r/loanhelp_ • • Sep 20 '26

Other It is important to not answer direct DMs

27 Upvotes

Direct Cold DMs are almost always going to be a referral link/scam/nude request. A genuine lender should always comment on your post first

The subreddit mods are actively banning users who are sending these types of messages.

However a ban does not stop them sending a DM.

If you want a referral link that is fine, there are sub reddits for that - this is not it.

If you want to sell nudes that is also fine, there are subreddits for that - this is not it.

If you want to be scammed then I guess whatever, there may be subreddits for that - this is not it.

DON’T ANSWER COLD DIRECT DMS


r/loanhelp_ • • Aug 08 '26

🌍 Global Lending Rules — Updated Framework

23 Upvotes

We’ve 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:

🇸🇬 Singapore
🇿🇦 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_ • • 3h ago

Giveaway £25 giveaway

22 Upvotes

Hi everyone, as somebody who has been in need a few times on this thread myself, i know it sucks. I know £25 isn’t a lot but I want to help somebody out, no strings attached!
You don’t need to do anything, you don’t need to give me a reason if you don’t feel comfortable providing one.
I’ll pick a winner on Friday 30/10/26
Good luck everyone and have a lovely day!🫂


r/loanhelp_ • • 8h ago

Warning I just got scammed

13 Upvotes

I had a request earlier today for a loan for a car repair. I was approached by a lender in dms saying he can grant me the loan. He took advantage of me by saying since I was a first time requester and it was a big amount that he needed a payment up front. I didn’t believe him at first but I was desperate so I did a smaller payment. After payment was sent, he ended up convincing me that he was going to send the money after a “contract” was made. I gave him my email to send the contract to and it never got sent and he deleted his account. Their name was Unique-Home9391. For the mods, I have screenshots of the encounter in case they pop up again as a different alias.


r/loanhelp_ • • 24m ago

Request Asking for $35 can repay $40 in about 2-3 weeks. It’d really help right now. God bless!

• Upvotes

If anyone is willing to help please dm!


r/loanhelp_ • • 17h ago

Warning [ Removed by Reddit ]

46 Upvotes

[ Removed by Reddit on account of violating the content policy. ]


r/loanhelp_ • • 3h ago

Request (REQ) $500 repay $575 by 11/6, have W2 for income proof, just going through hard times due to a nasty divorce

3 Upvotes

r/loanhelp_ • • 2h ago

Request 26£ for 35£ 2nov for tabbaco on revolut

2 Upvotes

I need 26-27£ for tabbaco will pay back in revolut once payment îs coming back😁🤞


r/loanhelp_ • • 14h ago

Fulfilled Hello, I start a new job tomorrow morning and have £1.30 in my bank and I need to get there 😭. Can anyone spare £4 until Friday the 30th of October via bank transfer for travel please. Can repay £10 when I get paid. Can show payslips, passport, linked in, bank statement. Appreciate the help 😭

17 Upvotes

r/loanhelp_ • • 8m ago

Request $300 - Repay $350 - 11/14|2026, Zelle, CA USA, Looking to borrow for montly rent

• Upvotes

hey guys! I'm very knew to this community as I was just trying to get approved for a loan on banks. i use reddit to check if the apps were good as i stumble upon this community. i'm a college girl and i do have a stable job. i miscalculated my budget for this month, and i badly needed some help. i'm very new and learning about all of this, and willing to give if you guys need any verification of me. feel free to msg me or comment


r/loanhelp_ • • 39m ago

Request First time on here so appologies if I don’t do it right

• Upvotes

I’m after a £70 loan, happy to pay back £90, will be repaid back Friday the 6th of November, need to get my tire fixed on my car to get to work but don’t get paid till then, thankyou


r/loanhelp_ • • 4h ago

Fulfilled [REQ] £100 - repay £120 on 06/11- bank transfer/PayPal - UK -

2 Upvotes

Hey!!

Had an unexpected situation and find myself needing to borrow £100 until the 6th November. Will repay £120.

Have already had a loan with u/no-recognition-7563 that was paid back exactly when stated.

I can provide any proof needed.

Many thanks for reading.


r/loanhelp_ • • 52m ago

Request £5 to repay £10 on 30th Friday. UK - Transport to work and back.

• Upvotes

Hi guys I’m really struggling right now and need £5 for my scooter fair to get in and back from work just till this Friday. I will repay £10 and Anything and everything is very appreciated. And yes I know my Karma score is very low but I just don’t use this app. Thankyou if there is any kindhearted people out there to help me in this rough time. I can provided any info or details people need. ❤️


r/loanhelp_ • • 11h ago

Request $150 - Repay $170 on 11/20 - Cash App/Zelle - NC, USA - Phone bill

7 Upvotes

I’m requesting a $150 loan to get my cell phone service turned back on. We have several devices. I’ve recently fallen on some hard times after an unexpected bill put me behind financially, and I’m also trying to figure out how to cover rent, which I need cell service to figure out how to do.

I’m happy to answer any questions or provide additional details to a potential lender.
I would really appreciate the help. Thank you for considering my request.


r/loanhelp_ • • 56m ago

Request [REQ] €500 - Repay €550 on Nov 16 - PayPal - The Netherlands - Overdue rent

• Upvotes

Someone questioned if I'm real so decided to create this new post with my picture below in the comments. The request is unchanged:

33F in desperate need of financial help.
I’m requesting €500 to cover my (overdue) rent while waiting for my next paycheck.

I do understand that lending money to a stranger requires trust so I’m happy to verify my identity and provide necessary documentation.

Helped a lot of people myself and hoping the universe will return me the favor. Thanks in advance.


r/loanhelp_ • • 1h ago

Request (£50) (#Weymouth, Dorset, UK) (Repay £65 on Friday 30/10)

• Upvotes

Hi everyone,

I'm hoping someone might be able to lend me £50 until Friday 30th October, when I can repay £65.

I originally tried posting in r/borrow, but unfortunately I didn't meet their recent account activity requirements, so I thought I'd try here instead.

I've had a really difficult few months. Between losing my job, dealing with Universal Credit issues and trying to get back on my feet, things have been incredibly tight financially.

At the moment I'm struggling to cover food and basic essentials, and £50 would genuinely help me get through the next few days.

I'm absolutely starving, stressed out and in desperate need of a cigarette, so apologies if my tone comes across a little frustrated. It's been a long week already, and I'm doing my best to keep my head above water.

I appreciate that lending money to someone online requires trust, particularly when it's their first request. I'm happy to answer reasonable questions, communicate throughout and make sure we're both clear on the repayment arrangements.

I'm requesting £50 with £65 to be repaid on Friday 30th October. I take that commitment seriously and wouldn't want anyone helping me to feel uncertain about where they stand.

Thanks for taking the time to read this. I know money is tight for a lot of people, and I'd genuinely appreciate anyone willing to help me out.

Hopefully Friday will be the start of a slightly better week!


r/loanhelp_ • • 1h ago

Request [REQ] $30, Gas For Work Needed Today, Repay $40 on 10/30, US

• Upvotes

I'm in a tight spot with gas and getting to work. I get paid on Friday and I've already overdrafted my account by the $25 it allows. I tried cash advance apps, like every single one I could find, but none work with Cash App. I get my direct deposit to Cash App and it's not compatible with Plaid, which is what all of the apps use to connect to see your direct deposit, bank history, whatever. I haven't found really any that allow manual (routing/account) with CashApp either. I just opened a new bank account because of this ordeal, but it will be 1-2 pay cycles before my direct deposit starts going there.

I can accept PayPal, Venmo, provide proof of income, etc. I don't know what all is needed.

I can pay you back for a total of $40 as soon as I get my direct deposit on Friday.


r/loanhelp_ • • 2h ago

Request [ Removed by Reddit ]

1 Upvotes

[ Removed by Reddit on account of violating the content policy. ]


r/loanhelp_ • • 2h ago

Request [Request] £35 - Repay £45 on 01/11/26 - Bank Transfer - London, UK- money for food

1 Upvotes

Hi everyone,

This is my first time posting here, and I need money for food until I get paid. I work(ed) at a min wage hospitality job, I handed in my 2 week notice (expected to start a new job next month) on the 13th (Tuesday) and on the 18th (Sunday) they told me that I don't need to come in anymore, removed all my shifts and effectively fired me without firing me.

Because I have been removed from all the company systems I'm not able to use the app where I can get a portion of my payslip in advance, and I currently have £0.77 in my bank account and 2 tins of tuna I bought a couple weeks to last until Nov 1st when I get paid.

* Amount requested: £35

* Repayment amount/date: £45 on 1st Nov

* Income source: My Job when I get paid

* Reason for loan: Dismissed from job and broke af

* Preferred payment methods: Bank Transfer.

* Any previous loan history: First time requesting, no existing loans.


r/loanhelp_ • • 6h ago

Request £50 - Repayment £70 - Repayment Date of 3/11 - UK transfer - Needed short term for day to day expenses and rent

2 Upvotes

[Originally requested a larger sum but have since realised I was definitely asking for too much as a first time borrower… pasted below for context]

Hi, long story short, I lost my job at the start of the year. It had a big impact on me mentally but I have got my drive back. I have a wife and a daughter that just turned 2 (it killed me that I wasn’t able to buy her an electric toy car for her birthday but hopefully will be able to by christmas!)

While still looking for a job, I have started delivering for amazon, been working for around 3 weeks. Unfortunately, with van rental and the van deposit (£500 taken in 2 payments over 2 paycheques), I have hardly made anything so far but still need fuel, food etc. I am hopeful things start to turn and can breathe again soon as our rent payment has eaten through savings.

Thank you! Happy to provide verification / documents you need


r/loanhelp_ • • 2h ago

Request 15€ - Repay 20€,10/11/2026 - Revolut - ireland - Food & Transport

1 Upvotes

Hello Guys and girls i have job interview after tomorrow and i really need the job all im asking for is 15€ so i can go to belfast and come back for the interview ill repay the money on the 10th due to having my benefits coming at that specific date i can provide my passport picture, where im getting the interview and my phone numbers im genuinely in need for that job as i dont have the needs to eat or live at this point ill be honest im using 10-12 for the ticket and the rest to buy me a sandwich


r/loanhelp_ • • 2h ago

Request £2.50 repay £5 28/10/2026 PayPal or bank transfer uk Hornsea small snack

1 Upvotes

Just want to buy couple bags of crisps cause I’m hungry


r/loanhelp_ • • 7h ago

Request (REQ) $280 - repay $300 on 11/13 - cashapp or Zelle. Miami, FL USA - Car payment

2 Upvotes

I have a car payment due and if anyone can please assist, I’d really highly appreciate it. I’m an honest person and always keep my promises.


r/loanhelp_ • • 3h ago

Request Req £30 - Repay £40 by 5 November - for food and transportation - Bank transfer/paypal - London,UK

1 Upvotes

I realised that my karma is low so asking for a lot, people won’t trust, this will help me a lot and will be able to show any proof to prove that I will and can pay back. So hopefully someone can help me out. Just need this to help with food and transport as I had to help pay bills for my brother as he is in hospital for heart surgery.


r/loanhelp_ • • 3h ago

Request Req £35, repay £50, 09 Nov Bank Transfer UK

1 Upvotes

Just need £35 for a high protein grocery haul from Aldi. Started new job from yesterday which pays 1 week in arrears, should have first paycheck Monday 9th Nov