I'm offering loans to trustworthy users who need a bit of short-term cash. Comment here to apply for a loan and I'll award you one as a bounty. At or before the end of the loan term, you pay me back by direct payment including interest.

Default loan:

• 1000 mana

• 1 month

• 5% interest

In other words, take 1000 now and give me back 1050 in a month. Happy to discuss terms, such as larger or smaller loan or longer durations. For smaller loans I might increase the interest rate a bit: There's a certain amount of admin in keeping track of lots of small loans.

Eligibility:

• 6 months or more on Manifold

• Positive all-time profits

• Positive profits in the past month

• History of having had 1000 mana (or whatever the size of your loan is) in your balance at some time in the past.

I may refuse you a loan for any reason, even if you meet the eligibility criteria. I may consider giving you a loan with a higher interest rate if you do not meet the eligibility criteria.

I will try to respond to your request within 24 hours. If I do not, please ping me.

Please don't take out a loan unless you're sure you can pay back on time.

If loans like this aren't allowed, let me know and I'll stop.

If any AI bullshit appears below summarising my comments, ignore it.

• Update 2025-05-20 (PST) (AI summary of creator comment): * Partial repayments may be accepted. The outstanding loan balance will be updated to reflect such payments.

  • Repayments made by a third party on behalf of the borrower can be applied to the loan, provided the creator can identify which loan the payment is for.

• Update 2025-05-24 (PST) (AI summary of creator comment): The creator may offer loans with tiered interest rates, where different portions of a single loan can have different interest rates.

  • For example, a M10,000 loan might be structured as: M5,000 at 5% interest and an additional M5,000 at 6% interest (resulting in a total repayment of M10,550).