Although hoopla is free to you, the library pays each time something is checked out. We have daily and monthly limits so we don't exceed our budget. You get the "lending limit reached" message when enough people have checked out materials to reach our daily budget. To allow more people a chance to use hoopla, we have reduced the number of checkouts each user can have to 5 per month. We are glad so many of you are excited to use hoopla. Please bear with us and we work out the kinks in this new service.