This is likely going to be moved to another subforum within the economy section because it shouldn't be here.
As for your loan rate, while attrative at first glance, you need to prove yourself a bit first. It doesn't look a lot like you have the means to repay it and most users would be relatively worried handing off $75 to someone with little to show for paying their money back along with next to no collateral.
Go looking for smaller loans first with something that people can use to hedge against their investment in your loan.