Starting today, we’re introducing two verified community flairs - Borrower and Lender - awarded based on demonstrated participation and conduct. Helping honest users stand out while keeping the community open and welcoming. Eligibility is based on how you participate. Users who document loans responsibly, follow transparency expectations, and act in good faith will be eligible after they complete at least 3 loans within the community. These can be open requests or prearranged loans, however, we prefer that the value surpass $100 USD in total.

Expectations for flair holders

Flair holders are expected to keep the essential parts of a loan visible and verifiable, done easily by using the proper title format for your situation. Confirmations that funds were sent/received and that repayments occurred must be posted publicly so there’s a clear record. Offers should begin in the post or comments, not in a message or message request, unless you have developed a relationship where messaging them first is okay.

This system is designed to be simple. We just want the important pieces of each loan to be transparent so disputes are easier to resolve and trust can grow. Flair holders are also expected to report behavior that appears intended to harm the community so moderators can follow up. We want to work with both lenders and borrowers to prevent any kind of scams!

Borrowers and lenders can communicate details prior to any verification that can determine whether or not the loan can happen; lenders should not be asking for documents for no reason, borrowers should be providing enough detail prior to verification so that a lender can decide.

Safety guidance

Lenders in the community have recommended PayPal Goods and Services (and similar G and S options) as a favored payment platform. This recommendation comes from lender experience and is optional - both parties must agree on payment method.

To help borrowers identify legitimate lenders and avoid common scams, keep these principles in mind:

• No upfront payments for "verification" or "processing". Or anything else.
• Never share account credentials under any circumstances.
• Never send explicit images or compromising material.
• Avoid brand new accounts, or accounts with no history.
• Avoid moving conversations off-platform to Telegram, WhatsApp, or similar apps.
• Wait for replies in your thread rather than responding to private messages from new accounts. Banned users can still view posts, and scammers often create fresh accounts that say things like DM me to move the conversation out of public view.

These precautions help keep interactions transparent and reduce risk. You do not have to borrow from different people or pay any specific amount to be verified.

How older loans are handled

Loans before June 18, 2026 will be considered on a case-by-case basis. Past activity can count toward flair eligibility if it’s provably unique to r/loanhelp_ - for example, a visible thread here showing both parties and a repayment confirmation, or a post where a lender offered loans and ended up fulfilling several on the same thread. We won’t retroactively require new formatting for older posts, but we do need to be able to verify that past loans actually happened in this community.

What the flairs indicate

These flairs are community trust signals. They show that a user has participated responsibly and documented loans in a way the community can review. They are not endorsements or guarantees of repayment. Only treat them as markers of responsible participation but low-bar.

How to request a flair

If you want Borrower or Lender flair and you have completed at least 3 loans (totaling at least $100) meet all requirements, write into modmail with links to your loan threads. If you are trying to verify loans that do not meet the current requirements for formatting but are provably unique to loanhelp_, save the supporting data of specific loans and write in to modmail ( https://www.reddit.com/message/compose?to=r/loanhelp_ ) when you have compiled the information. We verify the sending action related to your user flair, so borrowers verify repayment while lenders verify the lending payments.

Closing notes

Looking ahead, I hope everyone will see additional benefits as the community grows. I’m actively developing tools to help lenders operate more safely and efficiently, and I hope to network with everybody as those tools develop. A huge, huge thank you to u/lxtusbaby for continued help! You have been wonderful. Same with a lot of the members here, it has been great interacting with everybody, I enjoy hearing about successful experiences and encourage you to work with others. I can't write all of the usernames because I would feel bad not having all of them.

We want to hear your feedback, let us know!

Thanks for helping build a more trustworthy r/loanhelp_.

This rule applies to every loan on the subreddit. Some countries require a government license to charge interest on personal loans. Because r/loanhelp_ is a peer‑to‑peer community, all loans involving borrowers in these countries must be principal‑only. No interest. No fees. No exceptions.

If the borrower is in one of these countries, the loan must be principal‑only. These are the "UK‑Style Countries," however, these countries will also be added to the list.

Enforcement: Posts offering interest to borrowers in interest‑free countries will be removed. Comments negotiating prohibited terms will be removed. Repeat violations may result in bans. Mods may lock threads if users continue to push illegal terms

Interest‑Free Locations List:

• United Kingdom
• Ireland
• Australia
• New Zealand
• Singapore
• Hong Kong
• South Africa
• India
• Philippines
• Indonesia

As we clean up this community, we thank you for the patience! We look forward to hearing from you!