Peer-to-Peer Lending
Direct lending marketplaces connecting borrowers and investors without banks
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0 / 5 completed💰 Cutting Out the Middleman
Peer-to-peer (P2P) lending platforms connect borrowers directly with individual investors, eliminating traditional banks as intermediaries. This creates better rates for borrowers and higher returns for lenders through technology-driven marketplaces that assess risk and match loans efficiently.
⚡ The P2P Advantage
Banks traditionally borrow at 0.5% (savings accounts) and lend at 15% (credit cards), keeping the 14.5% spread. P2P platforms split this difference—borrowers get lower rates (8-12%), investors earn higher returns (5-8%), and the platform takes 1-2% for operations. Everyone wins except traditional banks.
Global Market Size
Total P2P lending volume worldwide (2024)
Annual Growth Rate
Market expanding rapidly since 2010
Investor Returns
Average annual returns after defaults
Platform Fees
Combined origination and service fees
🎯 Key Benefits
Better Rates for Borrowers
30-50% lower interest rates than credit cards
Higher Returns for Investors
3-5x better than savings accounts, competitive with stock market
Fast Approval Process
Automated underwriting delivers decisions in minutes, funding in days
Portfolio Diversification
Invest in hundreds of loans with small amounts ($25-100 each)