If you want to get funded at btcjam, i would suggest working on your profile...
Personally, i only look at A+, A and A- profiles... If i know they guy/girl from the forum or real life, i might consider B+, but i would never fund a loan from somebody with a C-profile...
I know it's hard and they ask a lot of private stuff, but it does make a difference what kind of account you have i'm afraid.
They are very thorough with asking for information and in fact a rep from btcjam called me on the phone prior to my very first loan being published which I thought was great. Great for the lender because it's additional diligence and great for me because I have submitted every last detail of my private life to the site so it was reassuring to speak to someone on the phone.
Actually my loan was funded about 50% as soon as it was published I guess because of lender's "autoinvest" settings.
Perhaps I should split the loan in two - relist with a smaller amount to increase the chance of it funding before the BPI moves too much and once I have paid it back I guess it contributes to my rating for the second loan?
I've never taken out loans on btcjam, only funded them... But if i understand it correctly, paying back will raise your rating [confirmation needed]
I don't think it's the size of your loan tough... you're asking for a little over 1 BTC, which isn't a big deal for a lot of people.
Personally, i think it's the rating, and the fact that you're not going to invest the coins, but use them to pay bills while being unemployed (it's not an ideal situation from the lender's point of view)
