There were a lot of people in the forum who could not borrow money so it wouldn't be a problem to lend new members.
Maybe you should escrow to loan.
Sure. Escrow is good as well, according to the information that you guys gave me, it seems anyone with collateral can receive a loan despite their ranks.
This is good!
Yes, but make sure your collateral valuable or have a huge value so that the lender can assure that he have something useful to sell if you possibly default your loan. Anyways seems that you are planning to take this loan option here so just piece of advice don't rely on taking loans when you need something since this option is so addicting and might you will get broke for your future loans without noticing it.