[LIST] Bitcointalk's Lending Services [LIST]

[BitcoinSupremo]

Nice table, I can try to make a database for you in MS Access for free if you like and if I can do it, so you will have no problems. I can write queries to make the database easier to find what you want. Know that it has been sometime I haven't worked in access as I have been working on my Cisco,CompTIA and Microsoft certifications but I think I can do something good if I can.Cheers.

[DireWolfM14]

Thanks for the offer.  I have all the info in an excel table that's pretty easy to manage.  I also created a spreadsheet that writes the BB code for the table so I can just copy and paste when an updates are needed.  I use Access everyday, and to be honest I prefer to avoid it as often as possible.

[BitcoinSupremo]

Thanks for the offer.  I have all the info in an excel table that's pretty easy to manage.  I also created a spreadsheet that writes the BB code for the table so I can just copy and paste when an updates are needed.  I use Access everyday, and to be honest I prefer to avoid it as often as possible.

👍

[DireWolfM14]

ChrisPop changed his terms, and so I've updated the OP.

[DarkStar_]

I've 'rebranded' and now offer no collateral loans again. These are my rates for no collateral loans:

Interest:
The below interest rates are daily rates, and interest is calculated as simple interest. The minimum interest is 1 mBTC (0.001BTC), and there is a fixed fee of 0.1 mBTC (0.0001BTC) to cover my transaction fees. The fixed fee is included in the minimum interest. Additionally, I offer lower rates for loyalty. If you qualify for a loyalty tier, I will let you know. There is no fixed criteria for loyalty.

|	Borrower Status	|	Interest Rate	|
|	Base	|	0.333% Daily (9.99% monthly)	|
|	Loyalty 1	|	0.284% Daily (8.52% monthly)	|
|	Loyalty 2	|	0.234% Daily (7.02% monthly)	|

Have you considered putting a standardized lowest rate (perhaps in monthly/daily interest rate)? It would make it easier to compare.

[DireWolfM14]

I've 'rebranded' and now offer no collateral loans again. These are my rates for no collateral loans:
~

Alright!  The lending leader, DarkStar_ is now offering no-collateral loans.
I've updated the table in the OP to reflect the change in policy.

Have you considered putting a standardized lowest rate (perhaps in monthly/daily interest rate)? It would make it easier to compare.

That's how I had the table set up initially, but some one suggested listing the interest rates the way the lenders described them in their respective threads.  I can add another column with a standardized interest rates.  Maybe I'll shrink the thread titles to something standardized as well, just to keep the table compact.


ETA: I made some changes to the table in the OP.  Please don't hesitate to make a suggestion.

[feryjhie]

i saw recently there are a few lenders that got banned and their service comes to pause, so i think it will be good if you add that in the list?

[jbdee]

Hi,
I just added my lending service topic:
https://bitcointalk.org/index.php?topic=5146331.0

If you can add it to the list please 

[DireWolfM14]

Hi,
I just added my lending service topic:
https://bitcointalk.org/index.php?topic=5146331.0

If you can add it to the list please 

No thank you. 

Before you read this:

If you would like to be included in this list please create a lending thread, include some terms and conditions of your services, and post a link to that thread here

You must have read this:

I will not include Newbies...

You must understand, there are a lot of would-be collateral scams by so-called "lenders" attempting to take advantage of a borrower.  Almost always those attempts are carried out by newbie accounts.  I will not facilitate the promotion of such attempts. 

Furthermore, this is my thread, my list, my rules.  I am under no obligation to add anyone.  So, sorry jbdee, the answer is no.  I will add you to the list once you've ranked up to member and haven't provided a compelling reason not to add you.

[jbdee]

No problem, your rules.
But you should not say this to me:

You must understand, there are a lot of would-be collateral scams by so-called "lenders" attempting to take advantage of a borrower.  Almost always those attempts are carried out by newbie accounts.  I will not facilitate the promotion of such attempts.

Because I'm accepting Escrow services, and my thread is not sketchy.
Do not compare me to those scammers, my account status is "newbie" but I'm not new here, and also I have another account from 2014 (but it has been desactivated because of the Bitcointalk hack in 2015, I'm trying to get it back).
Anyway, I'll be more active to get my member status and match your conditions

[DireWolfM14]

But you should not say this to me:

It wasn't an accusation against you, please don't take it that way.  It was an explanation of the reasons behind my decision.  I noticed that you are accepting of escrow for your collateral, that's commendable. 

Best of luck with your venture.

[jbdee]

You are mistaken about the interest rate of some lenders, right?

[jbdee]

You are mistaken about the interest rate of some lenders, right?

I don't think so, please explain. 

By example:
Csmiami says in his thread "Interest rate will be personal, since lately I'm using one for each loan", and in his loans history, you can check the rate, it is not 0.05% per day.

DireWolfM14 offers 0.10%/day only if you already took at loan at 0.13%/day or more, it is ambiguous, but I guess you are writing the lowest rate of the lender's thread, else you would have to write all the rates and it'll give you headaches.

ChrisPop, you set his highest rate in your thread, but he has also 0.75% for 2 days, which is lower than 3% for 7 days.

[DireWolfM14]

By example:
Csmiami says in his thread "Interest rate will be personal, since lately I'm using one for each loan", and in his loans history, you can check the rate, it is not 0.05% per day.

Yep.  I removed his rate since it's variable.  There are other members who leave it up to the borrower for religious reasons, so I leave theirs blank.  

DireWolfM14 offers 0.10%/day only if you already took at loan at 0.13%/day or more, it is ambiguous, but I guess you are writing the lowest rate of the lender's thread, else you would have to write all the rates and it'll give you headaches.

I think you mean DarkStar_, but yes the lowest possible interest rate is all I care to "advertise."

ChrisPop, you set his highest rate in your thread, but he has also 0.75% for 2 days, which is lower than 3% for 7 days.

Yep, right again.  Revised.

[DarkStar_]

By example:
Csmiami says in his thread "Interest rate will be personal, since lately I'm using one for each loan", and in his loans history, you can check the rate, it is not 0.05% per day.

Yep.  I removed his rate since it's variable.  There are other members who leave it up to the borrower for religious reasons, so I leave theirs blank.  

It still seems to be there.
Side note: Is 0.05%/daily still an option from Csmiami? I'm claiming the lowest rate at the moment but if it's publicly offered by him for specific loan requests, I'll edit my thread title.

[DireWolfM14]

It still seems to be there.

Fixed, thanks.

[jbdee]

DireWolfM14, yes I meant DarkStar_, wrong copy/paste  

DarkStar_, Csmiami doesn't seem to offer 0.05%, in fact I didn't see any of his loan with that rate.
So, except for the one offering 0% loan, you have the lowest rate, I'll have to lower my rate then  

Edit: Or you'll have to increase yours 

[jbdee]

I updated my rates and some conditions/rules, also added FIAT currencies:
https://bitcointalk.org/index.php?topic=5146331

I match the lowest rate now!

[DireWolfM14]

I updated my rates and some conditions/rules, also added FIAT currencies:
https://bitcointalk.org/index.php?topic=5146331

I match the lowest rate now!

The lending board used be such a friendly place, where lenders respected one another and all was just and fair in Bitcoinlandia.  Then the neophyte challenged the lending legend by advertising a rate so low the internet broke.  And so begin the Rate Wars.

[jbdee]

I updated my rates and some conditions/rules, also added FIAT currencies:
https://bitcointalk.org/index.php?topic=5146331

I match the lowest rate now!

The lending board used be such a friendly place, where lenders respected one another and all was just and fair in Bitcoinlandia.  Then the neophyte challenged the lending legend by advertising a rate so low the internet broke.  And so begin the Rate Wars.

Haha, I'm not starting a war (I hope so), I put the same rate as the DarkStar_'s rate in this thread  
Lenders offer different service(s), by example some lenders offer higher rate but without collateral, some pay the transfer fee, etc etc.
And as I can see here, some borrowers just ask the member they trust/like the most, they don't really mind the rate...