Lists of alternative financial services

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This is the Consum(er)ium list of alternative financial services lists.

http://velallisten.yhteinen.asia and http://vertaislainaajien.yhteinen.asia redirect here.

Contents

Consum(er)ium list of alternative financial services lists[edit]

Spectrum of consumer finance

Predatory lending -> payday loan -> proletariat finance -> peer-to-peer loan -> credit card debt -> bank loan

What is alternative finance? What are alternative financial services?[edit]

Alternative Finance refers to financial channels and instruments that have emerged outside of the traditional finance system such as regulated banks and capital markets. Examples of alternative financing activities through 'online marketplaces' are reward-based crowdfunding, equity crowdfunding, peer-to-peer consumer and business lending, invoice trading third party payment platforms.”
~ Wikipedia on alternate finance


Alternative financial services (AFS) are financial services provided outside traditional banking institutions, on which many low-income individuals depend. In developing countries, these services often take the form of microfinance. In developed countries, the services may be similar to those provided by banks and include payday loans, rent-to-own agreements, pawnshops, refund anticipation loans, some subprime mortgage loans and car title loans, and non-bank check cashing, money orders, and money transfers. It also includes traditional moneylending by door-to-door collection.”
~ Wikipedia on alternative financial services


Often the spectrum ranges from brute loan sharking in operations known as w:payday loans all the way to almost respectable interest taking of non-collateralized loans.

What is APR, why does it matter?[edit]

“APR stands for the annual percentage rate.”
~ everyone on annual percentage rate


“[...] In many countries and jurisdictions, lenders (such as banks) are required to disclose the "cost" of borrowing in some standardized way as a form of consumer protection. APR is intended to make it easier to compare lenders and loan options.”
~ Wikipedia on annual percentage rate


“In EU all loaning operations must show the APR for their example loans that they use to market their services.”
~ European Parliament on law regarding advertisement of loans


  • APR can range from hundreds of percent to few tens of percent. Credit card debt is usually in the 10-15% zone.

Peer-to-peer lending, peer-to-peer investing and socially responsible investing[edit]

Peer-to-peer lending, abbreviated P2PL, is the practice of lending money to unrelated individuals, or "peers", without going through a traditional financial intermediary such as a bank or other traditional financial institution. P2PL is not to be confused with peer to peer investing (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending platforms and credit checking tools. Many also use the abbreviation "P2P" when discussing the peer-to-peer lending or investing industries more generally. Peer-to-peer lending is also known as crowdlending.”
~ Wikipedia on Peer-to-peer lending


Peer-to-peer investing (P2PI) is the practice of investing money in notes to borrowers who are requesting a loan without going through a traditional financial intermediary and who are unknown to the investor.”
~ Wikipedia on peer-to-peer investing


Socially responsible investing (SRI), also known as sustainable, socially conscious, "green" or ethical investing, is any investment strategy which seeks to consider both financial return and social good.”
~ Wikipedia on socially responsible investing


Equity crowdfunding is the online offering of private company securities to a group of people to investment.”
~ Wikipedia on equity crowdfunding


“An ethical bank, also known as a social, alternative, civic, or sustainable bank, is a bank concerned with the social and environmental impacts of its investments and loans. The ethical banking movement includes: ethical investment, impact investment, socially responsible investment, corporate social responsibility, and is also related to such movements as the fair trade movement, ethical consumerism, and social enterprise.”
~ Wikipedia on ethical bank


Microfinance and microcredit[edit]

Microfinance is a source of financial services for entrepreneurs and small businesses lacking access to banking and related services.”
~ Wikipedia on microfinance


Microcredit is the extension of very small loans (microloans) to impoverished borrowers who typically lack collateral, steady employment and a verifiable credit history.”
~ Wikipedia on microcredit


More reading Impact of microcredit

Multiple countries / global[edit]

Meta-Searches[edit]

Asia[edit]

Australia[edit]

List of P2P financial services in Australia[edit]

China[edit]

List of P2P financial services in China[edit]

Hong Kong[edit]

List of P2P financial services in Honk Kong[edit]

India[edit]

List of P2P financial services in India[edit]

Marshall islands[edit]

List of P2P financial services in Marshall Islands[edit]


New Zealand[edit]

List of P2P financial services in New Zealand[edit]

Singapore[edit]

List of P2P financial services in Singapore[edit]

Europe[edit]

Lists of P2P financial services in Europe[edit]

Austria[edit]

List of P2P financial services in Austria[edit]

Czech republic[edit]

List of P2P financial services in Czech republic[edit]

Estonia[edit]

List of P2P financial services in Estonia[edit]

Finland[edit]

List of Finnish alternative financial services lists[edit]

View Consum(er)ium list of price comparison services in Finland for more finance related comparison shopping websites].

List of P2P financial services in Finland[edit]

Lists of P2P financial services in Finland[edit]

List of alternative investment schemes in Finland[edit]

France[edit]

List of P2P financial services in France[edit]

Germany[edit]

List of P2P financial services in Germany[edit]

List of P2P rental services in Germany[edit]

Ireland[edit]

List of P2P financial services in Ireland[edit]

Italy[edit]

List of P2P financial services in Italy[edit]

Latvia[edit]

List of P2P financial services in Latvia[edit]

Lithuania[edit]

List of P2P financial services in Lithuania[edit]

Netherlands[edit]

List of P2P financial services in Netherlands[edit]

Poland[edit]

List of P2P financial services in Poland[edit]

Slovakia[edit]

List of P2P financial services in Slovakia[edit]

Spain[edit]

Short-term loan comparators in Spain[edit]

  • https://loansmart.es/ Compare short term credits and loans - Compare los créditos a corto plazo y los préstamos

List of P2P financial services in Spain[edit]

Sweden[edit]

List of short-term loan comparators in Sweden[edit]

Lists of P2P financial services in Sweden[edit]

UK[edit]

List of P2P financial services in UK[edit]

Lists of P2P financial services in UK[edit]

Middle East[edit]

Israel[edit]

List of P2P financial services in Israel[edit]

United Arab Emirates[edit]

List of P2P financial services in UAE[edit]

North America[edit]

Canada[edit]

Lists of P2P financial services in Canada[edit]

USA[edit]

Lists of P2P financial services in USA[edit]