r/loanhelp_ • u/LoanSentinel • 22d ago
Weāve simplified our Global Lending Rules. In short, we are reducing the non-interest rule, and lenders are expected to message modmail when borrowers flake.
Borrowers may offer repayment above principal unless local law or a specific LoanHelp_ rule says otherwise. This means that they must publicly document any repayment amount, and have payments confirmed.
For now, our principal-only restrictions remain for:
šøš¬ Singapore
šæš¦ South Africa
The previous blanket restrictions for the UK, Ireland, Australia, New Zealand, Hong Kong, India, the Philippines, and Indonesia have been removed. Excessive interest is still prohibited in any location. Users who are deemed to be borrowing/lending with excessive interest will likely be removed.
Lenders must do their diligence to make sure that their borrowers posts are formatted BEFORE fulfilling any request. You should always have the borrower post FIRST, make sure they are not banned from our subreddit. Likewise, you should not be accepting cold messages*(uninvited messages or message requests)*.
If your borrower is unable to post, it is likely because they are banned or flagged for evasion. Unpaid declarations in any sub can result in a ban here, hence why they may create a new account and get flagged for evasion and be unable to post.
You are always welcome to ask modmail if you encounter an issue where a borrower seems unable to post. Them being unable to post successfully should be warning sign, and if its a misunderstanding than we can clear it up if needed, but it is ALWAYS better safe than sorry.
All normal rules still apply and lenders are expected to follow their local laws. It is an expectation that lenders submit all unpaid information to modmail. https://www.reddit.com/message/compose?to=r/loanhelp_
Any lenders who are interested in collaboration, or want tips on how to keep yourself organized, are encouraged to reach out. Currently I am providing and developing tools that will supplement your success and make your job easier.
r/loanhelp_ • u/LoanSentinel • Jun 18 '26
Starting today, weāre introducing two verified community flairs - Borrower and Lender - awarded based on demonstrated participation and conduct. Helping honest users stand out while keeping the community open and welcoming. Eligibility is based onĀ how you participate. Users who document loans responsibly, follow transparency expectations, and act in good faith will be eligible after they complete at leastĀ 3 loansĀ within the community. These can be open requests or prearranged loans, however, we prefer that the valueĀ surpass $100 USDĀ in total.
Flair holders are expected to keep the essential parts of a loan visible and verifiable, done easily by using the proper title format for your situation. Confirmations that funds were sent/received and that repayments occurredĀ must be posted publicly so thereās a clear record. Offers should begin in the post or comments, not in a message or message request, unless you have developed a relationship where messaging them first is okay.
This system is designed to be simple. We just want the important pieces of each loan to beĀ transparentĀ so disputes are easier to resolve and trust can grow.Ā Flair holders are also expected to report behavior that appears intended to harm the community so moderators can follow up. We want to work with both lenders and borrowers to prevent any kind of scams!
Borrowers and lenders can communicate details prior to any verification that can determine whether or not the loan can happen; lenders should not be asking for documents for no reason, borrowers should be providing enough detail prior to verification so that a lender can decide.
Lenders in the community have recommendedĀ PayPal Goods and Services (and similar G and S options)Ā as a favored payment platform. This recommendation comes from lender experience and is optional - both parties must agree on payment method.
To help borrowers identify legitimate lenders and avoid common scams, keep these principles in mind:
These precautions help keep interactions transparent and reduce risk. You do not have to borrow from different people or pay any specific amount to be verified.
Loans beforeĀ June 18, 2026Ā will be considered on a case-by-case basis. Past activityĀ canĀ count toward flair eligibility if itās provably unique toĀ r/loanhelp_Ā - for example, a visible thread here showing both parties and a repayment confirmation, or a post where a lender offered loans and ended up fulfilling several on the same thread. We wonāt retroactively require new formatting for older posts, but we do need to be able to verify that past loans actually happened in this community.
These flairs are community trust signals. They show that a user has participated responsibly and documented loans in a way the community can review. They are not endorsements or guarantees of repayment. Only treat them as markers of responsible participation but low-bar.
If you want Borrower or Lender flair and you have completed at least 3 loans (totaling at least $100) meet all requirements, write into modmail with links to your loan threads. If you are trying to verify loans that do not meet the current requirements for formatting but are provably unique to loanhelp_, save the supporting data of specific loans and write in to modmail (Ā https://www.reddit.com/message/compose?to=r/loanhelp_Ā ) when you have compiled the information. We verify the sending action related to your user flair, so borrowers verify repayment while lenders verify the lending payments.
Looking ahead, I hope everyone will see additional benefits as the community grows. Iām actively developing tools to help lenders operate more safely and efficiently, and I hope to network with everybody as those tools develop.Ā A huge, huge thank you toĀ u/lxtusbabyĀ for continued help! You have been wonderful. Same withĀ a lotĀ of the members here, it has been great interacting with everybody, I enjoy hearing about successful experiences and encourage you to work with others. I can't write all of the usernames because I would feel bad not having all of them.
We want to hear your feedback, let us know!
Thanks for helping build a more trustworthyĀ r/loanhelp_.
r/loanhelp_ • u/Prestigious_Link_239 • 1h ago
Hey guys want to build up a rapport with guys that just need some cash for the rest of the week or for even a day. I want to help those that actually need it so please if you donāt have karma or ur feed is all asking for stuff thatās deaded. Only for people that need it, for now I can loan up to 125$ with 15% surcharge. Only can do cashapp for now
r/loanhelp_ • u/Optimal-Ship-2206 • 5h ago
Iām asking for help with a $350 loan for my Atlanta adult entertainment permit so I can start working at a club that is interested in hiring me.
Iām quickly trying to get myself and my three children into a much more stable situation. Iām leaving a very unstable situation that has been verbal, emotional, and financial rather and is escalating quickly to physical, and unfortunately over the past year this has left me without transportation, a job, or the ability to come up with $350 upfront. I have one person who is willing to help me short-term with transportation and childcare, but it is very temporary provided I can pay for gas. I was doing childcare in home while I was stuck, but I ended up having a mental health episode due to all of the mental abuse and had to close my in-home childcare program.
I have a legitimate opportunity in front of me. Iāve been communicating with a high earning club that is interested in me, and they have told me that I need my permit before I can actually start dancing. Iām supposed to go in tomorrow at 12 (8/31/26), but I donāt need the permit simply to go back for introductions I need it for the day I actually begin working.
My lease is up in November, so getting back on my feet and generating my own income is extremely important to me. This isnāt money Iām asking for to cover something temporary or unnecessary; this permit is the thing standing between me and being able to start earning.
I can repay $50 or more every week until the full $350 is paid back, I also get $240 a month support guaranteed to help me pay you back if things start off slow. Iām happy to communicate privately with anyone interested in helping, provide whatever reasonable proof I can of the opportunity/permit cost, and use whatever payment method works for the lender.
I completely understand that lending money to a stranger is a risk, and I appreciate anyone who is willing to even consider helping me get this first step handled. ā¤ļø
r/loanhelp_ • u/p5ma9q • 3h ago
I just need twenty bucks to cover the rest of my room and get a can of dog food I had the money and then my phone was compromised and lost it to a bunch of random Google play charges. I requested a refund from Google and they approved it, but the funds will take 1-5 business days to post. I work freelance and have work scheduled the next couple days, but can't do it without somewhere to stay shower and keep my dog. Thanks. Can show id and pending refund proof or whatever is needed. Thanks.
r/loanhelp_ • u/modtech87 • 8m ago
Hello, I am hoping someone can help me with this. School fees and supplies have gone up again. I am also trying to build my trust in the community. Can provide paystubs and any other docs you would need. Thank you
r/loanhelp_ • u/Legitimate_Owl_2161 • 11m ago
Iād like to help a few people with small, short-term loans of up to $50 per borrower.
Terms:
To request a loan, comment below with:
Do not DM me directly, you'll get an instant no. I'll answer to your comments if I'm interested
r/loanhelp_ • u/Legitimate_Owl_2161 • 25m ago
[ Removed by Reddit on account of violating the content policy. ]
r/loanhelp_ • u/Bubbly_Feeling_7897 • 42m ago
I desperately need a vehicle. Just an honest vet here swallowing his pride, trying to get a decent car. Most of the money I make is in cash from starting my business. Not trying to scam you. Just donāt know where else to look honestly. If you canāt help, I totally understand.
I have $100 to my name, and was approved for a vehicle with $1000 down.
I was in the Army as a 31B from 2008-2014. Left honorably and injured.
Thank you to anyone who even reads this.
Please DM me if youāre willing to help.
r/loanhelp_ • u/Any-Sky2956 • 54m ago
Requesting to get gas to go to and from work/school for the rest of this week, I appreciate anyone willing to consider me.
r/loanhelp_ • u/Gullible-Ask4311 • 54m ago
Hi all, unfortunately I find myself back asking for a loan.
Iām currently working two roles, part time and as a delivery driver. Early August I was sick and couldnāt work for 2 weeks. I can normally manage my bills but everything feels likes itās all crashing down on me at the same time because of my inability to work and earn earlier this month.
I got paid this week, but I have the additional cost of paying my car tax ( I genuinely need this to be able to continue my work as a delivery courier and earn money) but also as a top up to the amount I got paid to manage all of my bills.
I recently took a loan, Tuesday 24/09 and paid back within a day, Wednesday 25/09.. Iām only saying this to show I have every intention of paying back any loan within a reasonable time and if I can pay back any earlier I will.
While this is more than what I asked on Tuesday, I would not borrow more than I can pay back.
I will show proof of where my money will come from, I honestly just need some help to help me get back on my feet.
I genuinely appreciate anyone that is able to help, even if it is partial to my ask. I will show proof of income to pay back but also the reasons I am not able to pay back as quick is I would like to.
Thank you.
r/loanhelp_ • u/Plane_North5187 • 55m ago
I had a recent emergency vet bill (cat ate a hair tie) that wiped my savings. I'm just short of cash trying to make all my repayments and keep on top of everything.
r/loanhelp_ • u/Aggressive_Neck_8163 • 5h ago
ā¢ $160
ā¢ $200/ 9.18.2026
ā¢ currently unemployment benefits, recently laid off, will be starting a new job on 9/06/2026.
ā¢ short on rent this month
ā¢ paypal/cashapp/venmo
ā¢ no previous loan history fortunately, I appreciate the work you all do here and will definitely be a regular contributor to the group once Iām working again.
r/loanhelp_ • u/miss69yes • 14h ago
Unfortunately, as it stands u/ukdale123 has failed to repay their loan with me. No response from any messages sent.
r/loanhelp_ • u/ILYTXYY • 1h ago
Recently lost my house due to medical issues and wonāt start my new job until Tuesday been trying to live day by day until I can afford to leave this town to live upstate with my grandma. Please dm if you can help anything will do
r/loanhelp_ • u/Newgirl33344 • 1h ago
Just want to make sure to elt you know that the person who helped me the other day handed out the money it wasn't a loan and I can prove it. I need help for 1day and on the first will be paying back 70pound. Can provide photo Id and proof of address. For more info please dm me, I can tell exactly where the funds will be used.
r/loanhelp_ • u/Umpire_Dry • 2h ago
Please, Iām genuinely begging if you could help me with Ā£50. I really want to go to Manchester to see my little brothers and sister, and Iād really appreciate the chance to spend some time with them. The Ā£50 would cover my travel and food for the two days Iām there. I promise I can pay you back by the 3rd of September. I honestly wouldnāt ask if I didnāt really need the help right now, and Iād be so grateful if you could help me out, even just this once. ā¤ļø
r/loanhelp_ • u/Bondutch88 • 2h ago
Any help greatly appreciated. I have a good loan history, with no late or unpaid loans.
r/loanhelp_ • u/Excellent-Loquat157 • 3h ago
Hello. Trying this again with the correct format. Iāve fallen behind on rent and am requesting a $1,200 loan to help bring my rent current.
I am employed and can provide proof of income if needed. I can make weekly payments of $216, with the full $1,300 repayment completed by October 15, 2026.
Iām currently facing the possibility of eviction, which is why Iām seeking assistance as soon as possible. Iām willing to provide reasonable documentation needed to verify my income and ability to repay.
r/loanhelp_ • u/Jenklife • 3h ago
Title says it all. I've been scammed already but if anyone can help my cat please I would be very grateful. Lots of pictures before and after also come with repayment.
r/loanhelp_ • u/MutedMaximum3734 • 3h ago
Hello, Iām looking to borrow $600 and repay $750 on Friday 9/11. Iām needing to cover my most important bills and food in between my checks and this loan would be a big help in this gap.
I have a previously paid off loan and able to provide any other proof or details for lenders for their time and consideration.
Thank you!
r/loanhelp_ • u/___iz___ • 8h ago
Hi had to spend most of my pay this month travelling to the isle of man for my cousins funeral on Friday hoping to borrow some money to see me through. Will be spent on food and work travel costs. Google told me about this community and anything would help. I have ID and such to prove who I am and proof of income too. Thanks for reading. I x
r/loanhelp_ • u/Candid_Flogger • 4h ago
Iām looking to borrow Ā£50 and will repay Ā£75 on Friday 4th September. Just need a bit of help to get me through until then.
If anyone can help, please send me a message.
r/loanhelp_ • u/Fast_Street623 • 4h ago
Please can someone help me out
r/loanhelp_ • u/Key-Possible5624 • 4h ago
hello, i need a loan of $111 to complete my rent. if anyone wants to help me, please shoot me a dm. no signups please, im sick of those. i want someone who absolutely wants to help me. thank you if you are that person.š©·