Just for the sake of info, would like to know that what is the minimum required number of posts, activity and member level you need from people like before even letting us ask for the loan? I think if you clear it out, then it will be easier for us to understand and think before posting for the same. 
If you don't even bother reading the OP, then you don't deserve any loans, no matter how small. There are only 2 simple terms, how the hell can you miss it?
1) Post requests in the thread, no PM's
2) No newbs with activity or posts lower than 20