👋 Welcome to r/Get_Loan

Welcome to Reddit's global peer-to-peer lending marketplace. This community connects people who need short-term cash assistance (Debtors) with individuals willing to lend it (Creditors).

🛑 CRITICAL WARNING:
We are a neutral venue. The moderation team does not vet users, hold funds, or enforce repayment. All transactions are AT YOUR OWN RISK.

🚨 THE GOLDEN RULE: NO UPFRONT FEES

If a lender asks you to send money first (for a "deposit," "collateral," "processing fee," or "insurance"), IT IS A SCAM.

• Legitimate lenders send money; they do not ask for it.
• Report anyone requesting upfront fees immediately. They will be banned.

👤 For Borrowers (Debtors)

1. Can I Post Here?
To protect our lenders, your account must meet these strict minimums:

• Account Age: 90+ Days
• Karma: 1,000+ Combined Karma
• History: No "Karma Farming" history.

2. How to Make a Request
You must use the following Exact Title Format or AutoMod will delete your post:
[REQ] (Amount) - (City, Country) - (Repayment Date) - (Payment Method)

3. The Process

1. Post: Create your request.
2. Verify: A lender will contact you. Be ready to share your ID and social media privately to prove you are real.
3. Update: Once funded, change your post flair to IN PROGRESS.
4. Repay: Pay back on time.
5. Finish: Ask your lender to comment $paid (or confirm) so your post flair changes to PAID. This builds your credit score for future loans!

💰 For Lenders (Creditors)

1. Comment Before DMing
You MUST comment on a request post (e.g., "PM Sent") before sending a private message.

• Why? Banned scammers cannot comment. If someone DMs you without commenting here first, ignore them.

2. DYOV (Do Your Own Vetting)

• Trust, but Verify. Never lend based on a sob story alone.
• Ask for ID, social media links, and a video call.
• Check the Universal Scammer List (USL) before sending a cent.

3. Risk Management

• Start small. Never lend huge amounts to first-time borrowers.
• If a user defaults, DO NOT DOX THEM (post personal info publicly). Report them to us via Modmail, and we will ban/blacklist them.

📜 Summary of Strict Rules

Full Rules are in the Sidebar

1. No Upfront Fees: Immediate permanent ban.
2. No Deleting Posts: Never delete a request, even if completed. It destroys transaction history.
3. No Illegal Activity: Cash loans only. No drugs/weapons/laundering.
4. No Sob Stories in Titles: Keep titles factual.
5. One Loan at a Time: No "Loan Stacking" (taking multiple loans from different people simultaneously).
6. No Extortion: Interest rates must be reasonable.

🏷️ Post Flairs Explained

• 🔴 REQ: Open request. Needs funding.
• 🟡 IN PROGRESS: Loan has been provided, awaiting repayment.
• 🟢 PAID: Loan repaid successfully. (Good History!)
• ⚫ UNPAID: Borrower defaulted/scammed. (Do not lend to them).
• ⚪ NO LONGER NEEDED: Request cancelled by user.

⚖️ Liability Disclaimer

By using r/Get_Loan, you acknowledge that the moderators are not intermediaries. We are not responsible for money lost. You lend and borrow entirely at your own risk.

Stay Safe and Build Trust!