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.
I read a thread about a loan made by actmyname and I realize that it might seems that its a no collateral loan, but its not. The account ID itself worth more than the collateral. I was even more surprised that what an individual went ahead to make the payment just before negotiations was concluded that it ended in double payment that he needed to return even with fees that tells you how someone value his name more than few btc.
The point is, while it is essential to keep to the rules above, some individuals have paid their dues of being a worthy ambassador on the forum and their name speaks gold. This should even serve as a lesson to those who have been tagged for asking for a non-collateral loan that its nothing personal but a simple hard-work and good behavior that has been discharged by the person involved.