Loan4K is a relatively innocent name for a website. It really sounds like it might be a place to borrow a few grand to start your own business or finally buy that high-end sex doll you’ve been drooling over. I wrote the URL down, forgot what it was, and then loaded the site up this morning while trying to figure out how to pay off my bookie. He’s on his way to break my kneecaps, but I’m too busy jacking off to care.

Loan4K.com, in case you haven’t figured it out, ain’t actually a loan site, unless you’re trying to borrow a few orgasms before your wife gets home. Their premium reality-porn formula is simple but effective, at least from the looks of these thumbnails. Porn scenes here revolve around beautiful women getting fucked by fake loan agents. It’s a subtle twist on an age-honored pornographic tradition, and I can’t wait to see how well it works.
Hot Euro Babes and a Fake Loan Agent
One of the first things I notice about Loan 4K’s tour page is the design. This is a newer site, but it’s not set up how most new websites seem to be, with auto-playing preview montages and a wall of thumbnails. The layout here doesn’t look old and crusty, but it does remind me of the early trend-setting reality porn sites that blew up in the early ‘00s. It’s clear they’ve studied the form, which is how I refer to my Internet fap sessions.

The previews show us photos of pretty girls beside their loan applications. Brunette Alex needs $8000 for a wellness center she’s putting together, complete with a whirlpool. Blonde blanche only needs $6000, which she’s planning on putting into her online lingerie business. Redhead Isabella needs $12,000 in a hurry, though the manager forgot what she needed it for, noting that her awesome boobs were distracting. Loan4K.com features a lot of Euro babes, largely unknown in porno but fucking beautiful.

This is no reality show competition where the women are afraid of losing their dreams if they can’t convince the judges. Every Loan4K application out front has an APPROVED stamp, and the video thumbnails give some clues why. Maybe the loan agency just has plenty of funds and a genuine mission to help small businesses, or maybe all the dirty sex acts help convince the agents.

Alex has a nice rack, especially when she pulls it out of her top, and it looks like she sucks a mean dick. Blanche looked annoyed when she came in, but doesn’t seem to be having a bad time as she rides the agent’s cock. Isabella takes it from behind, Nathaly likes it on her side, and sweet little Suzie has a thing for fingers in buttholes.

The giant Play buttons on the giant preview thumbnails look exactly like they did on those early ‘00s reality porn sites. Unfortunately, they work like the Play buttons on modern porn sites. Instead of showing you a video, they send you to the signup page.
Really, It’s a Bunch of Porn Sites
A membership at Loan4K.com will run you thirty bucks, just like it will on most paysites. They also have a 2-day trial for a dollar, and a yearly membership that breaks down to $7.50 per month. Their annual rate is a few bucks less than other sites charge, but other than that, the prices are pretty standard.

What’s less standard is the sheer volume of bonus sites they include. A lot of premium sites will sweeten the deal with some bonus videos or guest memberships, but these guys include bonus access to 9 different paysites. Get your interracial fix at Black4K, your grandpas banging (18+)teens at Old4K, and your dads corrupting girlfriends at Daddy4K. They’ve got an taboo site called Sis. Porn, a rimming site called Rim4K, and a couple more reality sites like Law4K and Debt4K. All in all, not a bad mix of content types.

There is a catch, though, which I found as soon as I got signed up and logged in. There are only 13 Loan 4K movies right now. I clicked the Upcoming Scenes button to check the release schedule, and the next one is coming out in 4 days. I’m going to have to wait a month after that for the next one, and another few weeks for more fake loan action.

Before you get your panties in a bunch, there are a lot more updates on the way; they’re just not all under the Loan4K.com banner. You’re really paying for a network membership, and there’s a fresh new movie on the network every 2 or 3 days. In the next week, they’re releasing flicks from Old 4K, Loan 4K, and Daddy 4K, which is a fair amount of smut. Many of the networks are struggling to keep up thanks to COVID-19 and social distancing guidelines, but these guys are still banging them out.
Watch Sluts Apply for Loans
While I was a little surprised to find so few movies branded with the Loan4K label, I wasn’t disappointed. While I’m sure I could watch an endless number of fake loan pornos, I felt the additional content on the other sites was a more than fair trade for my money. Unless you’re actually a loan agent and this is your fetish, most paying customers aren’t going to have an issue with the content volume.

That said, I did come here for the Loan4K movies. The blonde getting pounded on the table for a new car had me interested, but the sweet young thing getting fucked for a better education sounded even hotter. Plus, the girl in the thumbnail is a true fucking beauty.

Nata’s always been a good girl, as evidenced by the opening dialog of the 36-minute scene. They’re speaking some Euro language I don’t understand, but the scene is subtitled. Nata talks about needing money for tuition and not being able to come up with it on her own.

It’s a relatively slow setup, which we watch through a security camera above the desk. The handjob doesn’t even start until about 8 minutes in. Nata seems reluctant at first, and the agent ends up going back behind his desk a few minutes later to continue negotiations. Nata is unsure, but this is important. Soon, she joins him behind the desk, lifting her skirt and dropping her panties so he can hit it from behind.
Believable Scenes, Dirty Sex
Reality porn doesn’t always work too hard to sell the scenarios. Do you ever believe it when a lady with a lost dog meets a cameraman and just happens to be really hungry for his sperm? I’m impressed with the effort Loan4K put into selling the scene and making it seem legit. The security-cam shot helps further set the stage, though I have to admit, Nata doesn’t fuck like any rando you meet on Tinder. This babe’s a freak!

The camera angle finally changes nearly 15 minutes in, switching to a handheld gonzo view. I was admiring Nata’s juicy thighs before, but the POV shot gives us a fantastic view of that ass as the dude fucks her raw dog. She moans loudly; while she may be doing this to further her education, she’s enjoying every moment.

Once the humping starts, it doesn’t really stop for the next 25 minutes. They switch positions, getting on and off the desk, and Nata ends up getting her clothes potentially ruined by an eruption of sperm. She gets dressed, finds out her loan has been approved, and then heads on her merry, satisfied way. The agent points her toward the restroom on the way out so she can clean up.

In keeping with their old-school flavor, downloads are included with your Loan 4K membership. I went ahead and grabbed the full 4K version, though they have a range of resolutions that will work with whatever piece of junk you’re watching on.

Loan4K.com offers solid reality porn that will appeal to fans of the genre who like seeing beautiful girls tricked into dirty sex. While it sometimes takes a month to release a new fake loan movie, their membership includes access to a network of paysites that release multiple new movies every week. I recommend browsing the complete list of “bonus” sites before pulling the trigger. If more than a couple appeal to you, you’re probably going to love this membership.