Greetings my sea friends!
Did you just write an awesome post and bagged yourself 50$? Fantastic! But sadly, you have to wait for another 6 and a half days before you can spend it. Bummer.

Need that money sooner? Fear not! Old Neoxian has got you covered!

Introducing:

Neoxian's payday loans!

I'll offer you a loan using your future payment as collateral. Here are the terms:

• You must have at least 55 rep.
• The interest rate for rep 55-60 is 15%
• The interest rate for reps 61 and above is 10%
• You must have a pending post that pays out liquid rewards sufficient to pay back the loan plus interest.
• Loans are for SBD only
• If your post gets downvoted later, you are still on the hook for the full amount.

(pic by orig02 from deviantart)

** Offer void where prohibited.

Edit: Added bullet point for downvoted posts.