It's obvious that you post your request without even reading what is considered valid collateral and how much you have to offer to cover any possible lender...
You need to offer something that can be sold almost instantly by the lender and without any fuss. Not to mention that it has to be unrecoverable by you. Also, how can you cover a $150 loan with half of it as collateral? Well, you can't. So, you have to offer at least 120% of the loan's value. In your $150 case, you need to offer at least $180 in collateral. Once more, and since you admit that you don't have anything else to offer, lock your thread and try being more active in the forum. Maybe this way you will convince
Charles-Tim to change his feedback or remove it. However, I have serious doubts that he will...