I don't understand why the lending area exists at all. Its prime purpose seems to be for senior members to sneer at the cognitively suboptimal attempts by nobodies to con them.
There are appear to be virtually no successful loans, just an endless cycle of insults and impotent scam attempts.
Not to mention those loan applications from mostly Newbies and Jr Members where they're not actually planning on giving any collateral at all. Nooope; not an obvious scam at all. These loans should be locked to members or full members and up only to lessen the too-obvious scam attempts.
A perfect example:
Loan Amount: 0.01 BTC
Loan Purpose: Private
Loan Repay Amount: 0.011
Loan Repay Date: 20/01/2019
Type of Collateral: none
Bitcoin Address: Will provide the address if approved.
Nope. Totally legitimate loan. Not a scam at all.