Peer-to-peer lending (P2P) platform directly connects borrowers with investors also known as loan providers. Through this relationship, borrowers are able to obtain financial loans at lower interest rates while investors obtain more reliable returns from diversified personal loan investments.
Whether you are a borrower or an investor, we understand the importance of a transparent and efficient platform which creates a seamless experience for you. Utilising state-of-the-art technology, we will match borrowers with good credit scores with investors so that both can mutually benefit from it. Plus, clients won’t be charged with any hidden fees or go through lengthy procedures.
In addition, our borrowers only need to contact their investors directly, without going through a third party (such as a bank) to intervene which enables P2P platforms to offer more competitive interest rates.
When compared to traditional bank loans, it is easier for borrowers to repay through the online loan platform using credit or debit cards among many other ways. This transparent and convenient method allows you to control your debts more easily which helps you to steer your financial situation back on track.
If you’re still thinking about where to invest, then you are most welcomed to try out Hap2py and explore a variety of opportunities to get a better return on your investment. As a loan provider, you have the flexibility to lend out your money when you have extra funds without having to worry about the annual investment limit and other hidden fees.
Similar to other investment financing services on the market, the online loan platform is also not risk-free. The risks include credit risks, liquidity risks and platform risks. In order to mitigate such risks, we take some necessary precautions to ensure that you use our When the platform feels at ease and comfortable.
These measures include:
Stringent Monitoring and Approval Process
Before allowing borrowers to view and obtain loans, we will screen their personal information to ensure that they have the ability to repay loans.
Accepting only high-quality applicants
Our strict screening process includes the use of some of the most effective measures such as credit checks, affordability checks and identity checks.
Loan Diversification
We understand that borrowers may have the risk of defaulting on their loans, so in order to reduce this situation, your funds will be dispersed to at least 5 borrowers.
We hope that this article will allow you to understand the inner workings of P2P loans from the perspective of borrowers or investors.
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