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2. Peer-to-peer lending - Wikipedia

   en.wikipedia.org/wiki/Peer-to-peer_lending

   Other forms of peer-to-peer lending include student loans, commercial and real estate loans, payday loans, as well as secured business loans, leasing, and factoring. [ 8 ] The interest rates can be set by lenders who compete for the lowest rate on the reverse auction model or fixed by the intermediary company on the basis of an analysis of the ...

3. Hui (informal loan club) - Wikipedia

   en.wikipedia.org/wiki/Hui_(informal_loan_club)

   Unlike similar schemes in other cultures, where all the savings and borrowing among the group members are interest-free [6] and the order of the withdraw are determined by the group leader, Hui adopts a market-driven interest rate approach: In any given month, all members currently interested in taking the money pot have to submit an interest ...

4. LendingClub - Wikipedia

   en.wikipedia.org/wiki/LendingClub

   The loans could only be chosen at the interest rates assigned by LendingClub, but investors could decide how much to fund each borrower, with a minimum investment of $25 per note. [62] [non-primary source needed] Investors made money from interest. Rates varied from 6.03% to 26.06%, depending on the credit grade assigned to the loan request. [63]

5. 6 Smart Ways to Invest in Peer-to-Peer Lending? - AOL

   www.aol.com/6-smart-ways-invest-peer-144506625.html

   Peer-to-peer (P2P) lending is a lending model where individuals or small businesses borrow money directly from individual investors through online platforms. Borrowers apply for loans, undergo ...

6. Need a Loan? Ask a Stranger: The Power of Peer-to-Peer ... - AOL

   www.aol.com/news/2012-07-04-need-a-loan-ask-a...

   Interest rates are at their lowest levels since 1971, but even people with excellent credit scores are finding it hard to obtain loans from banks more comfortable with lending to companies than to ...

7. Kiva (organization) - Wikipedia

   en.wikipedia.org/wiki/Kiva_(organization)

   In 2011, Kiva launched Kiva U.S., a 0% interest peer-to-peer lending pilot program for entrepreneurs in the United States, as part of efforts to "cut lending costs through technology". [32] The loans posted to Kiva U.S. are often from borrowers who have been rejected for loans by traditional banking institutions, but on Kiva U.S. they do not ...

8. Microcredit - Wikipedia

   en.wikipedia.org/wiki/Microcredit

   Indeed, the local microfinance organizations that receive zero-interest loan capital from the online microlending platform Kiva charge average interest and fee rates of 35.21%. [44] Rather, the principal reason for the high cost of microcredit loans is the high transaction cost of traditional microfinance operations relative to loan size. [ 45 ]

9. When should you refinance your mortgage? - AOL

   www.aol.com/finance/when-to-refinance-mortgage...

   Let’s say you currently pay $1,800 per month for your home loan with a 7.75% interest rate, with $250,000 and 25 years left on your mortgage. Here’s how your existing mortgage would compare to ...