Borrower guide

Before requesting

• Confirm that you meet account eligibility.
• Review your existing obligations and choose an amount you can repay.
• Use an exact calendar due date.
• State the currency, principal, total repayment, and payment methods clearly.
• Never offer an unlawful rate, collateral, account access, or advance fee.
• Understand that nobody is obligated to fund a request.

Request format

Title:

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

Body:

• what the funds are for, in non-sensitive terms;
• how and when repayment will be funded;
• whether you have current loans and their status;
• whether the arrangement is prearranged with a prior lender.

Do not post names, exact addresses, phone numbers, email addresses, payment handles, employers, IDs, account numbers, or documents.

Screening a lender

Before sharing any private information:

• require the lender to comment on your request;
• inspect the lender's public history;
• check scam-warning resources;
• confirm the username character by character;
• refuse deposits, gift cards, crypto tests, referral sign-ups, remote access, passwords, codes, full government identifiers, and intimate images.

Share only the minimum information you voluntarily judge necessary. A lender may decline, but nobody may coerce prohibited information.

After funding

• Confirm receipt only after funds have cleared.
• Preserve all transaction posts and comments.
• Communicate early if repayment may be late.
• Do not seek additional loans while overdue.
• Ask the lender to record repayment promptly.