Last Updated on January 26, 2024 by Justin Su

P2P Lending or Peer To Peer Lending is the best and easiest method to lend or borrow funds from a person or financial institution. Peer to peer lending investment is the simplest way to put your money into the investment.

Let’s understand and check the best peer to peer lending apps.

You get a loan from another individual, or you can lend funds to another individual, it is also one of the best ways to earn money for lenders who want to make a safe investment but with less return.

Many such platforms can be used to lend or borrow money but not all of them are secure.

In recent times, similar apps or platforms have been used to blackmail loan takers by threatening them and their family members. First, it looks simple and easy to take a loan but later it comes with hidden rules which you can’t simply follow.

In India, many people lost their lives because of these apps. So it is important to know which P2P Lending apps are safe and secure to use.

Peer-to-peer lending investment returns are a bit stable so any platform offering huge returns might be a scam app or platform.

Peer To Peer Lending Investing Apps and Websites

Following are the best and most trusted peer-to-peer (P2P) lending investment apps or websites. These platforms are known for their trust and good returns.


Prosper was launched in 2005 and is known as the first P2P lending investment marketplace in the United States. More than 22 Billion USD was lent to more than 1,310,000 borrowers.

Prosperity allows you to lend or borrow between $2,000 and $40,000 at a fixed rate of return. Any person or institution can lend their money to Prosper and can earn a good fixed amount of return.

It has headquarters in San Francisco and Phoenix

Interest Rate (PA): around 5.7%

Loan Amount: $2,000 to $40,000

Loan Processing Time: 1 to 3 Days

Supported platforms: Website, Android App, and iOS App


Are you interested in crypto? Have some cryptos to invest in? Here is a MyConstant that can help you to solve your problem.

MyConstant is a collateral-backed P2P crypto lending platform that allows you to earn up to 12.5% APR and the highest APR you can earn is up to 150% (rarely).

MyConstant sign up bonus? If you lend or borrow crypto using our link then you will get 10$ as a bonus after 30 days. It means you will earn 10 USD for free.

Supported cryptocurrencies are USDT, USDC, PRV, BAT, BCH, BNB, BTC, DAI, ETH, LTC, MATIC, etc.

Interest Rate (PA): around 12.5%

Loan Amount: $50 to $50,000

Loan Processing Time: Instant

Supported platforms: Website, Android App, and iOS App

LendBox – Best Peer To Peer Lending India

LendBox is a New Delhi-based Peer To Peer lending investment company registered and in compliance with RBI. It was founded in 2015 and received regulatory compliance from RBI in 2018.

They have more than 390,000 registered users and 700+ crore INR AUM. On average 90 crores, of INR is invested by users every month.

Also Read: US Money Reserve Review

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The negative side of the platform is that it charges 500 INR as a registration fee (excluding taxes).

Interest Rate (PA): 11% to 14%

Loan Amount: INR 25,000 to INR 100,000

Loan Processing Time: Instant

Supported platforms: Website, Android App, and iOS App

Kiva: Peer-To-Peer Lending Apps

Kiva is like a donation platform where socially needy people ask for a loan. Kiva was founded in 2005 and headquartered in San Francisco. You can lend a minimum of $25 and don’t charge any fee.

Available in more than 77 countries, used by more than 4.4 million borrowers & 2.1 million lenders. To date, more than 1.78 billion USD amount of loans have been funded.

Their mobile app is very attractive and easy to use. If you want to contribute to someone’s life’s success then this is the best place to lend your money. Kiva is one of the best peer to peer lending investment platforms.

Interest Rate (PA): NA

Loan Amount: 25 USD minimum investment

Loan Processing Time: Vary

Supported platforms: Website, Android App, and iOS App

Frequently Asked Question

How to Become A Peer To peer Lender?

Becoming a P2P lender is much easier and earning money as the lender is also easy, join any site and complete KYC to become an eligible lender.

Best Peer-To-Peer Lending For Investors?

If you are a traditional investor then Proposer is the best option for you but if you are a crypto lover then you would like to use MyConstant will be the best alternative peer to peer lending investing option.