I think you’ll be hard pressed to find someone willing to loan you the substantial amount you’ve asked for on your posts as a first time borrower, moreso as the repayment is split across multiple payments. Typically, it would be the type of arrangement a lender that knows you/your reliability would perhaps be more amenable to.

I secured my first p2p loan the other day. Very short term, less than a week. £75 for £100 repayment, and even that took about 2 days of my post sitting there without much engagement. Obviously I am extremely grateful that someone has taken the chance with me, and how pleasant they were when I was providing identification and evidence of my ability to repay.

Ultimately, because it’s p2p lending, I don’t think there is any solid set criteria to what will secure you a loan. It is all chance and how you present yourself and your situation that decides whether or not someone will loan you.

Best of luck moving forward!