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Two percent of respondents said they would take out a payday loan.To avoid this suite of unattractive choices, some borrowers are asking strangers for money on Reddit instead. if you love it, come back and kick in later when you have the money. to download all of my music EVER (that i am able to make available for free), head here! If you want to understand what this means, google Creative Commons.No contracts are signed, no collateral is requested, and no credit reports are pulled.Any Reddit user with an account three months old and a modest posting history is considered more or less eligible for a loan.Lenders and borrowers alike are fond of the way that r/borrow takes lending out of a cold, institutional paradigm.

When Americans need money, they often turn first to banks for a loan, but their options there are only as good as their credit.

“I ate the debt.” No longer able to get student loans, O’Dell was forced to drop out of college.

When O’Dell later needed some cash to pay his cellphone bill after his wife lost her job, he briefly considered a payday loan—an extremely high-interest alternative that is known to catch consumers in cycles of debt and is mostly unregulated in 32 states.

As the loan was negotiated, commenters harangued the requester for not choosing more budget-friendly meals.

Still, the loan was funded.)A small group of r/borrow lenders make a majority of the page’s loans, and often earn significant profits.


  1. May 9, 2016. Ask Reddit. A subsection of the link-sharing site is helping borrowers with bad credit get emergency loans. Jeff Keacher / Flickr / nimon / Shutterstock / Zak Bickel / The. Most told the Fed they would try for a bank loan, use a credit card, or make a potentially embarrassing request to family and friends.

  2. Nov 15, 2012. This was due largely to how little data they actually needed to protect. Our passwords were limited to a handful of applications an ISP for email and maybe an ecommerce site or two. Because almost no personal information was in the cloud—the cloud was barely a wisp at that point—there was little payoff.

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