OP, I think you knew our rules here but why do you still take the risk and ruin your account!
That's the problem. It's a newbie account so it doesn't matter if he ruins it or not.
I see this happening more and more. Someone opens a throwaway account and asks for a loan hoping that someone will be gullible enough to give it to them. Of course they get negative rep, but it doesn't matter because they don't intend to ever use that account again.
I sure hope that nobody is dumb enough to loan to these people because if they do, it's money down the drain.