Peer4Peer is a peer-to-peer lending marketplace that connects borrowers who need $50–$5,000 with everyday lenders. Every rate is capped by your state's law, and every fee is shown upfront.
See how it worksFees & APRYour rate never exceeds your state's statutory small-loan cap, and never more than 35% APR.
One flat 4% platform fee, paid by the borrower with the final payment. Lenders pay no platform fee.
Bank links via Plaid, card processing via Stripe, encrypted personal data, and identity verification.
Borrowers appear by anonymous Peer ID in the marketplace. We never sell your data.
Peer4Peer Lending, LLC operates the Peer4Peer marketplace. We are a loan facilitator: we do not lend our own money. Loans are made directly between members, under clear written terms.