With peer to peer investing, it is possible to achieve higher ROIs than with other investments of similar risk. P2P loan platforms are able to operate at lower costs than traditional financial institutions. These savings are passed on to the individual and institutional investors who fund the loans and make the P2P lending origination platforms possible.
Historically, the median annual return for peer to peer loan investments is around 6-8%, though investors willing to take on more credit risk may realize outsized returns greater than 8%. Use our investment calculator to model an estimated ROI for a diversified portfolio of peer to peer loans yielding a portfolio averaged rate of your choice.
Borrowers most commonly utilize peer loans for refinancing consumer credit cards and other revolving loans with less appealing interest rates, though other use cases such as home improvement loans, auto financing, business loans, and general purpose unsecured personal loans are becoming more popular use cases for borrowers who utilize P2P loans.
Invest in P2P loans and achieve impressive annual yields from a consumer asset class.
Get StartedBorrow up to $40,000 at an interest rate as low as 6.99% APR (depending upon credit).
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