As mentioned above you will most likely need collateral for this large of a loan. Your reputation and/or account is not worth .15
Ya I know that, but I don't have any valid collateral right now.
then why are you trying to get a loan then? Anyone considering to lend to you is not making a good decision.
My BitCoinTalk account is from 2013, But I rarely comes to forum. Now I need BTC, So I am asking to someone to give me some BTC. & The decision will goes good or bad, It can be only known by after paying me, Am I right?
To address your join date...
Activity on the forum counts. The registry date doesn't (as much, for that matter). If you were registered in 2012 or even earlier, but newbie status, as a lender they are still unable to make a judgement on whether or not you are trustworthy enough to handle a loan worth .15 BTC. Your activity and contribution to the forum is key to determine trustworthiness when you have a neutral trust rating.