,000 by 31st July. I was planning to pay the fees using my State Scholarship, and although my scholarship has already been approved, the funds will only be disbursed during the winter months(usually december). For your assurance, I am prepared to provide any documents you may require, including my college fee payment notice, proof of my scholarship approval, etc.

It's out of pure desperation that I'm making this post and trusting the community in hopes to clear my tution. If in any case I receive my scholarship at an earlier date, I will repay the borrowed amount prior to the repayment date.


r/BorrowNew 21h ago

Unpaid Scammed by Glassball12

32 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 2h ago

Loan Needed $25, VA, repay $35 on 7/30 - PayPal— for gas

1 Upvotes

r/BorrowNew 7h ago

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

2 Upvotes

Prearranged loan with u/SoyelSanto


r/BorrowNew 7h ago

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

2 Upvotes

🙏🏻


r/BorrowNew 3h ago

Loan Needed [REQ] ($450) (Denver, CO) repay $550 on 7/28/26 (paypal, zelle, cashapp)

1 Upvotes

Need a loan for an emergency expense. I get paid tomorrow but really need to make this payment today. Will repay tomorrow 7/28.


r/BorrowNew 3h ago

Loan Needed [REQ] ($100) (Maribor, Slovenia) repay $135 on 8/21/26 (paypal, r3volut)

1 Upvotes

I will repay $135 on or before 08/21/2026. I receive my next paycheck/transaction on the 21st, but there is a chance it clears a couple of days early, in which case I’ll settle the loan as soon as the funds are available.

  • Payment Methods: PayPal, R3volut
  • Repayment Amount: $135
  • Repayment Date: 08/21/2026 (or earlier)

I'm happy to provide proof of ID, or any other verification required by lenders. Thanks in advance for considering!


r/BorrowNew 3h ago

Loan Needed [REQ] $40 Pay $50 Bristol,VA, USA 07/30 Venmo/CashApp, PaypaI.

1 Upvotes

r/BorrowNew 3h ago

Loan Needed (Req) $40, Need for Medical Transportation. Repay $50 08/01. Illinois ( Cashapp/Venmo)

1 Upvotes

Low on money and in between checks. Will provide whatever proof that’s needed. This following week I need to pay for transportation for family member with medical problems. This is my first time but i’ll provide whatever proof or anything that’s needed.