I have been a member for 6 months, I have connected every social account asked and sent in all required I.D about a month ago, after 5 emails explaing different problems and asking for help I got the same repeated reply to connect more accounts to get verified quicker. After my friend gave me a referral I has finally giving a rating (D-) when I apply for my loan the max is 0.7 btc for 30 days interest is 130% and 60days is 80% in two payments. Both = paying over 1.7 back. This seems a bit silly as surely anyone needing to apply for 0.7 would not have the extra 1Btc back. I'm looking for anyone who has had a similar experience or can tell me where I'm going wrong, thanka.
If you have valid collateral (like altcoins, or bitcointalk high rank account) you can ask for a lending in the Lending section of this forum, its much better than Btc Jam but you need to provide valid collateral as the number one rule here is "No collateral, no loan". Give it a try , if you have valid collateral there will be a lot of people willing to fulfill your loan and with better interest than that of Btc Jam.