This is likely a collateral scammer. Don't send anything to this newbie without escrow. Better yet, don't deal with this user at all. There are other more reputable lenders to choose from.
Don't judge a book by it's cover. If I'm new, that doesn't mean that I'm a scammer, also I wanted to post 'Reserved.' post but seems like you ruined it so I will reserve this one. Everyone deserves a chance. I will wait for someone to take a loan from me and to prove you wrong. It's alright to take care of the community members, but it's not OK to discriminate new ones. Cheers.