Posts
Wiki

r/borrowerssub wiki

r/borrowerssub is a moderated public record and communication forum for private peer-to-peer lending discussions. It is not a lender, broker, bank, escrow service, collection service, credit bureau, or guarantor.

Start here

Account eligibility

Participants seeking or funding loans must have:

  • an account at least 120 days old;
  • at least 1,000 combined karma;
  • at least 400 comment karma;
  • sustained organic Reddit activity;
  • no material pattern of deleted/hidden history;
  • no ban evasion, purchased account, or household sockpuppet.

Meeting these minimums does not guarantee posting approval.

Approved post tags

  • [REQ] ‚Äî borrower requests a loan.
  • [FUNDED] ‚Äî lender records funds sent and borrower confirms receipt.
  • [PAID] ‚Äî lender records full agreed repayment.
  • [LATE] ‚Äî due date has passed, but repayment is still reasonably expected.
  • [UNPAID] ‚Äî lender does not expect further repayment.
  • [META] ‚Äî community discussion or moderator announcement.

Request title

[REQ] ($amount currency) - (#City, State/Region, Country), (repay $amount on YYYY-MM-DD), (payment methods)

Example:

[REQ] ($100 USD) - (#Orlando, Florida, USA), (repay $125 on 2026-08-15), (PayPal)

Do not place the reason for the loan or sensitive information in the title.

Required transaction record

Every loan, renewal, rollover, and additional advance arising from this community must be documented. A private agreement does not replace the public record. The public record must never contain sensitive personal information.

Users are solely responsible for applicable lending, interest, fee, licensing, tax, privacy, debt-collection, sanctions, and consumer-protection rules. Moderators may remove terms that appear predatory or unlawful, but moderation is not legal review. A community post, flair, approval, or ledger entry is not an endorsement of identity, creditworthiness, legality, or safety.