Terms:
1. No collateral is required for loans. If you have valid collateral, please see the second post in this thread for better rates.
2. You must have a minimum of 25 earned merit to apply for a loan. I delete all applications that do not meet the bare minimum requirements.
3. I reserve the right to deny any loan for any reason without explanation.
4. There is a soft maximum loan term of 3 months. Please let me know if you're looking for a loan over a longer time period and we can discuss further.
5. A one time fee of 2% of the loan principal will be charged if more than a month has passed after borrower's estimated loan duration and the borrower did not inform me of the delay. This fee is charged in addition to normal interest, and no fee (besides normal interest) will apply if I am informed of the delay.
6. I may or may not leave positive/neutral trust feedback after a loan is repaid. Do not borrow from me expecting to get positive trust.
7. A signed message is required for a no collateral loan.
8. The spreadsheet with loan repayment amounts may be incorrect for whatever reason and is only meant to serve as an aid for the borrower. I try to ensure the accuracy but bugs and errors can happen. If the spreadsheet is found to be incorrect, you will be reimbursed any extra paid or be expected to make up the difference if you underpaid.
10. I reserve the right to modify these terms at any time. New terms will apply to new loans only.
hey OP
I understand at 100% that you refused the loan, and there is no problem at all with that from my side of course.
But when you propose a service, asking for conditions, and when you refuse the service even in theory the conditions are meet, it is not necessary to leave a neutral feedback.
(+ I had successfully paid Willi many times for blocks runs, and 2 weeks ago MoparMiningLLC for a 500 USD deal, I have a trade history,)
Have a great day