Because the way the system works here. Suppose you put up a loan for 150 points, then you no longer have points. Its not easy for the system to know.. HEY THIS GUY HAS NO POINTS NOW HE CANT LOAN YOU POINTS.

So I need to take out the point in advance.

I think the person LOANING the points should set the terms in advance, hence why he puts out the offer. If its to crazy, then you dont HAVE to accept the terms.

You will get a list of people who are 'applying' for your loan.. you choose one (Or none) and move on and post a new loan if you like.


You think it should be the other way around.. Person asks for a loan, then the person loaning sets the terms.. Then person who wants the loan clicks accept?

Guess I could do it that way..