Why to go on exchanges if you have option here on the forum itself. Just go to lending section and there are bunch of lenders you will find. Mostly you will qualify for the given amount if it fits into criterion of lender and get the money instantly. Here you get an advantage of known lenders, feasible access to money, easy returns and easy collaterals. For exchanges the rates could be enormous and you will surely need higher collateral value before you can build trust transaction.
I support this motion, in addition to the fact that in the forum the borrowers are of high reputation, there is the option of making loans for users who do not have to give any type of collateral, this is something that is not achieved everywhere, in addition the interests are Much more friendly than those offered by an Exchange, in this case a loan from an exchange is like making a loan at a bank, but with interest that is much more difficult to pay.
Of course, everyone measures their situation and their way of managing money, as well as their ability to pay, it is only advice that we can kindly give them here, because a loan is always something that must be done with great responsibility.