It connects you with investors willing to fund loans for a variety of purposes

  • High borrowing amounts
  • Helpful customer support
  • Few additional fees


best personal loans for no credit

Fortunly’s Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Peerform is a lending company headquartered in New York, which provides those with less-than-perfect credit scores with a chance to obtain funds that they wouldn’t be able to get anywhere else. Read Review

  • Low credit score requirements
  • Soft credit check
  • Wide personal loan selection

How We Review Peer-to-Peer Lending Companies

If you’ve been denied a loan from a brick-and-mortar bank or conventional online lender, there are still options for you to explore. Peer-to-peer funding is offered both to businesses and individual applicants alike. It works differently from the financing you may have received or applied for in the past.

So, how do person-to-person loans work? P2P lending sites connect prospective borrowers directly with suitable lenders. Instead of borrowing from a financial institution, applicants receive funding from an individual or group of investors willing to loan them the money. By removing the middleman, P2P lending platforms can offer better rates and terms than traditional lenders.

However, given that no two lending e, it’s important to compare multiple peer-to-peer lending sites before choosing the best provider for your needs. To help you find the most suitable option, we’ve broken down our methodology into two large sections. The first part is devoted to loan characteristics, while the second focuses on borrower requirements.

Loan Characteristics

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Peer-to-peer loan companies have only been around for less than two decades. However, the number of competing online lending marketplaces is already considerable. Although most of them work in the same basic way, providers can vary quite a bit in their funding types, loan amounts, interest rates, repayment terms, and target clientele.

To help you structure your search, we’ve scoured the online P2P marketplace and made a list of the most important features to take into account while searching for the best peer-to-peer lending site.

Loan Types Offered

First of all, it’s important to mention that some P2P loan websites focus on providing business loans, while others only serve individual consumers. There are also online lending marketplaces where both businesses and individuals can find suitable funding options. However, before checking any other loan characteristics and eligibility requirements, make sure that you’re in the right place.

As far as funding types go, term loans (or installment loans) are among the most common options for both personal and business loans. Many peer-to-peer lenders also provide personal and business lines of credit, merchant cash advances, invoice factoring, and working capital loans. Note that some providers specialize in a single financial product, while others provide a wide range of financing types.

Speed of Approval

One of the most valuable features of online lending marketplaces is that borrowers don’t have to wait for months to find out whether they’ve qualified for the loan they’ve applied for. Not only do the best peer-to-peer lending sites process and approve personal and business loan applications at record speeds, but most of them even make the funds available to the applicant in less than a few days.

Term Length

Term length or loan term is essentially the amount of time you have to repay the money that you have borrowed. Depending on the loan type and the provider’s repayment policies, repayment periods can be as long as a few decades or as short as a few months. In addition to term lengths, we also suggest you take repayment terms into account. To avoid late payment fees, make sure that you’ll be able to keep up with your monthly, weekly, or even daily repayment schedule.

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