Personal loan. I would like a 96D commitment. Minimum amount per individual lender = $500. Pays 2% every 32 days. I reserve the right to pay off principal + interest at any time prior (assuming it isn't the due date, in which case I must pay). However, if I pay early, the full amount of interest will be paid. Payment will only be accepted in DwollaUSD or GoxUSD. Paypal can be too-easily reversed, wires are expensive, and ACH transfers & checks take too long. However, if you want to do checks or ACH, that's acceptable so long as it's understood the start date doesn't occur until I have the money in Dwolla. If I left a payment method out which you're interested in, PM me and I'll take a look.
PM me if interested. ID & utility bill can be provided, but I'm too cheap & lazy to get a promissory note (unless you take out the full amount, perhaps). I'll send you an agreement via email if you'd like, however.
Example: Send me $1k GoxUSD. On 32nd day, I pay you $20. On 64th day, I pay you $20. On 71st day, I decide it's a good time to pay the loan off and send you $1020 to close the loan.
-- If there are no bumps and I make a fair sum off the loan money, I'll send extra. Otherwise, I'll just pay you what's owed, which is still a pretty solid rate for a USD loan.