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Seems like a possible scam to me...
- newbie account - 1st post
- no website- no collateral
- 2% interest
Too good to be true and looks shady.
Doesn't really know how they could steal your money out of this so I may be wrong... But be careful guys...
Actually the OP is offering to make/provide loans. As a result all of your 'red flags' are incorrect.
The reasons why the OP is likely a scammer are below:
-Using a name that is clearly female
-Using a handle/username that would be a realistic First + Last name combination
-Asking to communicate via an off-forum method
I think the OP is likely trying to build up confidence for a longer term scam either with the account he is posting from or from an account that he will give loans to