10% on a loan seems to be the cut off. The loans I have offered have only been accepted when they are about 10%, +/- 1%. It really isn't worth the time and risk. You can make the same amount of points watching virool videos each day a person has to pay back a loan. On top of that you aren't risking your hard earned points. I will say that I have loaned out a couple of times but only to those members with a high reputation.