Unfortunately it's not a scam. I have recent proof of income from last month showing consistent trade volume if need be? Unfortunately, no collateral. Honestly, I have even better history than this. If anybody's interested let me know please! I've traded 50 - 100 in the last 2+ years, do you really think I need to scam for $400? Less be real plox =-O
Unless you have collateral, nobody is going to lend to you.
I know that it could well be a legitimate attempt to get a loan, but nobody knows that for sure. And not a lot of lenders here are naive enough to actually lend a newbie a no collateral loan of a few hundred dollars.
Understand that offsite reputation, unless something special, means nothing here.
I would kindly suggest to lock this thread since I cannot see anyone lending to you, otherwise they would have already offered their terms. Also read the stickies:
https://bitcointalk.org/index.php?topic=577765.0. If you don't, then you may be risking a neg trust here.