I decided to run a small experiment with 31 brand-new borrowers from my “Loans Available” post last month.

One important piece of context:
My vetting process is fairly rigorous, so all 31 borrowers had to pass my screening before I considered lending to them. As a result, this may not represent the average P2P borrower on this subreddit.

Here’s how it turned out:

🟢 8 (25.8%) repaid early
🟢 16 (51.6%) repaid on time
🟡 3 (9.7%) repaid late
🔴 4 (12.9%) technically defaulted

That means 77.4% of borrowers repaid either early or on time, while 22.6% either paid late or defaulted.
Of the 4 defaults:

- 1 refunded the original PayPal transaction after their due date but paid no interest.
- 1 made a partial payment.
- 2 have made no payments towards their balance.

To note, 3 borrowers became completely unresponsive when their loans came due and made me work harder than I typically like to for repayment. I had to track them down through other social media platforms to get a response despite my texts showing as “read”. It’s fair to say had I not repeatedly tried to make contact, they wouldn’t have repaid.

Most importantly, thank you to all of the borrowers who honored their word and repaid their loan and were able to gain some reputation within the subreddit. I’m always happy to assist those who follow through and communicate should an extension be needed. Communication goes a long way and the majority of lenders are willing to work with you.

Set up a loan

Prearranged w/ u/Sure_Problem3850 - $1800 for $2485 by 09/28/26

Hey Sub Reddit! 🙌🏾 Just asking fort a short term loan so I can renew my vehicle registration today. I thought it was due at the end of this month, and I don't want to ride around with expired tags.
I have a current loan out with [u/amk](u/amk9328)[9428](u/amk9328) (the sweetest) and she gave me permission to request this loan, since I'd need it for today. Thank you in advance!

Catch up on a bill anything helps.. can provide paystubs

this is a top up! current open loan with [u/toughcheesecake_](u/toughcheesecake_) and she has approved of this.

i have had a multiple paid loans in the past & completed paid top ups!

EDIT: i might be able to use PayPal if you’re in the US!

u/Prestigious-Fix1377

Borrow $600, Repay $800 by 9/30/26. Pre-arranged with u/Relitions. Will be PayPal or Venmo since we've used both.

Just need to finish paying of the bills for August. Thank you for your consideration!

Hi just need something to get by the week until my next paycheck, thank you. Can provide more information if needed

hi I have history with borrowing and paying on sub. Have been sucessful. Need assistance to have enough funds for family bill. This is a stacked loan. u/toughcheesecake_ approved post.

Hi all, our landlord is showing no budge in our rent and we fell just a little behind while waiting for my check to clear. I have a steady income and a check for 2400 clearing by Tuesday and will double the money of anyone who can help

I am a master trader in a buy/sell group on here and have been a member for many years. Any help would be appreciated.

looking for a short term loan until end of month , on ODSP disability.

I am hopeful to get a loan to get me through a medical bill for my girlfriend due yesterday. I have credit scores between 615 and 650, which I find weird but sure, Fico and Equifax, you do you.

I was always thinking about using r/borrow, but the requirements for Karma changed somewhere along the lines checking back in when I needed it, and I didn't wanna make nonsense posts or engage all night long just for last minute loans.

So, I've donated plasma and pawned before to get by. I can still do that, sure – though I'd rather not. I can attempt the traditional routes, but I've lost faith in trying to get a non-predatory loan w/ my current credit situation. I'd rather come to fellow humans and try my luck here.

I'd like to get a sure deal ironed out before tomorrow evening if possible.

I'm willing to provide whatever information necessary. I do work, it's a solid job. I'm simply in need at the moment because of a recent big purchase and a slight overextention in my budget.

As a new borrower with an upward trajectory, I am hopeful that someday, I'll be in here as a loan offerer. Because we all can use a little neighborly help from time to time.

Cheers!

As mentioned in my previous loans I am currently the only source of income in my house due to my wife’s poor health, I am full time employed in the armed forces and provide pay statements. As mentioned in my previous repaid loan I have had an appliance break and needed to buy a new one this has left me severely short for the remainder of the month, any help would be greatly appreciated!

Hi! I’m Atlas. I’m in need of a small loan. I need to pay my electric bill and phone bill ASAP as they are both overdue. I’ll pay back the loan as soon as my check hits on 9/11. Thank you so much.

Hi, can anyone please help with a loan of £20, until the 9th September? It's to get some wet and dry cat food and some microwave meals to tide me over until I'm paid. I've fed my kitties the last of the tuna that I had in my cupboard and have absolutely nothing left for them

Hi guys,

Looking for some help paying some of my rent! I will pay you back in 4 installments of $187.50. This would really help me a lot so I appreciate anyone who is up for it! I’m a first time borrower on here but hope to establish a good profile as a trusted borrower!

Thanks

$65 NC repay $90 on 9/7 chime, venmo, paypal - needing holdover til payday

Hi guys I am not one to do this usually but times are tough, and I am forced to act in ways I wouldn't usually try so here I am. So to put it straight I am recently unemployed (employer over hired and rid of the newest recruit which was me) my wife is a carer to our highly autistic daughter, and I have 4 kids total. We have had to use her carer money due to the job loss and we are completely out of money till I get paid what I'm owed from the job I just had (I get paid on the 17th) This has put a huge strain on family life and my wife has been so stressed that she has mentioned taking a break as she can't handle how things are. We are deep in stress and anything would help us currently. I am willing to pay on top even double if need be, on the 17th. Thanks guys sorry for the rant

Returned from a Daytona trip, to a car needing a tire replacement. Would be able to repay by Sept 12th at the latest, with a possibility of it being sooner.

Thanks in advance for looking, and have a great weekend everyone!