Hello u/oklahomajobless,

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Here is a copy of the original post:

Looking for a social "credit" building loan. I've borrowed/repaid several successful loans on reddit over the past year. Looking to continue building my reputation here.

Flexible amount; Looking for best or reasonable loan APR/rate. Don't need a loan/money; just building peer credit again.

Have 2 jobs totaling 50+ hours/week that I've had almost 10 months, $0 rent (I sublet rooms), and a full-time student now too.

I don't "need" a loan. Have a comfortable cash cushion and savings account, but just looking for a reasonable rate of a loan for credit building purposes. Only chose $400 since I want to gradually increase my peer "credit limit" here instead of staying at the same amount. Same with the slightly longer repayment duration than my previous monthly or less loans. Not really looking for more than $400, but open to larger/smaller loans with reasonable interest. What would work well for you? Thanks for reading.

I'm working on building my actual credit (FICOs range from 622-654) and my peer/social credit. Long-term goal is to buy a small condo in 1-2 years, and I want to have good actual FICO credit plus peer credit just in case I need to have some borrowing power to renovate a cheap condo upon purchase.

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Here is my information on u/oklahomajobless:

Mobile View

Chronological REQ and PAID posts, reddit investigator, justin paulin creddit rating

Also adding: full-time school is "free" to me with zero school debt (I got a full-ride scholarship for tuition plus books/all expenses; classes are 2 month semesters with my current semester just starting now).

Rent is "free" to me because I sublet the other rooms. Roommates I have now pay for the utilities/etc. as part of their rent, and I make a little money from their rent too.

I do have normal expenses like groceries, internet, and commuting to my local job (Uber/Lyft). Zero other expenses (no rent since I sublet the other rooms), no car loans, no student loans, and no credit card debt. Total monthly expenses for the above things is around $300.

Pming for info

$loan 400

for 480 on 18th May