I don't understand why the lending area exists at all. Its prime purpose seems to be for senior members to sneer at the cognitively suboptimal attempts by nobodies to con them.
There are appear to be virtually no successful loans, just an endless cycle of insults and impotent scam attempts.
Not to mention those loan applications from mostly Newbies and Jr Members where they're not actually planning on giving any collateral at all. Nooope; not an obvious scam at all. These loans should be locked to members or full members and up only to lessen the too-obvious scam attempts.
A perfect example:
-snip-
Nope. Totally legitimate loan. Not a scam at all.
If lenders don't want Newbies (without collateral) in their threads, self mod your lending thread and delete all posts from Newbies. That's what I've done and so far I've only needed to delete one or two posts since April 2018.