Peer to Peer (P2P) Lending allows people to lend money to others through online portals like Prosper in the US or Zopa in the UK. Those looking for a loan use P2P networks for a variety of reasons. They can get funding quicker, they are having trouble getting a loan from a bank, or they may have a less than ideal credit history. For lenders, this is an opportunity to earn higher rates than you would get in a savings account.

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