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Understanding How Peer To Peer Lending is Changing the World

Internet and social media have opened up an all new way of interacting and have also bought a shift in the thinking of people at every level. One such shift is peer to peer lending and borrowing. P2P lending is soon becoming the most opted option for many.

Let us now read about the ways peer to peer lending is bringing a change.

It is Unconventional Peer to Peer Lending Platform provides the lenders with an unconventional route with new ways, which helps the lenders, grow their money. This is indeed challenging the present financial system and also gives more information about your money. Lenders can now invest their money through p2p platforms in someone else and create a new income stream.

It’s Social Whenever we talk about lending or borrowing, all that comes to the mind is documentation and a stringent verification process. But, a peer to peer lending platform provides people a better way to invest money. People get better returns by investing in one another and thus can at times also help kick start someone’s career or a dream project. This way, lenders are not only helping themselves but are helping others too.

Helps Spread Your Wealth If one looks at P2P lending from an investor point of view, the platform provides access to the credit instruments without the involvement of any middlemen. This helps lenders to take informed decisions and to diversify the portfolio and thus earn good returns on the investments made.

Consolidates The Debt Peer to peer lending platforms offer various advantages to the borrowers too and one of the main reasons for which these are opted include debt consolidation. One can opt for a personal loan from P2P lending company at a lower interest rate and use the funds to consolidate a credit card or another loan that was high rate of interest.

Make Your Own Choices Lenders can also diversify their investments and choose the deals or projects, which they wish to fund. One can spread their investments over high risk, medium risk and low risk returns to create a balanced portfolio. This way, the lenders themselves have control over whom they are lending the money to and how much.

Why to put your funds in a savings account and forget about it? Instead you can earn more return on investment with peer to peer lending. One can analyze the portfolios of people they are lending to and choose the loan they wish to fund or invest.

LenDenClub is India’s largest alternate investment platform which started operations in India in 2015. We have been helping investors diversify their investments beyond traditional investment instruments ever since.



The Reserve Bank of India does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by Innofin Solutions Private Limited, and does not provide any assurance for repayment of the loans lent through its platform.

LenDenClub is an Intermediary under the provisions of the Information Technology Act, 2000 and virtually connects lenders and borrowers through its electronic platform via the website and/or mobile app.

The lending transaction is purely between lenders and borrowers at their own discretion, and LenDenClub does not assure loan fulfilment and/or investment returns. Also, the information provided on the platform is verified or checked on the best efforts basis without guaranteeing any accuracy of the data/information verification. Any investment decision taken by a lender on the basis of this information is at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower, fully or partially. The risk is entirely on the lender. LenDenClub will not be responsible for the full or partial loss of the principal and/or interest of lenders’ investment amounts.


*P2P investment is subject to risks. And investment decisions taken by a lender on the basis of this information are at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower.

** Average value mentioned is the weighted average of returns received by investors

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