Discover a peer-to-peer lending platform with fixed personal loan ratesA and access to unique amortizing payment streams†.
Which are you interested in?
access credit
access cash flows
What is Peer-to-Peer ("P2P") Lending?
Definition: P2P Lending is a financial model that enables real people to borrow from and lend to each other directly without a traditional bank intermediary.
We take more than a single number into account. We use over a dozen modern values from your financial life.
You
Payment-to-Income Ratio
Residual Income
Asset-to-Barrier Ratio
Credit Utilization
Cash Flow Volatility
Liquidity Coverage
Income Trend
Saving Rate
Net Worth to Income
Short Term Liability Ratio
Banking History
Delinquency Flags
People-powered lending
Approved requests are presented in our marketplace for up to 5 days so investors can support qualified borrowers. If your request reaches 100% of the amount you asked for, your loan is originated. If it reaches at least 75% by the end of the fifth day, you can accept that amount or decline it.
AL
$300
JM
$300
RK
$300
TS
$300
$1,200
Home repair24 monthly payments
Funding progress
25%50%75%100%
0%75%100%
Takes minutes to apply
No endless information entry screens. We've made it as simple as possible to apply in 4 steps.
1
Desired detailsEnter the amount you want and the monthly payment you can manage.
✓
2
Bank linkingConnect your bank account(s) for payments and loan qualification.
✓
3
Identity verificationConfirm it's you with a quick selfie and picture of your ID.
✓
4
Agree to fundingReview the agreement and move ahead if the offer works for you.