Sadly it can hardly be used as a reference for future loans. Probably only to show you had a loan and you repaid, but real lenders will look at the risk (which in this case is very high) and will request collateral. On top of that, this post along with biulas post kind of annoys me alittle because its almost like it is plan out to post publicly about the loan only to seek trust especially when (like warningsigns said) the transactions are between two young accounts (with one seeming to have a very large gap in posting history - farm account maybe?). This, alone, is a red flag in my books.