Is there an online micro loan site like kiva for the rest of us?

Prosper offers peer-to-peer lending.

:D I knew such a thing must exist, I take a look at it.

Nah its no use that one, min is 1000, I only want like 200… for a quick boost.

@Melonking: Could you accept a loan of $1000 and then immediately pay back the portion you don’t need?

In the States, most people use credit cards for purchases between $50 and $500. Could you apply for a credit card? Or borrow the money from a friend or family member?

Immediate payback is an idea worth thinking about. Don’t want credit card, don’t like bothering family.

EDIT: Drat again, “loan payments are fixed”

@Melonking Why don’t you want a credit card? They are very convenient for situations like this plus you can earn 1% cash back on all your purchases.

How quickly do you need the money? If you only need $50 to $200, you could probably earn that in weekend doing odd jobs (washing cars, mowing lawns, etc.). If you already have a job, perhaps you could ask to work more hours?

There’s another site similar to Prosper, based in the UK (where I believe you are, according to your profile): Zopa.

Another US-based peer-to-peer lending site is LendingClub.