This article is a part of a series on P2P Lending:
1. P2P Lending Overview
2. P2P Borrowers
3. P2P Lenders
4. P2P Lender Profile: Prosper
5. P2P Lender Profile: Zopa


Lenders on the P2P lender sites receive excellent returns compared to bonds plus the satisfaction of knowing they are directly helping other individuals just like them.

Lenders can search for borrowers by a variety of factors, such as keywords, type of loan, credit criteria, and amount of loan funded.

Lenders can easily spread their loans among multiple borrowers. Such diversification ensures a relatively low risk and reliable return.

Loan payments are automatically deposited in the lender's bank account. P2P lender services employ collection agencies to maximize payout. Delinquent and defaulted accounts are reported to the main credit reporting agencies.