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Thousands of people across the nation are finding that a person to person loan is a great option, whether trying to pay off your credit cards or start a small business. There are two places to get a peer to peer loan: Prosper and Lending Club.

Frequently asked questions

  • What is it like to get a Lending Club loan? Read my review of Lending Club.
  • What about a Prosper loan? Read my review of Prosper.
  • Which is better? Lending Club vs. Prosper for Borrowers

Recent borrower posts

Prosper complaints

by Simon Cunningham

Prosper Complaints: 5 Problems Borrowers Can Face for a Loan

Not everybody has a good experience with Prosper. I will talk about the main Prosper…

72 Shares 0
Lending-Club-Complaints

March 18, 2019 in Borrower Help

Lending Club Complaints: 5 Problems Borrowers Can Face for a Loan

Not everybody is a satisfied customer at Lending Club. Sometimes people apply for a loan…

96 Shares 0
Lending Club vs Prosper Loan 2019

February 25, 2019 in Borrower Help

Lending Club vs. Prosper 2019: 5 Big Differences

Lending Club and Prosper are two options for getting an online loan. But which is…

62 Shares 0
Peer to Peer Loan Bad Credit

February 23, 2019 in Borrower Help

5 Reasons Why a Peer to Peer Loan can be Good News for Bad Credit

If you are someone with bad credit history, getting a personal loan can be a…

28 Shares 0
Lending Club Loan Review

February 14, 2019 in Borrower Help

Lending Club Review for Borrowers 2019: Is this company legit?

I knew that Lending Club was a good option for a loan, but I wanted…

81 Shares 0
Lending Club and Prosper interest rates and fees

January 8, 2019 in Borrower Help

What are the Interest Rates and Fees at Lending Club or Prosper?

If you are thinking about getting a loan, one of the most important things to…

40 Shares 0
Prosper loans review

June 4, 2018 in Borrower Help

Prosper Loans Review for Borrowers: Is this Company Legit?

I knew the rates on loans at Prosper were some of the lowest in the…

226 Shares 0
Lending-Club-Small-Business-Loans

May 14, 2014 in Borrower Help

A review of Lending Club’s new Small Business Loans

One of the hardest parts of running a small business is getting access to a…

2 Shares 0
Prosper-Signature-Loans

March 26, 2014 in Borrower Help

4 Great Reasons to get a Signature Loan from Prosper

Did you know that you could get money in your bank account using just your…

19 Shares 0
Wells-Fargo-Personal-Loan

February 14, 2014 in Borrower Help

Wells Fargo Personal Loan? Lending Club has Better Rates

I know what it is like to look for a loan. While you usually have…

10 Shares 0
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INTEREST RATES

Peer to peer loan vs. credit card

Excellent credit

7%

P2P LOAN

8.4%

CREDIT CARD

Good credit

8-16%

P2P LOAN

16.7%

CREDIT CARD

Fair credit

17-36%

P2P LOAN

23-35%

CREDIT CARD

LendingMemo Media is affiliated with both Lending Club and Prosper. See disclosure.

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featured articles

What is a peer to peer loan?
Review: How I got a loan through Lending Club
Review: How I got a loan through Prosper
Lending Club vs. Prosper for borrowers
Loan calculator for Lending Club and Prosper

Peer to peer lending made easy.

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NOTE: all content is for information purposes only and is not investment advice. Terms of Service · Privacy Policy · Affiliate Disclosure
© 2026 LendingMemo Media LLC // 217 E 24th St Ste 102P - Holland, MI 49423

Out of date

Hello dear visitor! This site used to be active but today is no longer being maintained. While some of the writing may be still enjoyable these years later, please do not rely on this site for current borrowing or lending information.

Simon Cunningham — January 2026