hey OP
I understand at 100% that you refused the loan, and there is no problem at all with that from my side of course.
But when you propose a service, asking for conditions, and when you refuse the service even in theory the conditions are meet, it is not necessary to leave a neutral feedback.
(+ I had successfully paid Willi many times for blocks runs, and 2 weeks ago MoparMiningLLC for a 500 USD deal, I have a trade history,)
Have a great day
Bare minimum requirements != requirements to get a loan. Imagine all of the scammers if earning 25 merits let you take an unlimited size loan

But fair enough, I wasn't aware of your previous trade history and it didn't come up when I was looking through your profile. I removed the neutral trust left on your profile. I do think it is worth mentioning on profiles when the amount is very unusual - for example if someone with actually no trade history requested a $5000 loan, they would be suspicious.