There's got to be a way - and I have no idea what it could be - to do these kind of short term loans with BTC but having some kind of credit rating in place. Without a scammer running the credit rating agency of course. Post counts only really show that you, well, post a lot.
There is. Collateral.
In your case everything just went wrong. You are new, you have no collateral, and you don't have time. You won't be able to get a loan.
