This is my first loan, so I'm still a bit slow.
That's an understatement.
Did you bother looking at the trust page of the borrower? Did you bother looking up his post history? No, you say? It shows. He's made a total of 16 posts so far this year (with that throwaway account anyway,) four of which were loan requests. Three got denied, lol.

It's been nearly 42 hours since you've sent the money, and this worthless account has yet to log on to confirm that he's received your generous
gift loan.