The real problem is that you don't have any type of collateral ( if you don't know what is a collateral read here : https://bitcointalk.org/index.php?topic=577765.msg6311902#msg6311902 ) .

How are you sure you'll be able to pay back?
I know you may be new here, but please know, we are very serious about our money.

Can I ask you  Why do you want this  0.4 btc ? Is it for gamble ? or Am I wrong ?

0.1BTC loan for 10 days.
5% interest.
No collateral.   

You may reject it.

Loan Amount - .4
Interest - 10%- 15%
Paid back no later than sept. 27th

No requests trough PM
Low interest rates [for the bitcoin world at least]
120% Collateral is a must
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I will not give no collateral loans unless you're a Sr. member + [no collateral only for small loans]

Repayment date will be determined depending on your needs

I don't care what the money is for, if you have collateral I will give you the loan

If you're asking for a no collateral loan you have to provide info what is it for and how you plan to pay it back.

Post the type of collateral you have, amount you want to loan and leave your address.

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Current available treshold: 1.75BTC
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What is legitimate collateral?

Mostly alt coins, this should be a coin with decent trade value

Cloud mining accounts such as cex.io,eobot etc.

I can do physical goods but in that case you'll have to pay for reshipping the item back to you.

Current loans:

goose20 - 0.1BTC - pending [23rd September]

no problem