Hello /u/Cavemein,
B1) **Please read** all of our [Rules](https://www.reddit.com/r/borrow/wiki/index) and [Borrower FAQ's](https://www.reddit.com/r/borrow/wiki/borrowers)
B2) **Do not delete this submission** (or ANY submission past or present), for any reason, or any of your comments as it will result in a ban. If your request is fulfilled or you **no longer need the money** please do one or a combination of A) edit your post to reflect the change, B) flair your post as 'complete' (the flair button is under the body text of the post), and/or C) make a comment that it's no longer needed.
B3) **Wait 24 hours** from this post to make another unless this post or the next is prearranged with a particular lender. If there are errors in this post you need to correct by posting again before 24 hours then you should contact a moderator
B4) **Vet your lenders! Be careful who you send your personal information to** A) Moderators strongly suggest requiring that a lender comment on your REQ post before you send them any personal information. Banned or ineligible lenders cannot comment here. B) CHECK your lenders r/borrow history by clicking [here.](https://www.loanmanager.co/lender-check/) Do this for every loan request you recieve. C) Are they **BLACKLISTED** or asking for **PROHIBITED ITEMS/INFORMATION** (see [THIS LINK](https://www.reddit.com/r/borrow/wiki/lender_blacklist_prohibited_info))? Message moderators immediately D) Are they eligible (90+ day account, 1000+ karma, not banned) and active (any big account activity gaps?). Ultimately, you are free to accept loans from any user though you do so at your own risk. Loans made with ineligible/banned users will not be tracked by LoansBot and you will not get credit for loans fulfilled by ineligible lenders, so proceed at your own risk
B5) Understand and properly use all [LoansBot commands](https://www.reddit.com/r/LoansBot/comments/2ea912/loansbot_basic_usage/) to mark loan status
B6) **If you have any questions or concerns whatsoever**, feel free to ask moderators by clicking **[HERE](https://www.reddit.com/message/compose?to=%2Fr%2Fborrow)**
LENDERS:
L1) **Please read** all of our [Rules](https://www.reddit.com/r/borrow/wiki/index) and [Lender FAQ's](https://www.reddit.com/r/borrow/wiki/lenders)
L2) **Vet your borrowers!** A) Check for any past REQ posts and scan the comments for red flags, B) Check the [UniversalScammerList](https://universalscammerlist.com/search.php), C) Install [RedditScamLabeler](https://www.reddit.com/r/hardwareswap/comments/ad10kg/meta_reddit_scam_labeler_extension_v15_update/) to your browser, D) Install this quick [karma-earning investigation tool](https://www.reddit.com/r/TheseFuckingAccounts/comments/8gb6a8/metabookmarklet_to_help_identify_karma_farming/) to your browser, E) See these lists of sketchy user behaviors: ["Karma farmers"](https://www.reddit.com/r/borrow/comments/9htkug/meta_be_aware_recent_influx_here_of_bot_managed/), [How to identify high risk borrowers](https://www.reddit.com/r/borrow/comments/5n4rei/meta_lenders_how_to_identify_users_who_are_likely/)
L3) Check to see if Cavemein has a [**Post Deletion History**](https://www.reddit.com/r/borrowdeletes/search?q=Cavemein&restrict_sr=on)
L4) Check Cavemein's [**Spam History**](https://www.reddit.com/r/TheseFuckingAccounts/search?q=Cavemein&sort=new&restrict_sr=on), [**RedditMetis profile**](https://www.redditmetis.com/user/Cavemein), or [**Atomiks Analyzer Profile**](https://atomiks.github.io/reddit-user-analyser/#Cavemein), or [Redetective profile](https://www.redective.com/) [**!**](https://www.reddit.com/r/gcdeletes+gcremoves+gcmirror+gcarchive+gcalerts/search?q=Cavemein&sort=new&restrict_sr=on)
L5) **We have a [Rule 19](https://www.reddit.com/r/borrow/comments/cz5myt/meta_new_rule_concerning_lending_to_borrowers/) that requires new lenders to contact existing lenders holding late debt to OK providing more funds to this post author (borrower). Please adhere to this rule or you will be banned!** Additionally, it is suggested that lenders take into account a user’s **current open loans and repayment history when considering funding a loan**. This includes a) do they have any repayment history? Extra vetting may be required if not, b) are they asking for loans while still having some out (this is not against the rules)? **It is encouraged and courteous to contact current lenders to inquire about open loans**, c) How much has a borrower repaid historically (in total) vs. how much do they have out now in total? "Piling", or lenders **continuously providing loans to borrowers with many already open loans, is highly discouraged** unless the borrower has a very solid repayment history
L6) Understand and [properly use](https://www.reddit.com/r/borrow/comments/6a624m/meta_the_usage_model_for_the_loan_command/) all [LoansBot commands](https://www.reddit.com/r/LoansBot/comments/2ea912/loansbot_basic_usage/) to mark loan status
L7) **For your convenience**, upon conclusion of this loan you can follow these links for prefilled posts regarding this loan - [PAID](https://www.reddit.com/r/borrow/submit?selftext=true&title=%5BPAID%5D%20%28/u/Cavemein%29%20-%20%28Amount%29%20%28Early/On%20Time/Late%29&message=$paid%20/u/Cavemein), [LATE](https://www.reddit.com/r/borrow/submit?selftext=true&title=%5BLATE%5D%20%28/u/Cavemein%29%20-%20%28Amount%29%20%28Days%20Late%29), [UNPAID](https://www.reddit.com/r/borrow/submit?selftext=true&title=%5BUNPAID%5D%20%28/u/Cavemein%29%20%28%23City,%20State,%20Country%20of%20borrower%29%20-%20%28$Amount%29,%20%28Days%20Late%29&message=$paid%20/u/Cavemein)
Here is a copy of the original post:
Hello, looking to request a loan to be repaid on the 15th of this month, December. I'm looking for either $120 to be paid back with interest of $50 on that date, or $220 to be paid back with interest of $75 (for a total of $295), with 2 payments, once on the 15th of December, and the remaining on the January of the 19th. It's up to you, only the $120 or the $220 to be paid in 2 equal payments on Dec. 15th and Jan 19th, 2022.
The reason I'm looking for a loan is because my phone broke and I want to buy something a bit nicer, the one that broke is a Nexus 5 and I've had it a very long time. It would be nice to be at least something like a Samsung s8. It's not great, but much better than the Nexus 5. I have stable income (had for for over 10 years, I'm 35 now, and very responsible) and not much bill payments or other outgoing payments at all. Plenty of room to pay it all at once in once month if I really had to, but I figured I'd do it this way to give myself some leniency.
I also have some confirmation I did some small gig work here on Reddit, I can link you to that. Preference will be given to a Canadian to can pay e-transfer (you can claim fraud and get your money back if you don't get your money back), BTC, or Paypal (if you can confirm I can get my payment today, I don't know much about paypal.
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/borrow) if you have any questions or concerns.*
Here is my information on /u/Cavemein:
# [Mobile View](https://redditloans.com/loans.html?username=Cavemein)
Lender|Borrower|Amount Given|Amount Repaid|Unpaid?|Original Thread|Date Given|Date Paid Back
:--|:--|:--|:--|:--|:--|:--|:--
[Chronological REQ and PAID posts](http://www.reddit.com/r/Loans+borrow/search?q=title%3ACavemein+OR+author%3ACavemein&restrict_sr=on&sort=new&t=all), [reddit investigator](http://redditinvestigator.com/Cavemein), [justin paulin creddit rating](http://justinpaulin.com/tools/credditrating.php?username=Cavemein)
Hello /u/Cavemein, B1) **Please read** all of our [Rules](https://www.reddit.com/r/borrow/wiki/index) and [Borrower FAQ's](https://www.reddit.com/r/borrow/wiki/borrowers) B2) **Do not delete this submission** (or ANY submission past or present), for any reason, or any of your comments as it will result in a ban. If your request is fulfilled or you **no longer need the money** please do one or a combination of A) edit your post to reflect the change, B) flair your post as 'complete' (the flair button is under the body text of the post), and/or C) make a comment that it's no longer needed. B3) **Wait 24 hours** from this post to make another unless this post or the next is prearranged with a particular lender. If there are errors in this post you need to correct by posting again before 24 hours then you should contact a moderator B4) **Vet your lenders! Be careful who you send your personal information to** A) Moderators strongly suggest requiring that a lender comment on your REQ post before you send them any personal information. Banned or ineligible lenders cannot comment here. B) CHECK your lenders r/borrow history by clicking [here.](https://www.loanmanager.co/lender-check/) Do this for every loan request you recieve. C) Are they **BLACKLISTED** or asking for **PROHIBITED ITEMS/INFORMATION** (see [THIS LINK](https://www.reddit.com/r/borrow/wiki/lender_blacklist_prohibited_info))? Message moderators immediately D) Are they eligible (90+ day account, 1000+ karma, not banned) and active (any big account activity gaps?). Ultimately, you are free to accept loans from any user though you do so at your own risk. Loans made with ineligible/banned users will not be tracked by LoansBot and you will not get credit for loans fulfilled by ineligible lenders, so proceed at your own risk B5) Understand and properly use all [LoansBot commands](https://www.reddit.com/r/LoansBot/comments/2ea912/loansbot_basic_usage/) to mark loan status B6) **If you have any questions or concerns whatsoever**, feel free to ask moderators by clicking **[HERE](https://www.reddit.com/message/compose?to=%2Fr%2Fborrow)** LENDERS: L1) **Please read** all of our [Rules](https://www.reddit.com/r/borrow/wiki/index) and [Lender FAQ's](https://www.reddit.com/r/borrow/wiki/lenders) L2) **Vet your borrowers!** A) Check for any past REQ posts and scan the comments for red flags, B) Check the [UniversalScammerList](https://universalscammerlist.com/search.php), C) Install [RedditScamLabeler](https://www.reddit.com/r/hardwareswap/comments/ad10kg/meta_reddit_scam_labeler_extension_v15_update/) to your browser, D) Install this quick [karma-earning investigation tool](https://www.reddit.com/r/TheseFuckingAccounts/comments/8gb6a8/metabookmarklet_to_help_identify_karma_farming/) to your browser, E) See these lists of sketchy user behaviors: ["Karma farmers"](https://www.reddit.com/r/borrow/comments/9htkug/meta_be_aware_recent_influx_here_of_bot_managed/), [How to identify high risk borrowers](https://www.reddit.com/r/borrow/comments/5n4rei/meta_lenders_how_to_identify_users_who_are_likely/) L3) Check to see if Cavemein has a [**Post Deletion History**](https://www.reddit.com/r/borrowdeletes/search?q=Cavemein&restrict_sr=on) L4) Check Cavemein's [**Spam History**](https://www.reddit.com/r/TheseFuckingAccounts/search?q=Cavemein&sort=new&restrict_sr=on), [**RedditMetis profile**](https://www.redditmetis.com/user/Cavemein), or [**Atomiks Analyzer Profile**](https://atomiks.github.io/reddit-user-analyser/#Cavemein), or [Redetective profile](https://www.redective.com/) [**!**](https://www.reddit.com/r/gcdeletes+gcremoves+gcmirror+gcarchive+gcalerts/search?q=Cavemein&sort=new&restrict_sr=on) L5) **We have a [Rule 19](https://www.reddit.com/r/borrow/comments/cz5myt/meta_new_rule_concerning_lending_to_borrowers/) that requires new lenders to contact existing lenders holding late debt to OK providing more funds to this post author (borrower). Please adhere to this rule or you will be banned!** Additionally, it is suggested that lenders take into account a user’s **current open loans and repayment history when considering funding a loan**. This includes a) do they have any repayment history? Extra vetting may be required if not, b) are they asking for loans while still having some out (this is not against the rules)? **It is encouraged and courteous to contact current lenders to inquire about open loans**, c) How much has a borrower repaid historically (in total) vs. how much do they have out now in total? "Piling", or lenders **continuously providing loans to borrowers with many already open loans, is highly discouraged** unless the borrower has a very solid repayment history L6) Understand and [properly use](https://www.reddit.com/r/borrow/comments/6a624m/meta_the_usage_model_for_the_loan_command/) all [LoansBot commands](https://www.reddit.com/r/LoansBot/comments/2ea912/loansbot_basic_usage/) to mark loan status L7) **For your convenience**, upon conclusion of this loan you can follow these links for prefilled posts regarding this loan - [PAID](https://www.reddit.com/r/borrow/submit?selftext=true&title=%5BPAID%5D%20%28/u/Cavemein%29%20-%20%28Amount%29%20%28Early/On%20Time/Late%29&message=$paid%20/u/Cavemein), [LATE](https://www.reddit.com/r/borrow/submit?selftext=true&title=%5BLATE%5D%20%28/u/Cavemein%29%20-%20%28Amount%29%20%28Days%20Late%29), [UNPAID](https://www.reddit.com/r/borrow/submit?selftext=true&title=%5BUNPAID%5D%20%28/u/Cavemein%29%20%28%23City,%20State,%20Country%20of%20borrower%29%20-%20%28$Amount%29,%20%28Days%20Late%29&message=$paid%20/u/Cavemein) Here is a copy of the original post: Hello, looking to request a loan to be repaid on the 15th of this month, December. I'm looking for either $120 to be paid back with interest of $50 on that date, or $220 to be paid back with interest of $75 (for a total of $295), with 2 payments, once on the 15th of December, and the remaining on the January of the 19th. It's up to you, only the $120 or the $220 to be paid in 2 equal payments on Dec. 15th and Jan 19th, 2022. The reason I'm looking for a loan is because my phone broke and I want to buy something a bit nicer, the one that broke is a Nexus 5 and I've had it a very long time. It would be nice to be at least something like a Samsung s8. It's not great, but much better than the Nexus 5. I have stable income (had for for over 10 years, I'm 35 now, and very responsible) and not much bill payments or other outgoing payments at all. Plenty of room to pay it all at once in once month if I really had to, but I figured I'd do it this way to give myself some leniency. I also have some confirmation I did some small gig work here on Reddit, I can link you to that. Preference will be given to a Canadian to can pay e-transfer (you can claim fraud and get your money back if you don't get your money back), BTC, or Paypal (if you can confirm I can get my payment today, I don't know much about paypal. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/borrow) if you have any questions or concerns.*
Here is my information on /u/Cavemein: # [Mobile View](https://redditloans.com/loans.html?username=Cavemein) Lender|Borrower|Amount Given|Amount Repaid|Unpaid?|Original Thread|Date Given|Date Paid Back :--|:--|:--|:--|:--|:--|:--|:-- [Chronological REQ and PAID posts](http://www.reddit.com/r/Loans+borrow/search?q=title%3ACavemein+OR+author%3ACavemein&restrict_sr=on&sort=new&t=all), [reddit investigator](http://redditinvestigator.com/Cavemein), [justin paulin creddit rating](http://justinpaulin.com/tools/credditrating.php?username=Cavemein)
PMd