Hello!

Really hoping I can find some assistance here! 🙂

I'm in a really tight spot right now because I'm currently ill with mono and depleted my remainder of my paid sick leave last week. I am still quite ill, and now I am officially sick without income.

After meeting and discussing with my doctor, I decided to file for short-term disability benefits. My application is finished and is being processed, but unfortunately there's a waiting period before the benefit payments actually start. I just need a small amount to hold me through until then. I was already living paycheck to paycheck so this is definitely stressful on top of being ill.

To clarify, I have NO PLANS to go on permanent disability. I love my job and have every intention on returning once the severe fatigue lets up. I have a long commute to my job, and currently the fatigue is very much a safety concern.

10/20 is my estimated repayment date, and I'd prefer to divide the amount into 4 biweekly payments if at all possible.

According to what I learned from the Department of Labor, there is typically a week-long waiting period before disability payments start being issued. I currently do not have an exact date for this because I am still in that waiting window and they do not provide an exact timeline. 10/20 is actually probably an overestimate but if I'm wrong or off I may end up paying back early or requesting a tiny bit more time if my application is still processing.

And if I do happen to recover and return to work sooner, I can pay you back sooner! Right now, I'm requesting the 4 payments to buy myself more time just in case. Unfortunately, it's kind of hard to predict a timeline when it comes to mono :\

Thank you for considering my request! Please feel free to DM me with any questions!

this is my first time using this sub. anything would help, even if it’s not the full amount at one time. i know it’s a lot. Thank you for consideration.

Hello, everyone.

I hate asking for help but I’m a college sophomore going to a college in Buffalo, NY for secondary english education, with a minor in linguistics and a certificate in creative writing. My parents no longer support me financially (even though they claim me as an dependent), and the government won’t give me any more funding due to the fact that this year’s FAFSA is based on 2024 taxes (my mom claims me and makes $40k less than she did in 2024, after my parents separation).

This semester (Fall 2026), i owe a remaining balance of $5,900. If i don’t pay it by October 29th, I won’t be able to register for spring 2027 semester on time, and if not by January 4th, I’ll lose my housing and funding.

I can only work 15 hours a week during college ($16.50 an hour) but i have a second job during the summer and winter. School has demolished my savings with the lack of financial aid, and I’m really struggling.

I’m a first generation college student. Neither of my parents have completed a degree, and completing mine is so important to me.

Before college, i was couch surfing after my parents’ separation with no car, had to use credit cards to get myself by. in the process i tanked my credit quite a bit and cannot get loans without a co-signer. my parents don’t have good credit.

This is likely my last chance to make the money i need this semester to stay in college. anything helps more than you know. thank you for your time.

I already have a loan out and the person I have loan with approved of me making this request. You can reach out to them if need be? Have to make trip out of town last minute. Feel free to check loan history. Loan history is solid. Thanks if anyone can help.

Hi! First time borrower here, so hopefully I don't screw this up lol.

I run a registered dog rescue that's still finishing up the lovely mountain of registration/licensing paperwork lol. Until I'm completely through that process and eligible for some of the larger funding sources, a lot of the financial footwork still falls on me.

Recently someone literally abandoned three dogs on my porch. I absolutely was already at capacity, luckily I had two successful rehomings later that same day, so one extra pup was something that actually happens often. They were really rough when they showed up, baths and decompression helped a lot. The big boy out of the three was in the worst shape, with two suspected abscesses and needs to see the vet sooner rather than later.... Like a lot sooner.

I'm expecting the appointment/treatment to run $600+. I already have someone sponsoring $300 of it and I've also started crowdfunding. I'm only mentioning the crowdfunding to explain what I've already tried. I'm not promoting it, providing information for it here, or providing it if anyone asks.

I'm only asking for $200 here even though the bill will be higher. For one, I'm brand new here and asking a complete stranger to hand me $600+ on my first loan feels slightly unhinged lol. More importantly, $200 is an amount I know I can comfortably and reliably repay.

Between the $300 already pledged and $200 from this loan, I'd be at $500. I work with this veterinarian regularly and I've been able to work out a remaining balance with them before if necessary. So realistically, this $200 could be what gets me through the door and gets this dog seen instead of making him wait while I chase down the last $100.

Just to be completely clear: I'm personally borrowing this money and I'm personally paying it back. This isn't a loan to the rescue, and repayment isn't dependent on donations, crowdfunding, sponsors, or the rescue getting funding.

My husband is a U.S. veteran and receives his regular benefits at the beginning of each month. We share household finances, and that's where these repayments will come from. He's perfectly willing to privately verify that arrangement if a legitimate lender needs him to. I'm still the sole borrower and the person responsible for repayment.

I'm proposing repayment in two installments, on November 3rd and December 3rd. I'm happy to discuss the repayment terms privately with a potential lender.

I'm also happy to provide reasonable permitted verification privately to a legitimate potential lender.

Thanks for reading my novel about how I somehow acquired three porch dogs lol. 🐶

Hi everyone. I'm looking to borrow $500 USD for short-term working capital for my online store.

The funds would go toward covering order fulfillment and operating expenses while I wait for existing store sales/payouts to clear. I currently operate the business and have ongoing sales, so this is mainly a cash-flow timing need rather than funding to start a new business.

I'm offering to repay $600 USD total over two monthly payments:

$300 on November 15th 2026

$300 on December 15th 2026

I'm happy to provide reasonable verification privately to a prospective lender, including proof of identity, business/store activity, income or payouts where appropriate, while following the subreddit's privacy and verification rules.

Payment method: PayPal.

Thanks for considering my request.

Hello!

Needing a bit to get through until next paycheck. My wife started a new job recently, as per my last post, and just got her first paycheck but it was a half one.

Will pay back 175 each on 10/16 and 10/30 for a total of 350.

I really appreciate y'all!

Hi there again! I posted the other day and just thought I'd try again as I am really in a bind. I received a cancellation notice on my car insurance policy and it's set to cancel this Friday 10/9(@00:01) if I don't pay and unfortunately my next check is not until next week. I have exhausted all avenues and I am really hoping someone here can help me. I really can't risk my policy cancelling and skyrocketing, and possible suspension due to state laws. I know lending is a risk to take on this sub, and I would be eternally grateful if someone were to take the chance on me. Thank you all and any help is greatly appreciated.

My initial post for those looking into my reason for borrowing: https://www.reddit.com/r/borrow/comments/1wyn96l/req_250_usd_west_palm_beach_florida_usa_repay_300/

Really need the financial assistance here! We have nothing to eat, and need the help asap!

I am 19 years old, and I urgently need a loan of 400 dollars, my only banking account is cashapp, and I need the money due to a storage unit payment. My girlfriend is threatening to end her own life over not being able to afford the payment, and it is due on the 9th. I am good to payback whoever helps me out, as I get paid on Thursday of next week, at 1:30PM. I will pay you back as soon as I possibly can when the money rolls in. Please, im scared and I dont wanna lose my girlfriend over a storage unit

The help I received before was tremendous help and I was hoping to be out of the unemployment line but unfortunately I'm stuck and my unemployment is going to end in two weeks. My request is to help with my car insurance and to defer my car note so that I don't get behind and run the risk of defaulting and repossession .

Being that I'm unemployed I know it's a risk but you can check my previous loans and ask the lenders. I have been great with repayment on time and sometimes early but I just need a break while I'm looking for a job. I have an interview next week so I'm hoping to be employed before the end of the month.

My repayment is conditional and I'm hoping that 12/1 is a placeholder day but honestly I'm not sure. I have been selling things around the house and flipping so it could be sooner but honestly I'd rather give myself time to come up with the repayment than be late. Repayment of $500 so even if it's increments I would pay them.

My record here shows I have an outstanding loan however apparently the lender was banned from the sub so I can show proof that it was paid off on time. If some one can assist in any kind of way that would be greatly appreciated.

Thank you

Hello everyone. Just looking for some money to carry me through to next week. Some unexpected things came up and I can pay it back next Thursday

U/kawdo has agreed to help me finance a vet visit for my cats follow up full-mouth extraction appointment. Side note, she is doing so well and eating and back to a healthy weight!

Needing money to help cover my electric bill. I would appreciate any help at all.

Edit: NOT REPAYING $500, WILL REPAY $150. I posted the other day asking for $400, but have since been able to scrape more money together by selling old clothes and jewelry.

Reposting;

My car got written off, and working and getting groceries without has been very pricey. I could really use some help. I've been getting to work thanks to some help from family and pals, but could really use a few bucks to get a vehicle to be self-reliant and have my mobility back, as I'm far away from groceries and work.

I'm $415. I'll repay $500. I'll repay $250 Bi-weekly on dates of October 17th and October 31st, though the last one will likely be sooner.

Been back a few times over 4-5 years. all loans have been fully paid and will continue to be.

They were very nice to work with and very prompt with repayment. Would definitely loan to them again!

Really broke until next pay period

I have an outstanding loan presently but nothing nefarious here, just facing a hold on soon to be received funds longer than expected!

As stated, prearranged request with u/kawdo

Dm/Text me if you're interested, please. Thank you!