I noticed almost all lenders give no collateral loan to reputed members. I want to say before giving loan without collateral Keep in mind below theory:
1. Check their recent activity
2. Check their trust ratings (trusted or untrusted)
3. Double check signature or previous stake address.
4. Try to understand how important the account. Few member id is precious to them than few legendary. Earlier who has written anything even gave bounty report became legendary so their account is not important to them and also they have multiple account. So, if you give 500$ loan that might be defaulted.

And also after filling the loan please give neutral ratings so that other people can know that borrower already taken loan from others either borrower is higher rank even DT2 member.