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  • What's The Difference Between Prosper & Lending Club?

  • From www.modestmoney.com -

  • The real draw(about peer-to-peer lending) for many people is that the loan originates

  • from average ordinary people and not some too big to fail bank that will harass you

  • a week after your payment was due. For many people, this is a good way to both get money

  • and make money while helping others.

  • In the peer to peer lending space there are really two major players. The first is called

  • Lending Club and the other Prosper.

  • Over the course of this article, I will explain how each is similar and different in their

  • offerings and requirements.

  • Editor�s Note: Adam from ModestMoney.com gives a succinct and accurate description

  • of the differences between the two P2P lending giants, Prosper and Lending Club. The article

  • is impressive because it gives you the most important differences that weigh heavily on

  • decision making when choosing a P2P lending format, whether you're borrowing or lending.

  • The article is slanted more towards informing borrowers of the best peer to peer lending

  • company to loan from than anything else.

  • The Modest Money site is refreshing in the sense that they don't try to talk over your

  • head. You get great, useable peer to peer lending info without all of the pomp and circumstance.

  • Here are our article highlights:

  • Loans are funded by your peers, in other words, normal folks. You explain why you need the

  • loan, give any relevant details and your peers purchase notes on your loan and you get paid

  • when all notes are purchased. Loans that makes sense get funded quickly.

  • It's important to detail your plans for the loan so that the investors feel secure in

  • selecting your loan to lend their money. Put yourself in the lender's shoes, give them

  • the details or risk being ignored. Both companies charge 5% on closing fees,

  • be sure to add that into your loan request so that you don't come up short.

  • If you need to borrow more than $35,000 neither P2P platform will work for you, they both

  • lend in the range of $2,000-35,000. Both lenders have fluctuating interest rates

  • on their loan, but nomatter the flucation rate they both keep interest rates far better

  • than traditional bank rates. Lending Club doesn't lend in as many states

  • as Prosper, check for loan availability in your state with each prospective lender.

  • Proper pays out to borrowers 2 days faster from the time the loan is approved to the

  • time it arrives in your bank account. It takes Lending Club 6 days compared to 4 days for

  • Prosper. Looking at the way the banks are still denying

  • qualified lenders and making life hard for small business and debt consolidations loan

  • seekers, it's becoming obvious that if you need a loan P2P lending may be your answer.

  • Do your research and make educated decisions.

What's The Difference Between Prosper & Lending Club?

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プロパーとレンディングクラブの違いとは?- ピアツーピアローン (What's The Difference Between Prosper and Lending Club? - Peer to Peer Loans)

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    lelelelelol に公開 2021 年 01 月 14 日
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