Consumerium development wiki - User contributions [en]

Lists of alternative financial services

2019-08-19T06:08:24Z

Rooperi68:

This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''.

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

= Consum(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? What are alternative financial services? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----

= Multiple countries / global =
* https://www.bitbond.com - Global BTC based P2P lending
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s
* http://www.kiva.org/ [[w:Kiva (organization)]] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://loanbase.com/
* https://www.twino.eu/
* http://www.unitedprosperity.org/ - [[w:United Prosperity (organisation)]]
* http://www.vittana.org/ - [[w:Vittana]] microcredit for the developing world
* https://www.zidisha.org/ - [[w:Zidisha]] microcredit for Africa and Asia

= Meta-Searches =
* http://www.p2pmoney.co.uk/companies.htm comparison chart of P2P sites

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* [[w:DirectMoney|DirectMoney]] [https://www.directmoney.com.au/ (.com.au)]
* https://www.societyone.com.au/

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
* http://english.creditease.cn/
* https://www.lu.com/ - [[w:Lufax]]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Honk Kong ===
* https://www.welend.hk/ by http://www.welab.co/

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* https://milaap.org/ [[w:Milaap]] microfinance

== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* https://www.harmoney.co.nz/ - [[w:Harmoney]]

== Singapore ==
=== List of P2P financial services in Singapore ===
* https://www.fundingsocieties.com/

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ P2P lending service

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.zltymelon.com/

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://crowdestate.eu/ (2014)
* https://estateguru.co/ was originally named https://www.estateguru.eu/ (2014)
* https://fundwise.me/en (2015) - Equity crowdfunding
* https://investly.eu/ (2014)
* https://www.moneyzen.eu/ (2014)

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://www.fixura.fi/fi-fi/home/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* https://www.borrow.fii/lainaa-yksityishenkilolta
* http://www.tuntitili.fi/vertaislaina

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.younited-credit.com/

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.lendico.com/ - [[w:Lendico]]
* http://www.smava.de/ Smava Privatkredit und Autokredit

=== List of P2P rental services in Germany ===
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for individuals
* https://www.linkedfinance.com/ P2P financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== Latvia ==
=== List of P2P financial services in Latvia ===
* https://www.grupeer.com/ P2P lending
* https://www.mintos.com/en/ P2P lending to individuals

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://www.finbee.lt/en/

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs

== Poland ==
=== List of P2P financial services in Poland ===

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Spain ==
=== List of P2P financial services in Spain ===
* https://arboribus.com/ P2P lending service

== Sweden ==
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/
* https://toborrow.se/sv/

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.collateraluk.com/ P2P loans against collateral
* https://www.crowd2fund.com/ P2P financing for businesses
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* http://www.investandfund.com/ P2P lending to residential property developments
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages
* https://landlordinvest.com/ secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs
* https://www.lendingworks.co.uk/ [[w:Lending Works]] is the first UK P2P lending company that includes credit default protection for the lenders
* https://www.lendinvest.com/ secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://stemfund.com/ P2B loans
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* https://unbolted.com/uk/ [[w:Unbolted]]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth
* https://www.lendingcrowd.com/

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* https://www.investnextdoor.com/ - [[w:Invest Next Door]] P2P SMB loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.peerform.com/ - [[w:Peerform]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.upstart.com/ [[w:Upstart (company)]]

Lists of alternative financial services

2019-07-29T11:50:56Z

Rooperi68:

Lists of alternative financial services

2019-01-08T08:36:53Z

Rooperi68:

This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''.

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

= Consum(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? What are alternative financial services? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----

= Multiple countries / global =
* https://www.bitbond.com - Global BTC based P2P lending
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s
* http://www.kiva.org/ [[w:Kiva (organization)]] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://loanbase.com/
* https://www.twino.eu/
* http://www.unitedprosperity.org/ - [[w:United Prosperity (organisation)]]
* http://www.vittana.org/ - [[w:Vittana]] microcredit for the developing world
* https://www.zidisha.org/ - [[w:Zidisha]] microcredit for Africa and Asia

= Meta-Searches =
* http://www.p2pmoney.co.uk/companies.htm comparison chart of P2P sites

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* https://www.societyone.com.au/

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
* http://english.creditease.cn/
* https://www.lu.com/ - [[w:Lufax]]
* http://www.tuandai.com/
* https://www.dianrong.com/ [[w:Dianrong.com]]
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Honk Kong ===
* https://www.welend.hk/ by http://www.welab.co/

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* https://milaap.org/ [[w:Milaap]] microfinance

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* https://www.harmoney.co.nz/ - [[w:Harmoney]]

== Singapore ==
=== List of P2P financial services in Singapore ===
* https://www.fundingsocieties.com/

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.zltymelon.com/

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://crowdestate.eu/ (2014)
* https://estateguru.co/ was originally named https://www.estateguru.eu/ (2014)
* https://fundwise.me/en (2015) - Equity crowdfunding
* https://investly.eu/ (2014)
* https://www.moneyzen.eu/ (2014)

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://www.fixura.fi/fi-fi/home/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* https://www.borrow.fi/lainaa-yksityishenkilolta/
* http://haelainaa.biz/lainaa-yksityishenkilolta/
* https://kingrahoitus.fi/vertaislainat/
* https://www.lainaanopeasti.biz/vertaislainaa/
* http://www.tuntitili.fi/vertaislaina

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.younited-credit.com/

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* https://www.fundingcircle.com/de/ Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.lendico.com/ - [[w:Lendico]]
* http://www.smava.de/ Smava Privatkredit und Autokredit

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://www.linkedfinance.com/ P2P financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://www.finbee.lt/en/

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs

== Poland ==
=== List of P2P financial services in Poland ===

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Sweden ==
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/
* https://toborrow.se/sv/

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* https://www.abundanceinvestment.com/ P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* https://www.assetzcapital.co.uk/ [[w:Assetz Capital]]
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.folk2folk.com/ [[w:Folk2Folk]]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* http://www.investandfund.com/ P2P lending to residential property developments
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages
* https://www.lendable.co.uk/ P2P finance for private individuals
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs
* https://www.lendingworks.co.uk/ [[w:Lending Works]] is the first UK P2P lending company that includes credit default protection for the lenders
* https://www.lendinvest.com/ secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://www.propertycrowd.com/ secured P2P loans for real estate
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* https://unbolted.com/uk/ [[w:Unbolted]]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth
* https://www.lendingcrowd.com/

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* https://www.blender.co.il/ consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* https://www.investnextdoor.com/ - [[w:Invest Next Door]] P2P SMB loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.peerform.com/ - [[w:Peerform]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.upstart.com/ [[w:Upstart (company)]]

Lists of price comparison services

2019-01-08T08:29:57Z

Rooperi68:

This is the Consumerium by country alphabetical list of '''[[w:comparison shopping website|comparison shopping website]]s''', '''price comparison services''' or '''price aggregators'''.

'''These are [[w:metasearch engine|metasearch engine]]s for prices.''' Many of these services are sites combining price comparison with [[w:discovery shopping|discovery shopping]] and [[review aggregators and review sites‎|review aggregators]].

It is clear that the price aggregators will continue to define the price leader and it's level in goods that are traded over the internet. '''[[Consumerium:We|We]] hope that people will be willing to throw in a few extra £€$ for their purchase to support a mom-'n-pop's style brick-'n-mortar more ethical SMEs over huge transnational corporations'''. In the digital way of doing commerce even a small operation can have a catalogue of 1,000's or even 10,000's of items to compete with the big businesses catalogue-wise and if their price is competitive then that will help drive business their way.
[[Image:Buy-local-whiteboard.jpg|thumb|right|400px|Please remember this especially when writing to [[review aggregators and review sites‎|review sites]] and why not even in when deciding where to buy]].

== Global ==

=== Global books price comparison services ===
* [[w:AbeBooks|AbeBooks]] [http://www.abebooks.com/ (.com)]

=== Global flight price comparison services===
* [[w:Flightfox|Flightfox]] [https://flightfox.com/ (.com)] is a '''for-fee service''' that helps you plan your itinerary ( '''no [[w:freemium|freemium]]''' )
* https://www.google.com/flights/ - Google Flights is an online flight booking service which facilitates the purchase of airline tickets through third party suppliers. ( Wikipedia )
:: Localized to many languages. Cheap prices.
* [[w:Hipmunk|Hipmunk]] [https://www.hipmunk.com/ (.com)] is an air ticket fare finder with graphical representation of timetables for the flights. Reasonable prices, though not rock bottom but very convenient way to receive flight information.
* [[w:Hopper (company)|Hopper]] [http://www.hopper.com/ (.com)] is a crowd sourced fare deal finder that colour codes price levels over time. '''Hopper can show 5-6 months of air fare prices in one display''' to help you find the right moment to book and to travel. Requires you to pick specific airports to mak query. Has app for Android and iOS
* [[w:JetRadar|JetRadar]] [http://www.jetradar.com (.com)] is a travel search engine that allows users to compare airline prices and offers, specializing in low cost airfare. Searches SkyScanner, TripAdvisor, KAYAK and Hotels.com.
* [[w:Liligo.com|Liligo]] [http://liligo.com (.com)] is a French flight price comparison service - also available in French, Spanish, Italian, German, Hungarian, Romanian and Portuguese. Android and iOS app available. Searches Bravofly and Ebookers and optionally Opodo, Expedia and Air France
* [[w:passportpremiere.com|Passportpremiere]] [http://www.passportpremiere.com (.com)] is a subscription based site for international business & first class travel. Site uses analytics to determine if current pricing is fairly valued or if lower fares are expected by deferring the purchase. Premiere reviews the 12 month low and demand patterns when performing its analysis. If lowest pricing is expected, members use FARE MONITOR capturing lower fares when fare change happens.
* [[w:Skypicker|Skypicker]] [http://www.skypicker.com/ (.com)] is a flight search engine that allows users to find and to book plane tickets. Skypicker also shows convenient map with lowest prices indicated for each visible destination - '''Extremely cheap flights for random days'''
* [[w:Skyscanner|Skyscanner]] [http://www.skyscanner.net (.net)] searches 1,000+ airlines for best deals. Available in 30+ languages. You may depart or arrive to precise city or any city in the country with skyscanner.
* [[w:Tripdelta|Tripdelta]] [https://tripdelta.com (.com)] offers oneway, roundtrip and multistop flight searches. Good prices.
* http://www.whichbudget.com/ - searches low cost airlines - booking on other booking sites. Does not show prices very well. - '''Extremely cheap flights for random days'''

=== Global hotel price comparison services ===
* http://directrooms.com - meta search engine for hotel accomondation. Scans 250+ hotel booking sites for best rate on given hotel. Android and iOS app available.
* [[w:Hotel Tonight|Hotel Tonight]] [https://www.hoteltonight.com/ (.com)] is a mobile travel app for Android, iOS and Windows phone that lets you seek discounted hotel accomondation in the Americas, Europe and Australia.
* http://www.hotelpricebot.com/ - meta search engine for hotel accomondation. Avalable in Chinese, Arabic, French, Spanish, Japanese, Russian and Italian
* [[w:Hotels.com|Hotels.com]] [http://hotels.com (.com)] by Expedia Inc - meta search engine for hotel accomondation available in most languages of the world
* [[w:HotelsCombined|HotelsCombined]] [http://www.hotelscombined.com/ (.com)] is a hotel metasearch engine in over 40 languages and 120 currencies
* [[w:Prontohotel|Prontohotel]] [http://www.prontohotel.com/ (.com)] is a free hotel travel metasearch engine
* [[w:ThinkHotels.com|ThinkHotels]] [http://www.thinkhotels.com (.com)] is a British online hotel booking portal, registered with British Hospitality Association.
* [[w:trivago|trivago]] [http://www.trivago.com (.com)] - meta search engine for hotel accomondation. Scans 130+ hotel booking sites for best rate on given hotel.

=== Global flight, hotel and car price comparison services ===
* [[w:Dohop|Dohop]] [http://www.dohop.com/ (.com)] flights, hotels and cars. No rock bottom prices but very tunable search parameters. No graphical display. Available in most languages.
* http://www.ebookers.com/ - search for flights, rooms, cars, cruises and deals. Good sort-by options and controls. No graphical display. Android and iOS app available.
* [[w:Expedia (website)|Expedia]] [https://www.expedia.com/ (.com)] flights, hotels, bundles, cars, cruises and activities. Android and iOS app available.
* [[w:FareCompare|FareCompare]] [http://www.farecompare.com/ (.com)] flights, hotels and deals. Clunky and impractical: requires user to tick sites to search and then actually opens those in new windows. Did find a 90€ HKI-PAR deal on the lufthansa site though when others are showing 200+€. Searches Finnair, Momondo, Travel Market, Expedia, CheapOair and Jetcost
* [[w:Kayak.com|Kayak]] [http://www.kayak.com/ (.com)] - flights, hotels, and cars. Available in over 20 languages. '''Has monthly display showing crowdsourced from search results latest lowest found prices.'''
* [[w:lastminute.com|Lastminute]] [http://www.lastminute.com/ (.com)] is an online travel and leisure retailer offering flights, hotels, eurostar, theatre, holidays, spa, gifts and restaurants
* [[w:Mobissimo|Mobissimo]] [http://www.mobissimo.com/ (.com)] - Broken as of July 2018 - Clunky: Opens in new windows the searches to other sites instead of properly aggregating results in single system. Compare prices on flights, hotels, and car rentals. Available in English, French, German, Iltalian, Polish, Spanish, Indian, Japanese. Searches FlightNetwork, Expedia, Ebookers, TripAdvisor and Orbitz.
* [[w:Momondo|Momondo]] [http://www.momondo.com/ (.com)] is a travel metasearch engine that enables users to find and compare prices on airplane tickets, hotels, cars and travel deals.
* [[w:Opodo|Opodo]] [http://www.opodo.com/ (.com)] is an Internet travel agency website offering flights, rooms and cars. Android and iOS app available.
* [[w:Orbitz|Orbitz]] [http://www.orbitz.com/ (.com)] is a web site used to research, plan and book travel by Orbitz Worldwide, Inc. Search for hotels, flights, packages, cars, cruises, deals and activities.
* [[w:StudentUniverse|StudentUniverse]] [https://www.studentuniverse.com/ (.com)] is the world’s leading travel booking site for students and youth.
* [[w:Travelocity|Travelocity]] [https://www.travelocity.com/ (.com)] offers hotels, flights, cars, cruises, packages, things to do and travel deals
* http://www.travelwits.com offers comprehensive search for travel and packages
* [[w:TripAdvisor|TripAdvisor]] [http://www.tripadvisor.com/ (.com)] reviews, prices and booking
* [[w:Webjet|Webjet]] [http://www.webjet.com.au (.com.au)] is a travel booking website offering flights, hotels, holiday packages, cruises, car hire, travel insurance and travel deals. The company has operations in Australia, New Zealand, North America, Singapore and Hong Kong.
* [[w:Wego.com|Wego]] [http://www.wego.com (.com)] is a [[w:travel search engine]] based in Singapore. It operates 52 CcTLD in over 30 languages, and converts prices to 42 currencies. It searches over 700 travel sites, where users compare and book flights, hotels and activities. Wego.com has an app for Android, iOS and Amazon.

=== Global car rental searches ===
* http://www.easycar.com searches mainstream rentals to find best deals. Also in UK [[w:peer-to-peer carsharing]] service https://carclub.easycar.com/

=== Global multimodal and single mode travel price comparison services and traveler routers===
'''Main article:''' [[Lists of shared and alternative transport and traveler routers]].
* '''[[w:Rome2rio|Rome2rio]]''' [http://www.rome2rio.com/ (.com)] is a worldwide [[w:multimodal transport|multimodal]] traveler router that displays realistic prices. The prices it gives are slightly inflated from what you would as a local expect to get it for but they are hitting the mark on what a tourist will pay for booked-on-the-go ticket. '''No direct booking'''.

* '''[[w:GoEuro|GoEuro]]''' [http://www.goeuro.com/ (.com)] - by the GoEuro Corporation is a [[w:Travel website#Fare aggregators and metasearch engines|travel metasearch engine]] which allows users to compare the price and journey time of air, rail and bus travel options in a single search. ( Wikipedia )

* '''Original traveler router "Reiseauskunft"''' [http://reiseauskunft.bahn.de/ (.bahn.de)] is an Europe-wide multi-modal mass transit traveler router by [[w:Deutsche Bahn|Deutsche Bahn]] with ability to purchase tickets for travel within Germany.
:::: Rest of the world: http://www.raileurope-world.com/ by SNCF-Voyage - purchace railway tickets for many european operators in nearly all languages and all currencies

The following don't show prices but are useful to be listed here as well:
* '''[https://maps.google.com/landing/transit/index.html Google Transit]''' (google.com) is a multimodal traveler router
* '''[[w:fromAtoB.com|fromAtoB]]''' [http://www.fromatob.com/ (.com)] is a multimodal traveler router. Via a [[w:software program|software program]], the user can search for a connection between two destinations within [[w:Europe|Europe]]. ( Wikipedia )
* [[w:GetYourGuide|GetYourGuide]] [http://www.getyourguide.com/ (.com)] - by GetYourGuide AG. Activity, leisure and experience finder for tourists and travelers with global scope
* http://www.inspirock.com/ - Itinerary planner for North America and Europe
* [[w:Scout (travel website)|Scout]] [http://www.scoutgps.com/ (scoutgps.com)] offers you suggestions of things to do while traveling
* '''[[w:TripPlannera|TripPlannera]]''' [https://tripplannera.com/ (.com)] is a itinerary planner which has ability to create itinerary from attractions, restaurants, tours and events.
* https://www.amoddo.com/ - Trip planner tool to plan your trip step by step and share it with your friends.

=== Money transfer services comparison ===
* [[w:Moneytis|Moneytis]] [https://moneytis.com/ (.com)] is an online comparator of [[w:money transmitter|money transfer services]] launched in March 2015.

=== Global wine price comparison services ===
* http://www.wine-searcher.com/ - Search for wine deals and dealers - also in German, French, Italian, Spanish, Japanese, Korean and Chinese

== Shopping services by traditional search engines ==
* http://shop.aol.com/lifestyle
* http://shopping.yahoo.com/

----

== Africa and Middle East ==
* [[w:HolidayMe|HolidayMe]] [https://www.holidayme.com/ (.com)] is an online holiday booking website based in Dubai, UAE, catering to the Middle East audience.
* Qarin [http://international.qarin.com/ (.com)]] is a (BROKEN as of 2018-07-15) price comparison service intended for MENA

=== African travel ===
* [[w:Travelstart|Travelstart]] [https://www.travelstart.co.za/ (.co.za)] is one of Africa’s largest online travel booking websites offering flights, hotel bookings, car rental, vacation packages and other travel services through telephone travel agents. As of July 2014, Travelstart operates in South Africa, Namibia, Tanzania, Kenya, Nigeria, Egypt, the UAE, Qatar, Bahrain and Turkey where it trades as Geziko ( Wikipedia )

==== Travel price comparison services in South Africa ====
* BusTicket [https://www.busticket.co.za/ (.co.za)] is a search tool created to help travelers to plan a bus travel. Find all South African bus companies, timetables and ticket fares.

----

=== Egypt ===
* [[w:Pricena|Pricena]] [http://eg.pricena.com/en (.com)] online price search engine for Egypt
* [[w:Yaoota Shopping Engine|Yaoota]] [https://yaoota.com/en/ (.com)] online shopping product search and price search
----
=== Israel ===
* http://www.zap.co.il/
----
=== Kuwait ===
* [[w:Pricena|Pricena]] http://kw.pricena.com/en online price search engine for Kuwait
----
=== Saudi Arabia ===
* [[w:Pricena|Pricena]] http://sa.pricena.com/en online price search engine for Saudi Arabia
----
=== UAE ===
* [[w:Pricena|Pricena]] http://ae.pricena.com/en/ online price search engine for UAE
* PriceDeals http://www.pricedeals.com UAE price comparison website

----

== Asia ==

=== China / 中国的 ===
* [[w:eLong|eLong]] [http://www.elong.net/ (.net)] is a Chinese travel agency and price search
----

=== Hong Kong ===
* iPrice [https://iprice.hk/ (.hk)] [[w:iPrice Group]]

----

=== India / भारत ===
* http://compareindia.ibnlive.com/
* [[w:ShopSmart|ShopSmart]] [https://www.shopsmart.online/ (.online)]
* https://www.bookprice24.in - books
* [[w:Comparometer|Comparometer]] [http://www.comparometer.in/ (.in)]
* [[w:ixigo.com|Ixigo]] [http://www.ixigo.com (.com)] flight, hotel price search in India and trip planner
* http://www.junglee.com
* http://www.matramatri.com/ is an Indian website that helps customers to compare the prices of products in different categories like women fashion, men fashion, Kitchen appliances, mobiles, gadgets, computers, ultra-books, home décor or even ration etc.
* http://www.myleastprice.com/
* https://www.visioncompare.in - contact lenses
* [[w:Mysmartprice|Mysmartprice]] [http://www.mysmartprice.com/ (.com)]
* [[w:TravelTriangle|TravelTriangle]] [http://traveltriangle.com/ (.com)] travel packages
* [[w:Yatra.com|Yatra]] [http://www.yatra.com/ (.com)] is an Indian online [[w:travel agency|travel agency]] and a [[w:travel search engine|travel search engine]]

----

=== Indonesia ===

* iPrice [https://iprice.co.id/ (.co.id)] [[w:iPrice Group]]
* [[w:PricePanda|PricePanda]] [http://www.pricepanda.co.id/ (.co.id)]
* http://www.priceme.co.id/
* [[w:Priceza|Priceza]] [http://www.priceza.co.id/ (.co.id)]
* Katalog [http://Katalog.or.id/ (.or.id)]
* [[w:ButikTrip|ButikTrip]] [http://www.butiktrip.com/ (.com)] Indonesia tour and travel packages
* [[w:TripTrus|TripTrus]] [http://www.triptrus.com/ (.com)] Marketplace for Tour operators in Indonesia
----

=== Japan / 日本 ===
* http://www.become.co.jp/ - by Become Inc.
* http://www.bestgate.net
* http://www.gaz.co.jp/
* http://kakaku.com/

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=== Korea ===
* http://www.bb.co.kr/
* http://www.danawa.com/
* http://www.enuri.com/
----
=== Malaysia ===
* [[w:Imoney.my|Imoney]] [https://www.imoney.my/ (.my)] compare financial services and more
* iPrice [https://iprice.my/ (.my)] [[w:iPrice Group]]
* [[w:Priceza|Priceza]] [http://www.priceza.com.my/ (.com.my)]
* [[w:CompareHero.my|CompareHero MY]] [http://comparehero.my/ (CompareHero.my)]
----

=== Philippines ===
* iPrice [https://iprice.ph/ (.ph)] [[w:iPrice Group]]
* [[w:PricePanda|PricePanda]] [http://www.pricepanda.com.ph/ (.com.ph)]
* http://www.priceme.com.ph/
* [[w:Priceza|Priceza]] [http://www.priceza.com.ph/ (.com.ph)]
----
=== Singapore ===
* iPrice [https://iprice.sg/ (.sg)] [[w:iPrice Group]]
* [[w:PricePanda|PricePanda]] [http://www.pricepanda.com.sg/ (.com.sg)]
* http://www.priceme.com.sg/
* [[w:Priceza|Priceza]] [http://www.priceza.com.sg/ (.com.sg)]
* Singsaver SG [https://www.singsaver.com.sg/ (Singsaver.com.sg)]
----

=== Taiwan ===
* http://www.eprice.com.tw/
----
=== Thailand ===
* [https://ipricethailand.com/ ipricethailand.com] [[w:iPrice Group]]
* [[w:PricePanda|PricePanda]] [http://www.pricepanda.co.th/ (.co.th)]
* http://www.priceme.com/
* [[w:Priceza|Priceza]] [https://www.priceza.com/ (www.priceza.com)]
* [https://finance.rabbit.co.th/en/ Rabbit Finance] - Car and travel insurance comparison for Thailand
* [[w:Silkspan|Silkspan]] [http://silkspan.com/ (.com)] credit cards, revolving loans, car loans, travel assurances, car and home insurances comparison
----

=== Vietnam ===

* iPrice [https://iprice.vn/ (.vn)] [[w:iPrice Group]]
* http://www.priceme.com.vn/
* [[w:Priceza|Priceza]] [http://www.priceza.com.vn/ (.com.vn)]
----

== Australia and Oceania==
=== Australia ===
==== Webshop goods price comparison services in Australia ====
* http://www.getprice.com.au/
* http://www.myshopping.com.au/
* http://www.priceme.com.au/
* http://www.shopbot.com.au/
* http://au.shopping.com/ - by eBay
* [[w:ShopWiki|ShopWiki]] [http://www.shopwiki.com.au/ (.com.au)]

==== Travel price comparison services in Australia ====
* [[w:Airfaresflights.com.au|Airfaresflights]] [http://www.airfaresflights.com.au/ (.com.au)] - international flights
* [[w:Cheapflights|Cheapflights]] [http://www.cheapflights.com.au/ (.com.au)] - flights - owned by [[w:Momondo|Momondo]] Group
* [[w:Wotif.com|Wotif]] [https://www.wotif.com/ (.com)] search for flights, accomodation, packages, activities and cars

==== Financial services price comparison services in Australia ====
* [[w:Credit Savvy|Credit Savvy]] [https://www.creditsavvy.com.au/ (.com.au)] credit score, credit cards, home loans, personal loans, car loans
* [[w:Mozo|Mozo]] [http://mozo.com.au/ (.com.au)] investments, insurance, banking and more

==== Fuel price comparisons in Australia ====
* https://motormouth.com.au/ find cheapest gas price in your area - Android and iOS app available

==== Services finders ====
* [[w:Service Seeking|Service Seeking]] [http://www.serviceseeking.com.au/ (.com.au)]

==== Utilities and fuel price comparison services in Australia ====
* http://www.energywatch.com.au/ - will compare your electricity and gas rates and advise best deals
* [[w:FuelWatch|FuelWatch]] [http://www.fuelwatch.wa.gov.au/fuelwatch (.gov.au)]
* http://www.selectandswitch.com.au/
* [[w:Switchwise|Switchwise]] [http://www.switchwise.com.au/ (.com.au)]] - save on electricity, gas and renewables

----

=== New Zealand ===
* http://pricespy.co.nz/
* http://www.priceme.co.nz/
----

== Europe ==
* [[w:Loco2|Loco2]] [https://loco2.com/ (.com)] allows you to book european train connections across 12 countries
* [[Lists of shared and alternative transport and journey planners|Many journey planners also act as a price comparison service]]

=== Austria / Österreich ===
==== Preisvergleichsportal im Osterreich ====
* http://www.bookbutler.at/
* http://www.getprice.at/

==== Finanz, Strom, Gas, DSL, Handy Preisvergleichsportal im Osterreich ====
* http://www.e-control.at/home_de - Strom und Gas
----
=== Belgium / Belgique ===
==== Comparateurs de prix pour la Belgique ====

* [[w:fr:Kelkoo|Kelkoo]] [http://fr.kelkoo.be/ (.be) en français]
* [[w:Kelkoo|Kelkoo]] [http://nl.kelkoo.be/ (.be) in Dutch]
* http://www.comparer.be/ par [[w:Compare Group|Compare Group]]
* http://www.vergelijk.be/ par [[w:Compare Group|Compare Group]]

==== Comparateurs de prix de carburant pour la Belgique ====
* [https://belgique.carbu.com/ CARBU.com] pour la Belgique
* [http://www.prix-carburants.be www.prix-carburants.be] pour la Belgique
----

=== Czech Republic ===

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=== Cyprus / Κύπρος ===
* Ppissis.com.cy [https://www.ppissis.com.cy/ (com.cy)] - The price comparison engine of Cyprus | Η μηχανή σύγκρισης τιμών της Κύπρου

----

=== Denmark / Dansk ===
* http://www.bogpriser.dk/ - Book prices
* http://dk.choozen.com/ by [[w:fr:Leguide.com]]
* http://www.dvdpriser.dk/
* http://www.edbpriser.dk/
* [[w:Kelkoo|Kelkoo]] [http://www.kelkoo.dk/ (.dk)]
* https://pensum.dk/ - New and used books prices
* [[w:da:Pricerunner|PriceRunner]] [http://www.pricerunner.dk/ (.dk)] - by ValueClick
* http://www.spilpriser.dk/ - Games
----

=== Finland / Suomi ===
Tämä on Kuluttajisto (Consumerium) kuluttajien voimaannuttamishankkeen toimialoittain aakkosellinen lista Suomessa relevanteista [[w:fi:hintaseuranta|hintaseurantapalvelu]]ista.

* [[Lists of alternative financial services#List of P2P financial services in Finland|Lista vertaislainapalveluista Suomessa]] - lainaa vertaisilta vertaisille. Mahtava esim. pikavippihelvetistä ulospääsemiseen ja miksei myös PK-yrityksen pienlainaukseen. Pankille nollan prosentin siivu.

==== Car price comparison services in Finland ====
Autojen hintaseuranta
* https://www.auto1.fi/hintaseuranta/ tracking car prices over time. Great for getting the ballpark on price of used cars in Finland. Käytettyjen autojen hintaseurantapalvelu. Näppärä käytetyn auton pyyntöhintojen vilkaisulla näyttävä työkalu.

==== List of loan comparators in Finland ====
* http://www.bank24.fi/ loan comparator. Range from 100 to 70,000€
* https://www.borrow.fi/ loan comparator. Range from 100 to 70,000€
* https://financer.com/fi/ - compares payday loans, consumer loans and credit card deals for you. Vertailee pikavippejä, pienlainoja ja luottokorttidiilejä puolestasi.
* http://haelainaa.biz/ loan comparator with a range from 10 to 70,000€
* https://www.haenyt.fi/ loan comparator with a range from 500 to 50,000€
* https://kingrahoitus.fi loan comparator with a range from 10 to 70,000€
* https://lainoittaja.fi - Kilpailuttaa 500€ - 50 000€ vakuudettomat lainat usealta eri pankilta ja rahoituslaitokselta.
* https://www.lainaanopeasti.biz.biz// loan comparator with a range from 10 to 70,000€
* https://www.lendo.fi/ loan comparator with a range from 500 to 60,000€
* https://www.nopeelaina.fi/ is a loan comparator for consumers. Range is from 100 to 50,000€
* https://www.omalaina.fi/ loan comparator with a range from 100 to 60,000€
* https://www.rahalaitos.fi/ is a loan comparator for consumers. Compare loans ranging from 500 to 70,000€
* http://www.tuntitili.fi is a loan comparator for consumers. Range is from 100 to 50,000€
* https://www.vertaaensin.fi/laina is a loan comparator for consumers. Compare loans ranging from 500 to 50,000€
* https://www.vertaalaina.fi/lainavertailu.html is a loan comparator for consumers. Compare loans ranging from 100 to 60,000€
* https://www.vertaaluotto.fi/ loan comparator. Range from 100 to 60,000€
* http://vippi.biz/vippivertailu/
* http://www.vippihaku.fi/
* https://www.zmarta.fi/ loan comparator by Freedom Rahoitus Oy with a range from 500 to 60,000€

==== Price comparison services for electronics and other goods sold in webshops in Finland ====
Hintaseurantapalvelut elektroniikalle ja muille webshopeissa myytäville tuotteille Suomessa.
* http://hinta.fi/ search with search term, manufacturer part code, [[GTIN]] and [[EAN]].
* http://www.edukas.fi/ - electronics, computers, peripherals price search
* http://hintaseuranta.fi/ entertainment and electronics, home and family, style and wellbeing, sport and outdoors and travel price searches.
* http://www.vertaa.fi - mostly electronics price comparisons but also other fields by the [[w:Compare Group|Compare Group]]
* http://vertailu.info/ compares over 40 webshops to find you best price for electronics, computers and more

==== Price comparison services for items sold in supermarkets ====
Hintaseurantapalavelut päivittäistavaroille Suomessa.
* http://www.hintapuntari.fi/ covers 34 convenience store and electronic(s) stores and will give you price based on search term and area.

==== Travel price comparison services in Finland ====
Matkustushintaseurantapalvelut Suomessa
* http://www.eticket.fi - search for flights, rooms, cars and more ( in Finnish, [http://www.eticket.fi/sv#!/ Swedish] and [http://www.eticket.fi/en#!/ English] )
* [[w:Expedia (website)|Expedia]] [http://www.expedia.fi/ (.fi)] - search for flights, hotels, cars and more
* http://www.sky24.fi/ - search for flights. Convenient table view of return prices to get the best deals when date of travel is not set in stone.
* http://www.supersaver.fi/ - search for flights, rooms, cars and more
* http://www.travellink.fi/ - search for flights, rooms, cars and more

==== Gasoline and other fuel price comparison services in Finland ====
* http://www.polttoaine.net/ - independent gasoline, natgas, boat stations, heating oil and pellet price comparison service
----

=== France ===
Ce-ci est la liste des [[w:fr:Comparateur de prix|Comparateurs de prix]] par Consumerium le mouvement d'autonomisation des consomateurs.

==== Comparateurs de prix pour les livres en français ====
* [[w:AbeBooks|AbeBooks]] [http://www.abebooks.fr/ (.fr)] is an online marketplace for books - Comparer la prix des livres

==== Comparateurs de prix de carburant ====
[[w:fr:Comparateur de prix de carburant]]
* [http://mon-essence.fr Mon-ESSENCE.FR] pour la France
* [http://www.prix-carburants.gouv.fr www.prix-carburants.gouv.fr]

==== Comparateurs de prix des vols et voyages en français ====

* http://www.cheapvols.fr/ - flights - vols
* [[w:fr:VoyagerMoinsCher.com|VoyagerMoinsCher]] [http://www.voyagermoinscher.com/ (.com)] - Vols, hôtels, voitures, croisières etc. en francais. is a French [[w:price comparison|price comparison]] [[w:website|website]] specialised in finding travel deals. The site compares flights, holidays, tours, cruises, weekend breaks, hotels and holiday rentals in over 150 countries from France’s biggest [[w:Tour operator|travel operators]]. It gives internet users access to [[w:search engines|search engines]], [[w:metasearch engines|metasearch engines]] and promotional deals.

==== Comparateus de prix en français ====

* http://www.acheter-moins-cher.com/
* http://www.achetezfacile.com/
* http://www.buycentral.fr/
* http://www.choozen.fr/ par [[w:fr:Leguide.com]]
* [[w:fr:Kelkoo|Kelkoo]] [http://www.kelkoo.fr/ (.fr)]
* http://www.comparer.fr/ par [[w:Compare Group]]
* http://www.monsieurprix.com/
* [[w:fr:NexTag|NexTag]] [http://www.nextag.fr/ (.fr)] - by Nextag, Inc.
* http://www.leguide.com/
* http://www.lesprixducoin.com/
* http://www.rue-montgallet.com/prix/
* http://fr.shopping.com/ - by eBay
* [[w:ShopWiki|ShopWiki]] [http://www.shopwiki.fr/ (.fr)]
* http://www.shopzilla.fr/ - by ShozillaInc.
* [[w:Twenga|Twenga]] [http://www.twenga.fr/ (.fr)]
----

=== Germany / Deutschland ===

Ein [[w:de:Preisvergleichsportal|Preisvergleichsportal]] ist eine Website, auf der Verbraucher zu einem gesuchten Produkt mehrere Onlineshops auf einer Seite finden, um deren Preis zu vergleichen. ( Wikipedia)

* http://www.preisauskunft.de/ compares german price comparison services

==== Meta-Suche ====
* http://preisvergleichsservice.de/ meta-suche für Preisvergleichportal

==== Preisvergleichsportal für Apothekenpreise====
* https://www.apomio.de/
* http://www.medikamentepreisvergleich.de/
* https://www.medipreis.de/
* http://www.medpreis.de/
* http://www.medizinfuchs.de/

==== Kontaktlinsen-Preisvergleich & Brillen ====

* http://www.kontaktlinsen-preisvergleich.de/
* http://www.lenscheck.de/

==== Preisvergleichsportal für Blumen ====
* https://www.blumen.de/

==== Preisvergleichsportal für Bucher, Musik und Film ====
* [[w:AbeBooks|AbeBooks]] [http://www.abebooks.de/ (.de)] is an online marketplace for books.
* http://www.bookbutler.de/
* http://www.buch24.de/
* http://www.buchpreis24.de/
* http://www.daistesja.de/ - Bucher, Film, Musik
* http://www.dvdiggle.de/ - DVD
* http://www.findmybook.de/

==== Preisvergleichsportal für Flüge und Reise ====
* http://www.airline-direct.de/ - Flüge und Mietvagen
* http://www.cheapflug.de/ - Flüge

==== Preisvergleichsportal für Bilder====
* http://www.bessere-bilder.de/
* http://www.bilder-dienste.de/
* http://billige-fotos.de/

==== Preisvergleichsportal für Wein====
* http://www.wein.cc/
* http://www.whiskyworld.de/

==== Preisvergleichsportal im Deutschland ====
* http://www.4phones.de/
* http://www.auspreiser.de/
* http://www.autoprice.eu/de/ - New and used car prices from dealerships
* http://www.billiger.de/
* http://www.chip.de/preisvergleich/
* http://www.choozen.de/ by [[w:fr:Leguide.com]]
* http://www.findashop.de/
* http://geizhals.de/
* http://www.geizkragen.de/
* http://www.getprice.de/
* http://www.gimahhot.de/
* http://www.gooster.de/
* http://www.guenstig.de/
* http://www.guenstiger.de/
* [[w:de:Idealo.de|Idealo]] [http://www.idealo.de/ (.de)]
* http://www.ladenzeile.de/
* [[w:de:Kelkoo|de:Kelkoo]] [http://www.kelkoo.de/ (.de)]
* http://www.pikengo.de/ by [[w:fr:Leguide.com]]
* http://www.preis.de/
* http://www.preisomat.com/
* http://www.preisroboter.de/
* http://www.preissuche.de/
* http://www.preissuchmaschine.de/
* http://www.preisvergleich.org/
* http://de.preiszeiger.eu/
* http://www.produkt-detektiv.de/
* http://meta-preisvergleich.de/
* http://www.meta-preissuche.de/
* http://www.mistershoplister.de/
* [[w:deNexTag|NexTag]] [http://www.nextag.de/ (.de)] - by Nextag, Inc.
* http://www.nice-prices.de/ - multi-field price search engine
* [[w:PriceRunner|PriceRunner]] [http://www.pricerunner.de/ (.de)] - by ValueClick
* http://www.sat-bay.de/
* http://www.schnaeppchenjagd.de/
* http://www.schottenland.de/
* http://www.shoppark.de/
* http://de.shopping.com/ - by eBay
* http://www.shoppinglotse.de/
* http://www.shopwahl.de/
* https://www.shopwelt.de/
* http://www.shopzilla.de/ - by Shopzilla Inc.
* [[w:Twenga|Twenga]] [http://www.twenga.de/ (.de)]
* http://www.valoony.de/ - Kleidung

* http://www.yopi.de/

==== Finanz, Strom, Gas, DSL, Handy Preisvergleichsportal im Deutschland ====
* http://www.billiger-telefonieren.de/
* http://www.check24.de/
* http://www.teltarif.de/
* http://www.toptarif.de/
* http://www.verivox.de/
----

=== Greece / Ελλάδα ===
* http://www.less.gr/
----
=== Ireland / Eire ===
* http://www.bonkers.ie/ by Bonkers Money Ltd - compare digital tv, broadband & home phone, credit cards, prepaid money cards, gas & electricity prices, personal loans, mortgages, savings accounts, and current accounts.

----

=== Italy / Italia ===
* http://www.buycentral.it/
* http://www.cheapvoli.it/ - flights
* http://www.choozen.it/ by [[w:fr:Leguide.com]]
* [[w:it:Kelkoo|Kelkoo]] [http://www.kelkoo.it/ (.it)]
* http://www.pikengo.it/ by [[w:fr:Leguide.com]]
* [[w:Twenga|Twenga]] [http://www.twenga.it/ (.it)]
----

=== Netherlands / Nederlands ===
* http://www.beslist.nl/
* https://www.boekspeurder.com/
* http://nl.choozen.com/ by [[w:fr:Leguide.com]]
* http://www.kieskeurig.nl/
* [[w:ShopWiki]] [http://www.shopwiki.nl/ (.nl)]
* [[w:Twenga|Twenga]] [http://www.twenga.nl/ (.nl)]
* https://photobooths-huren.nl/ - prijsvergelijking en overzichten van fotohokjes
----

=== Norway / Norge ===
* [[w:no:Kelkoo|Kelkoo]] [http://www.kelkoo.no/ (.no)]
----
=== Poland / Polska ===
* http://pl.choozen.com/ by [[w:fr:Leguide.com]]
* https://financer.com/pl/ compare payday loans, consumer credit and car loans
* [[w:Twenga|Twenga]] [http://www.twenga.pl/ (.pl)]
----

=== Russia / Россия ===

----

=== Slovakia ===

----

=== Spain / España ===
[[w:es:Sitio de comparación de precios|Sitios de comparación de precios]]
* [[w:Buscapé|Buscapé]] [http://www.buscape.es/ (.es)] a comparison shopping website
* http://www.cheapvuelos.es/ - flights
* http://www.choozen.es/ by [[w:fr:Leguide.com]]
* http://www.comparaiso.es/ by Decision Technologies Ltd. - Comparador de Ofertas y Precios de ADSL
* [[w:es:Gopili|Gopili]] [http://www.gopili.es/ (.es)] features, train, coach, flight and ride sharing possibilities. Android and iOS app available.
* http://www.iberlibro.com/ by [[w:es:AbeBooks|AbeBooks]] is an online marketplace for books.
* [[w:Kelkoo|Kelkoo]] [http://www.kelkoo.es/ (.es)]
* http://www.pikengo.es/ by [[w:fr:Leguide.com]]
* [[w:ShopWiki]] [http://www.shopwiki.es/ (.es)]
* [[w:Twenga|Twenga]] [http://www.twenga.es/ (.es)]

=== Loan comparators in Spain ===
* https://loansmart.es/ Compare short term credits and loans - Compare los créditos a corto plazo y los préstamos
----

=== Sweden / Sverige ===
[[w:sv:Prisjämförelsetjänst|Prisjämförelsetjänst]] är en typ av webbplats som gör det möjligt för en köpare att jämföra priser på en vara eller en tjänst hos olika leverantörer. ( Wikipedia )

* http://www.bokfynd.nu/ - Böcker
* http://se.choozen.com/ by [[w:fr:Leguide.com]]
* [[w:sv:Kelkoo|Kelkoo]] [http://www.kelkoo.se/ (.se)]
* [[w:sv:Pricerunner|Pricerunner]] [http://www.pricerunner.se/ (.se)]- By ValueClick
* https://www.prisjakt.nu/
* [[w:Twenga|Twenga]] [http://www.twenga.se/ (.se)]

==== List of financial services comparators in Sweden ====
* https://advisa.se/ compare loans from 5,000 to 600,000SEK
* https://www.compricer.se/privatlanansokan/ compare loans and much more. Range from 2000 to 500,000SEK
* https://enklare.se/ loan comparator. Range from 20,000 to 500,000SEK
* https://financer.com/sv/ jämför sms lån, privatlån, kreditkort & sparräntor - compare payday loans, consumer loans and credit card deals
* https://www.lendo.se/ loan comparator. Range from 10,000 to 500,000SEK
* https://loansmart.se/ Jämför smslån och privatlån - Compare short term credits and loans
* https://www.lånapengar.com/ loan comparator from 500 to 600,000SEK
* http://minalån.se/ loan comparator for payday loans and personal loans
* https://www.myloan.se/ compare loans from 5,000 to 500,000SEK
* https://www.privatlån.com/ loan comparator with range from 5,000 to 600,000SEK
* https://www.zmarta.se/ compare loans, auto insurance, savings, electricity, home insurance, credit cards and mobiles
----

=== Switzerland ===
* http://www.aktionis.ch/
* http://www.bookbutler.ch/
* https://www.buchpreis24.ch/
* http://www.barometredesprix.ch/
* http://www.getprice.ch/
* http://www.toppreise.ch/
----
=== UK ===

==== UK consumer goods price comparison services ====

* http://www.become.co.uk/ . by Become Inc.
* http://www.buycentral.co.uk/ - consumer goods by Become Europe GmbH
* http://www.choozen.co.uk/ - Europe-wide shopping search
* http://www.comparestoreprices.co.uk/
* [[w:DealNews|DealNews]] [http://dealnews.com/ (.com)] is a consumer goods price comparison service
* http://www.foundem.co.uk/ - Vertical search engine for consumer goods in UK by Infederation Ltd
* [[w:Idealo|Idealo]] [http://www.idealo.co.uk/ (.co.uk)] by Idealo Internet GmbH owned by [[w:Axel Springer SE|Axel Springer SE]]
* [[w:Kelkoo|Kelkoo]] [http://www.kelkoo.co.uk/ (.co.uk)]
* [[w:mySupermarket|mySupermarket]] [http://www.mysupermarket.co.uk (.co.uk)] enables you to view prices and shop in [[w:Asda]], [[w:Sainsbury's]], [[w:Tesco]], Whiterose and Oscado
* [[w:NexTag|NexTag]] [http://www.nextag.co.uk/ (.co.uk)] - by Nextag, Inc.
* http://www.onlinepriceguide.co.uk/
* http://www.planetprices.co.uk/
* http://www.pricechecker.co.uk/
* [[w:PriceGrabber|PriceGrabber]] [http://www.pricegrabber.co.uk/ (.co.uk)]
* [[w:PriceRunner|PriceRunner]] [http://www.pricerunner.co.uk/ (.co.uk)]
* http://www.priceinspector.co.uk/
* http://www.shopomo.com/ - Advertising-free product search and comparison
* [[w:Shopping.com|Shopping]] [http://uk.shopping.com/ (.com)] - by [[w:Ebay|Ebay]]
* [[w:ShopWiki|ShopWiki]] [http://www.shopwiki.co.uk/ (.co.uk)]
* [[w:Shopzilla|Shopzilla]] [http://www.shopzilla.co.uk/ (.co.uk)] by Shopzilla Inc.
* http://skinflint.co.uk/
* [[w:TheFind.com|TheFind]] [http://www.thefind.co.uk/ (.co.uk)] is a [[w:discovery shopping|discovery shopping]] search engine and shop aggergator
* [[w:Twenga|Twenga]] [http://www.twenga.co.uk/ (.co.uk)]

==== UK books, DVDs, games and CDs price comparison services ====
* http://www.123pricecheck.com/ - books, music, DVDs and games
* [[w:AbeBooks|AbeBooks]] [http://www.abebooks.co.uk/ (.co.uk)] is an online marketplace for books.
* http://www.best-book-price.co.uk/
* http://www.bookbutler.co.uk/ - New books
* http://www.bookfinder4u.com/ - new and used books, textbook rentals
* http://www.bookprice24.co.uk - books
* http://www.find-cd.co.uk/ - find best CD prices in online stores
* http://www.find-dvd.co.uk/ - find best DVD prices in online stores

==== UK car service and garage price comparison services ====
* https://tootcompare.com/ by The Motorists' Organisation - find car repair and servicing services by entering you licence plate number and postcode

==== UK contact lens price comparison services ====
* https://www.visioncompare.co.uk/

==== UK digital services price comparison services ====
* [[w:BillMonitor|BillMonitor]] [http://www.billmonitor.com/ (.com)]] by Optimor Limited - Billmonitor matches you to exactly the right mobile contract to save money
* http://www.broadband.co.uk/ - find the best broadband deals by postcode or telephone number
* http://www.broadbandchoices.co.uk/ by Decision Technologies Limited
* http://www.broadbanddeals.co.uk/
* http://www.broadbandgenie.co.uk/
* http://www.cable.co.uk/ by Existent Ltd - compare broadband and phone plans
* http://www.confused.com - Confused.com to compare deals
* http://www.happyduck.co.uk - Compare broadband, phone and TV deals
* http://www.money.co.uk - Compare broadband and phone deals
* http://www.moneysupermarket.com - Compare broadband plans
* http://www.seekbroadband.co.uk/
* [[w:Simplifydigital|Simplifydigital]] [http://www.simplifydigital.co.uk/ (.co.uk)] by Simplify Digital Limited - save on digital services, broadband, tv, phone etc.
* https://broadbandinternetuk.com/ - compare broadband deals
* http://www.uswitch.com/ - uSwitch broadband price comparison

==== UK financial services price comparison services ====
* https://www.choosewisely.co.uk/ loan comparator
* http://www.comparethemarket.com by the [[w:BGL Group|BGL Group]] specializes in insurance, money, utilities, broadband & phone, business and travel
* [[w:Confused.com|Confused]] [http://www.confused.com/ (.com) - insurance, saving, spending, utilities etc. by the [[w:Admiral Group|Admiral Group]]
* https://www.experian.co.uk/ compare loans, credit cards, mortgages and get your credit score assessed
* http://www.fairinvestment.co.uk/ - investments, funds, savings, insurance, mortgages etc.
* https://www.kwikcash.co.uk/ compare payday loans
* https://www.lenderscompared.org.uk/ loan comparator
* https://www.lovemoney.com - compare credit cards, loans, mortgages, life insurance, savings accounts, current accounts, ISAs, gas and electricity, car insurance, home insurance, travel insurance, free credit report
* [[w:Money.co.uk]] [http://www.money.co.uk/ (.co.uk)]
* http://www.moneyexpert.com/ - money, debt, insurance and utilities
* [[w:Moneyfacts|Moneyfacts]] [http://moneyfacts.co.uk/ (.co.uk)] by Moneyfacts PLC - Finance, investment, loans comparisons etc.
* http://www.moneynet.co.uk/ by MNMG ltd - compare mortgages, loans, insurance, banking, saving and credit cards
* [[w:Moneysupermarket.com|Moneysupermarket]] [http://www.moneysupermarket.com/ (.com)] compare insurance, investment etc.
* https://www.quotezone.co.uk/ compare loans, insurance, utilities and more
* https://www.totallymoney.com/ compare loans, mortgages, credit cards and get a credit score and report for free
* https://www.ukloans.co.uk/ loan comparator

==== UK fragrances price comparison services ====
* http://www.cheapperfumeexpert.com/ by Fast Lane Traffic Online - includes historical price tracking tool
* http://www.fragrancescompared.co.uk/

==== UK utilities price comparison services ====

* https://www.theenergyshop.com/ - An award winning energy price comparison site which displays complex search results graphically
* [[w:Gocompare.com|Gocompare]] [http://www.gocompare.com/ (.com)]compare insurance, utilities and more
* [[w:money.co.uk|Money.co.uk]] [http://www.money.co.uk/ (.co.uk)]compare insurance, energy, utilities and more
* HappyDuck [http://www.happyduck.co.uk/ (.co.uk)] - The price comparison website for gas and electricity
* [[w:UK Power|UK Power]] [http://www.ukpower.co.uk/ (.co.uk)] - compare all energy providers in the UK
* [[w:uSwitch|uSwitch]] [http://www.uswitch.com/ (.com)] - The site handles gas, electricity, water, home telephone, broadband, digital television, mobile phones, personal finance products, heating cover and car insurance, with a number of new markets in the pipeline.

==== UK mobile phone price comparison services ====

* http://www.mobilechecker.co.uk/ - mobile phones
* http://www.mobiles4everyone.com/ - mobile phones
* http://www.phoneslimited.co.uk/

==== UK travel price comparison services ====

* [[w:Cheapflights|Cheapflights]] [http://www.cheapflights.co.uk/ (.co.uk)] cheap flights finder by [[w:Momondo|Momondo]]
* [[w:CheapOair|CheapOair]] [http://www.cheapoair.co.uk/ (.co.uk)] - flights, hotels, car hire, travel deals
* [[w:Dealchecker|Dealchecker]] [http://www.dealchecker.co.uk/ (.co.uk)] compare flights, holidays, hotels, cruises and car hire
* [[w:Direct Ferries|Direct Ferries]] [http://www.directferries.co.uk/ (.co.uk)] Compare ferry prices and more
* http://www.farebuster.co.uk/
* [[w:Gopili|Gopili]] [http://www.gopili.co.uk/ (.co.uk)] features, train, coach, flight and ride sharing possibilities.
* [[w:Icelolly.com|Icelolly]] [http://www.icelolly.com/ (.com)] UK holiday price comparison site

==== UK wine price comparison services ====
* http://www.quaffersoffers.co.uk/search_offers - Search for wines in the UK

==== UK bargain finders ====
* http://www.dealtime.co.uk/

==== UK DIY and renovation price comparison services ====
* http://www.tooldirect.co.uk/

==== Magazine price comparison services ====
* http://www.magazines-subscriptions.co.uk/
----

== North America ==

=== Canada ===

==== Canadian consumer goods price comparison services ====
* [[w:NexTag|NexTag]] [http://www.nextag.ca/ (.ca)]
* [[w:PriceGrabber|PriceGrabber]] [http://www.pricegrabber.ca/ (.ca)]
* http://www.shopbot.ca/

==== List of financial services comparators in Canada ====
* https://www.greedyrates.ca/ credit card comparator
* https://www.quotescalculator.com/ compare personal loans (from 1,000 to 100,000CAD), car insurance and car loans
* https://www.ratehub.ca/ compare mortgages, credit cards, investments, saving and chequing
* https://www.ratesupermarket.ca/ compare mortgages, credit cards, banking services, investments, loans and insurance
* https://smarter.loans/ loan search, lender comparison and credit cards
* http://www.whichwaytopay.ca/ compare loans, credit cards, insurance and more

==== Canadian travel price comparison services ====
* [[w:Cheapflights|Cheapflights]] [http://www.cheapflights.ca/ (.ca)] - flights
* [[w:CheapOair|CheapOair]] [http://www.cheapoair.ca/ (.ca)] - flights, hotels, car rental etc.
* [[w:Wanderu|Wanderu]] [https://www.wanderu.com/ (.com)] is a ground travel meta-search website that helps travelers find and book inter-city bus and train travel in North America.

==== Gas price services in Canada ====
* http://www.ottawagasprices.com/
----

=== USA ===
==== US consumer goods price comparison services and meta sites ====
* http://www.become.com/ - electronics, home, garden, computers, cameras, clothing, health, beauty and more
* http://www.bizrate.com/
* http://shopper.cnet.com/ - by cnet
* https://www.gosale.com/
* [[w:mySimon|mySimon]] [http://www.mysimon.com/ (.com)] compares clothing, jewelry, shoes, kids, home decor, beauty, electronics and computers
* [[w:NexTag|NexTag]] [http://www.nextag.com/ (.com)]
* http://www.price.com/ - Android and iOS app available
* [[w:PriceGrabber]] [http://www.pricegrabber.com/ (.com)]
* http://www.priceviewer.com/
* http://www.pricewatch.com/ - Est 1995
* [[w:Pronto.com]] [http://www.pronto.com/ (.com)]
* [[w:ShopLocal]] [http://www.shoplocal.com/ (.com)] - Find sales and coupons near you by [[w:Tegna,_Inc.#TEGNA_Digital|TEGNA Digital]]
* http://www.shopmania.com/
* http://www.shoppingspot.com/
* [[w:ShopWiki|ShopWiki]] [http://www.shopwiki.com/ (.com)]
* [[w:Shopzilla|Shopzilla]] [http://www.shopzilla.com/ (.com)
* http://www.sortprice.com/

==== Books, DVDs and CDs price comparison services in USA ====
* http://www.addall.com/
* http://www.allbookstores.com/
* http://www.bookbutler.com/
* [[w:BookFinder.com|BookFinder]] [http://www.bookfinder.com/ (.com)]
* https://www.bookprice24.com - books
* http://www.booksprice.com/
* http://www.bublos.com/
* http://www.campusbooks.com/ - buy rent or sell textbooks
* http://www.dealoz.com/ - buy, sell and rent books
* http://www.directtextbook.com/ - buy, rent and sell books
* http://www.dvdpricesearch.com/
* http://www.isbn.nu/
* http://www.textbookland.com/ - Textbooks since 1999

==== Health service search engines in USA ====
* https://www.healthinreach.com/search/ formerly known as [[w:PriceDoc.com]] is a discount price finder for health services.

==== US mobile phone price comparison services ====
* [[w:MyRatePlan.com|MyRatePlan]] [http://www.myrateplan.com/ (.com)] is a mobile phone, phone service, and credit card comparison website owned and operated by Wind N Sea Technology Partners, LLC

==== US travel price comparison services ====
* [[w:Gotobus|Gotobus]] [http://www.gotobus.com/ (.com)] by IvyMedia Corporation specializes in coach and bus travel. Also hotels, deals and experiences
* [[w:Cheapflights|Cheapflights]] [http://www.cheapflights.com/ (.com)]] flights by [[w:Momondo|Momondo]] Group formerly Cheapflights Media Ltd
* http://www.cheapoair.com/ - flights
* [[w:Priceline.com|Priceline]] [https://www.priceline.com/ (.com)] is an American website that helps users obtain discount rates for travel-related purchases such as flights, hotel stays, cars, vacation packages, cruises and more.
* [[w:Wanderu|Wanderu]] [https://www.wanderu.com/ (.com)] is a ground travel meta-search website that helps travelers find and book inter-city bus and train travel in North America.
* http://www.busbuster.com/ is a bus travel site that helps passengers to search bus ticket. Travelers can compare information as bus schedules, ticket fares, and stations.

==== US car prices ====
* http://www.msn.com/en-us/autos

==== US contact lens price comparison services ====
* https://www.visioncompare.com

==== Insurance and financial price comparison services in the US ====
* [[w:Compare.com|Compare]] [http://www.compare.com/ (.com)] auto, health, life, home, mobile plans, small business, travel
* [[w:The Zebra|The Zebra]] [https://www.thezebra.com/ (.com)] compare insurance quotes.

==== US fuel price comparison services ====
* [[w:GasBuddy.com|GasBuddy]] [http://www.gasbuddy.com/ (.com)] operates websites and mobile apps that report fuel prices to the public through crowdsourcing and relationships with stations and credit card -companies.
* http://www.gasprice.com - filter by zip, company and grade
* http://www.gaspricewatch.com/ search by city or zip code
* http://www.gastips.com/ - user submitted gas prices for US and Canada
* http://www.eia.gov/petroleum/gasdiesel/ by U.S. Energy Information Administration
* https://www.ezhomeheating.com/
* http://www.fuelgaugereport.com/ by AAA
* http://www.fuelmeup.com/ search by zip code a http://www.clickleasing.com/ service

==== Real estate price trackers in the US ====
* http://realestate.aol.com/

==== US event ticket finders ====
* [[w:Rukkus.com|Rukkus]] [https://rukkus.com/ (.com)]

==== US electronic parts finders ====
* https://octopart.com/ search by part number or keyword
* http://www.allaboutcircuits.com/electronic-components/ search by part number or keyword

==== US deal finders ====
* http://www.cnet.com/deals/

==== US perfume price comparison sites ====
* http://www.perfumetr.com/

==== US diamond finder sites ====
* [[w:Rare Carat]] [https://rarecarat.com/ (.com)]
----

=== Mexico ===
* http://mx.preciomania.com/
* [w:Wanderu|Wanderu]] [https://www.wanderu.com/es-mx/ (.com)] is a ground travel meta-search website that helps travelers find and book inter-city bus and train travel in North America.
* http://www.busbuster.com/ is a bus travel site that helps passengers to search bus ticket in Mexico and USA. Travelers can compare information as bus schedules, ticket fares, and stations.

----

== South America ==
=== Argentina ===
* [[w:Buscapé|Buscapé]] [http://www.buscape.com.ar/ (.com.ar)]

----

=== Brasil / Brazil ===
* [[w:Buscapé|Buscapé]] [http://www.buscape.com.br/ (.com.br)]
* http://www.jacotei.com.br/
* [[w:pt:Kelkoo|Kelkoo]] [http://www.kelkoo.com.br/ (.com.br)]
* http://br.preciomania.com/ by Pricegrabber
----

=== Chile ===

----

=== Colombia ===
* [[w:Buscapé|Buscapé]] [http://www.buscape.com.co/ (.com.co)]

----

=== Paraguay ===
* http://www.comprasnoparaguai.com/

----

=== Venezuela ===
*[[w:Buscapé|Buscapé]] [http://www.buscape.com.ve/ (.com.ve)]

----
== See also ==
* [[Review aggregators and review sites‎]]
* [[w:Discovery shopping]]

Lists of alternative financial services

2019-01-08T08:25:19Z

Rooperi68:

This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''.

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

= Consum(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? What are alternative financial services? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----

= Multiple countries / global =
* https://www.bitbond.com - Global BTC based P2P lending
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s
* http://www.kiva.org/ [[w:Kiva (organization)]] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://loanbase.com/
* https://www.twino.eu/
* http://www.unitedprosperity.org/ - [[w:United Prosperity (organisation)]]
* http://www.vittana.org/ - [[w:Vittana]] microcredit for the developing world
* https://www.zidisha.org/ - [[w:Zidisha]] microcredit for Africa and Asia

= Meta-Searches =
* http://www.p2pmoney.co.uk/companies.htm comparison chart of P2P sites

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* [[w:DirectMoney|DirectMoney]] [https://www.directmoney.com.au/ (.com.au)]
* https://www.societyone.com.au/

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
* http://english.creditease.cn/
* https://www.lu.com/ - [[w:Lufax]]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Honk Kong ===
* https://www.welend.hk/ by http://www.welab.co/

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* https://milaap.org/ [[w:Milaap]] microfinance

== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* https://www.harmoney.co.nz/ - [[w:Harmoney]]

== Singapore ==
=== List of P2P financial services in Singapore ===
* https://www.fundingsocieties.com/

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ P2P lending service

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.zltymelon.com/

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://crowdestate.eu/ (2014)
* https://estateguru.co/ was originally named https://www.estateguru.eu/ (2014)
* https://fundwise.me/en (2015) - Equity crowdfunding
* https://investly.eu/ (2014)
* https://www.moneyzen.eu/ (2014)

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://www.fixura.fi/fi-fi/home/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* https://www.borrow.fi/lainaa-yksityishenkilolta/
* http://haelainaa.biz/lainaa-yksityishenkilolta/
* https://kingrahoitus.fi/vertaislainat/
* https://www.lainaanopeasti.biz/vertaislainaa/
* http://www.tuntitili.fi/vertaislaina

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.younited-credit.com/

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* https://www.fundingcircle.com/de/ Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.lendico.com/ - [[w:Lendico]]
* http://www.smava.de/ Smava Privatkredit und Autokredit

=== List of P2P rental services in Germany ===
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for individuals
* https://www.linkedfinance.com/ P2P financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== Latvia ==
=== List of P2P financial services in Latvia ===
* https://www.grupeer.com/ P2P lending
* https://www.mintos.com/en/ P2P lending to individuals

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://www.finbee.lt/en/

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs

== Poland ==
=== List of P2P financial services in Poland ===

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Spain ==
=== List of P2P financial services in Spain ===
* https://arboribus.com/ P2P lending service

== Sweden ==
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/
* https://toborrow.se/sv/

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.collateraluk.com/ P2P loans against collateral
* https://www.crowd2fund.com/ P2P financing for businesses
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* https://www.folk2folk.com/ [[w:Folk2Folk]]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* http://www.investandfund.com/ P2P lending to residential property developments
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages
* https://landlordinvest.com/ secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs
* https://www.lendingworks.co.uk/ [[w:Lending Works]] is the first UK P2P lending company that includes credit default protection for the lenders
* https://www.lendinvest.com/ secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://stemfund.com/ P2B loans
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* https://unbolted.com/uk/ [[w:Unbolted]]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth
* https://www.lendingcrowd.com/

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* https://www.investnextdoor.com/ - [[w:Invest Next Door]] P2P SMB loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.peerform.com/ - [[w:Peerform]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.upstart.com/ [[w:Upstart (company)]]

Lists of alternative financial services

2019-01-08T08:24:03Z

Rooperi68:

This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''.

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

= Consum(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? What are alternative financial services? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----

= Multiple countries / global =
* https://www.bitbond.com - Global BTC based P2P lending
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s
* http://www.kiva.org/ [[w:Kiva (organization)]] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://loanbase.com/
* https://www.twino.eu/
* http://www.unitedprosperity.org/ - [[w:United Prosperity (organisation)]]
* http://www.vittana.org/ - [[w:Vittana]] microcredit for the developing world
* https://www.zidisha.org/ - [[w:Zidisha]] microcredit for Africa and Asia

= Meta-Searches =
* http://www.p2pmoney.co.uk/companies.htm comparison chart of P2P sites

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* [[w:DirectMoney|DirectMoney]] [https://www.directmoney.com.au/ (.com.au)]
* https://www.societyone.com.au/

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
* http://english.creditease.cn/
* https://www.lu.com/ - [[w:Lufax]]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Honk Kong ===
* https://www.welend.hk/ by http://www.welab.co/

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* https://milaap.org/ [[w:Milaap]] microfinance

== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* https://www.harmoney.co.nz/ - [[w:Harmoney]]

== Singapore ==
=== List of P2P financial services in Singapore ===
* [[w:Funding Societies|Funding Societies]] [https://www.fundingsocieties.com/ (.com)]

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ P2P lending service

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.zltymelon.com/

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://crowdestate.eu/ (2014)
* https://estateguru.co/ was originally named https://www.estateguru.eu/ (2014)
* https://fundwise.me/en (2015) - Equity crowdfunding
* https://investly.eu/ (2014)
* https://www.moneyzen.eu/ (2014)

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://www.fixura.fi/fi-fi/home/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* https://www.borrow.fi/lainaa-yksityishenkilolta/
* http://haelainaa.biz/lainaa-yksityishenkilolta/
* https://kingrahoitus.fi/vertaislainat/
* https://www.lainaanopeasti.biz/vertaislainaa/
* http://www.tuntitili.fi/vertaislaina

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.younited-credit.com/

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.lendico.com/ - [[w:Lendico]]
* http://www.smava.de/ Smava Privatkredit und Autokredit

=== List of P2P rental services in Germany ===
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for individuals
* https://www.linkedfinance.com/ P2P financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== Latvia ==
=== List of P2P financial services in Latvia ===
* https://www.grupeer.com/ P2P lending
* https://www.mintos.com/en/ P2P lending to individuals

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://www.finbee.lt/en/

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs

== Poland ==
=== List of P2P financial services in Poland ===

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Spain ==
=== List of P2P financial services in Spain ===
* https://arboribus.com/ P2P lending service

== Sweden ==
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/
* https://toborrow.se/sv/

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.collateraluk.com/ P2P loans against collateral
* https://www.crowd2fund.com/ P2P financing for businesses
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* http://www.investandfund.com/ P2P lending to residential property developments
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages
* https://landlordinvest.com/ secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs
* https://www.lendingworks.co.uk/ [[w:Lending Works]] is the first UK P2P lending company that includes credit default protection for the lenders
* https://www.lendinvest.com/ secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://stemfund.com/ P2B loans
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* https://unbolted.com/uk/ [[w:Unbolted]]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth
* https://www.lendingcrowd.com/

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* [[w:Groundfloor|Groundfloor]] [https://www.groundfloor.us/ (.us)] crowdfunded real estate investing
* https://www.investnextdoor.com/ - [[w:Invest Next Door]] P2P SMB loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.peerform.com/ - [[w:Peerform]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.upstart.com/ [[w:Upstart (company)]]

Lists of alternative financial services

2019-01-08T08:23:17Z

Rooperi68:

This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''.

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

= Consum(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? What are alternative financial services? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----

= Multiple countries / global =
* https://www.bitbond.com - Global BTC based P2P lending
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s
* http://www.kiva.org/ [[w:Kiva (organization)]] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://loanbase.com/
* https://www.twino.eu/
* http://www.unitedprosperity.org/ - [[w:United Prosperity (organisation)]]
* http://www.vittana.org/ - [[w:Vittana]] microcredit for the developing world
* https://www.zidisha.org/ - [[w:Zidisha]] microcredit for Africa and Asia

= Meta-Searches =
* http://www.p2pmoney.co.uk/companies.htm comparison chart of P2P sites

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* [[w:DirectMoney|DirectMoney]] [https://www.directmoney.com.au/ (.com.au)]
* https://www.societyone.com.au/

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
* http://english.creditease.cn/
* https://www.lu.com/ - [[w:Lufax]]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Honk Kong ===
* https://www.welend.hk/ by http://www.welab.co/

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* https://milaap.org/ [[w:Milaap]] microfinance

== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* https://www.harmoney.co.nz/ - [[w:Harmoney]]

== Singapore ==
=== List of P2P financial services in Singapore ===
* [[w:Funding Societies|Funding Societies]] [https://www.fundingsocieties.com/ (.com)]

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ P2P lending service

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.zltymelon.com/

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://crowdestate.eu/ (2014)
* https://estateguru.co/ was originally named https://www.estateguru.eu/ (2014)
* https://fundwise.me/en (2015) - Equity crowdfunding
* https://investly.eu/ (2014)
* https://www.moneyzen.eu/ (2014)

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://www.fixura.fi/fi-fi/home/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* https://www.borrow.fi/lainaa-yksityishenkilolta/
* http://haelainaa.biz/lainaa-yksityishenkilolta/
* https://kingrahoitus.fi/vertaislainat/
* https://www.lainaanopeasti.biz/vertaislainaa/
* http://www.tuntitili.fi/vertaislaina

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.younited-credit.com/

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.lendico.com/ - [[w:Lendico]]
* http://www.smava.de/ Smava Privatkredit und Autokredit

=== List of P2P rental services in Germany ===
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for individuals
* https://www.linkedfinance.com/ P2P financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== Latvia ==
=== List of P2P financial services in Latvia ===
* https://www.grupeer.com/ P2P lending
* https://www.mintos.com/en/ P2P lending to individuals

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://www.finbee.lt/en/

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs

== Poland ==
=== List of P2P financial services in Poland ===

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Spain ==
=== List of P2P financial services in Spain ===
* https://arboribus.com/ P2P lending service

== Sweden ==
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/
* https://toborrow.se/sv/

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.collateraluk.com/ P2P loans against collateral
* https://www.crowd2fund.com/ P2P financing for businesses
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* http://www.investandfund.com/ P2P lending to residential property developments
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages
* https://landlordinvest.com/ secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs
* https://www.lendingworks.co.uk/ [[w:Lending Works]] is the first UK P2P lending company that includes credit default protection for the lenders
* https://www.lendinvest.com/ secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://stemfund.com/ P2B loans
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* https://unbolted.com/uk/ [[w:Unbolted]]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth
* https://www.lendingcrowd.com/

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* https://www.investnextdoor.com/ - [[w:Invest Next Door]] P2P SMB loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.peerform.com/ - [[w:Peerform]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.upstart.com/ [[w:Upstart (company)]]

Lists of alternative financial services

2019-01-08T08:22:30Z

Rooperi68:

= Consume(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|Payday loan]] -> Consumer finance -> [[w:Peer-to-peer lending|Peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

== What are alternative financial services? ==
This is the Consume(er)ium list of [[w:alternative financial services]] lists.

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''[[w:Peer-to-peer lending|Peer-to-peer lending]]''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|peer-to-peer lending}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

* https://www.zidisha.org/ - microcredit [[w:Zidisha]]

== Socially responsible investing ==
{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

= Asia =
== China ==
== List of P2P financial services in China ==
* China Rapid Finance
* CreditEase
* https://www.lu.com/ - [[w:Lufax]]
* Tuandai
* DianRong
* https://m.wolaidai.com/ by http://www.welab.co/

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.ee/

== Finland ==
=== List of Finnish alternative financial services lists ===
* http://www.kuluttajaluotot.com/
* http://www.lainaa-netista.com/
* http://vippi.biz/vippivertailu/

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://fixura.fi/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* https://www.borrow.fi/lainaa-yksityishenkilolta/
* http://haelainaa.biz/lainaa-yksityishenkilolta/
* https://kingrahoitus.fi/vertaislainat/
* https://www.lainaanopeasti.biz/vertaislainaa/
* http://www.tuntitili.fi/vertaislaina

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of UK alternative financial services lists ===

=== Lists of P2P financial services in UK ===
* https://www.assetzcapital.co.uk/ [[w:Assetz Capital]]
* https://www.folk2folk.com/ [[w:Folk2Folk]]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth

=== Lists of P2P financial services in UK ===
* http://www.p2pmoney.co.uk/companies.htm
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= North America =
== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.upstart.com/ [[w:Upstart (company)]]

Lists of alternative financial services

2019-01-08T08:21:57Z

Rooperi68:

This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''.

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

= Consum(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? What are alternative financial services? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----

= Multiple countries / global =
* https://www.bitbond.com - Global BTC based P2P lending
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* [[w:BTCJam|BTCJam]] [https://btcjam.com/ (.com)] - P2P loans using [[w:bitcoin|bitcoin]]s
* [[w:Kiva (organization)|Kiva]] [http://www.kiva.org/ (.org)] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://loanbase.com/
* https://www.twino.eu/
* [[w:United Prosperity (organisation)|United Prosperity]] [http://www.unitedprosperity.org/ (.org)]
* [[w:Vittana|Vittana]] [http://www.vittana.org/ (.org)] - microcredit for the developing world
* [[w:Zidisha|Zidisha]] [https://www.zidisha.org/ (.org)] - microcredit for Africa and Asia

= Meta-Searches =
* http://www.p2pmoney.co.uk/companies.htm comparison chart of P2P sites

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* [[w:DirectMoney|DirectMoney]] [https://www.directmoney.com.au/ (.com.au)]
* https://www.societyone.com.au/
* [[w:Virgin Money Australia|Virgin Money Australia]] [http://virginmoney.com.au/ (.com.au)]

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
* http://english.creditease.cn/
* [[w:Lufax|Lufax]] [https://www.lu.com/ (.com)]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Honk Kong ===
* https://www.welend.hk/ by http://www.welab.co/

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* [[w:Milaap|Milaap]] [https://milaap.org/ (.org)] microfinance in India and Singapore
* [[w:Rang De|Rang De]] [https://www.rangde.org/ (.org)] microfinance by P2P lending.

== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* [[w:Harmoney|Harmoney]] [https://www.harmoney.co.nz/ (.co.nz)]

== Singapore ==
=== List of P2P financial services in Singapore ===
* [[w:Funding Societies|Funding Societies]] [https://www.fundingsocieties.com/ (.com)]

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ P2P lending service

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.zltymelon.com/

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://crowdestate.eu/ (2014)
* https://estateguru.co/ was originally named https://www.estateguru.eu/ (2014)
* https://fundwise.me/en (2015) - Equity crowdfunding
* https://investly.eu/ (2014)
* https://www.moneyzen.eu/ (2014)

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://www.fixura.fi/fi-fi/home/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* https://www.borrow.fi/lainaa-yksityishenkilolta/
* http://haelainaa.biz/lainaa-yksityishenkilolta/
* https://kingrahoitus.fi/vertaislainat/
* https://www.lainaanopeasti.biz/vertaislainaa/
* http://www.tuntitili.fi/vertaislaina

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.younited-credit.com/

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* [[w:Lendico|Lendico]] [https://www.lendico.com/ (.com)]
* http://www.smava.de/ Smava Privatkredit und Autokredit

=== List of P2P rental services in Germany ===
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for individuals
* https://www.linkedfinance.com/ P2P financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== Latvia ==
=== List of P2P financial services in Latvia ===
* https://www.grupeer.com/ P2P lending
* https://www.mintos.com/en/ P2P lending to individuals
* https://robo.cash/how-does-it-works

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://www.finbee.lt/en/

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs

== Poland ==
=== List of P2P financial services in Poland ===

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Spain ==
== Short-term loan comparators in Spain ==
* 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 ===
* https://arboribus.com/ P2P lending service

== Sweden ==
=== List of short-term loan comparators in Sweden ===
* https://loansmart.se/ Jämför smslån och privatlån - Compare short term credits and loans
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/
* https://toborrow.se/sv/

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.collateraluk.com/ P2P loans against collateral
* https://www.crowd2fund.com/ P2P financing for businesses
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]
* [[w:Funding Circle]] [https://www.fundingcircle.com/uk/ (.com)]- investor-to-business loans
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* http://www.investandfund.com/ P2P lending to residential property developments
* [[w:Landbay|Landbay]] [https://landbay.co.uk/ (.co.uk)] is a peer-to-peer lending platform for residential buy-to-let mortgages
* [[w:LandlordInvest|LandlordInvest]] [https://landlordinvest.com/ (.com)] buy-to-let and renovating secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)] - lending to SMBs
* [[w:Lending Works|Lending Works]] [https://www.lendingworks.co.uk/ (.co.uk)] is the first UK P2P lending company that includes credit default protection for the lenders
* [[w:LendInvest|LendInvest]] [https://www.lendinvest.com/ (.com)] secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate
* https://www.proplend.com/ secured P2P lending for businesses
* [[w:RateSetter]] [https://www.ratesetter.com/ (.com)]
* [[w:rebuildingsociety.com|RebuildingSociety]] [https://www.rebuildingsociety.com/ (.com)] small business loans
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://stemfund.com/ P2B loans
* [[w:ThinCats|ThinCats]] [https://www.thincats.com (.com)] investor-to-business loans
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* [[w:Unbolted|Unbolted]] [https://unbolted.com/uk/ (.com)]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* [[w:Virgin Money UK|Virgin Money UK]] [https://uk.virginmoney.com/virgin/ (.com)]
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* [[w:Zopa]] [http://www.zopa.com/ (.com)]. The oldest P2P lending site on Planet Earth
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)]

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans
* http://www.wsci.org.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===
* [[w:Optimize Capital Markets|Optimize Capital Markets]] [http://www.optimizecapitalmarkets.com/ (.com)] P2B financing service

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* [[w:Groundfloor|Groundfloor]] [https://www.groundfloor.us/ (.us)] crowdfunded real estate investing
* [[w:Invest Next Door|Invest Next Door]] [https://www.investnextdoor.com/ (.com)] - P2B SMB loans
* [[w:Lending Club|Lending Club]] [https://www.lendingclub.com/ (.com)]
* [[w:Peerform|Peerform]] [https://www.peerform.com/ (.com)]
* [[w:Prosper Marketplace|Prosper Marketplace]] [https://www.prosper.com/ (.com)]
* [[w:SoFi|SoFi]] [https://www.sofi.com/ (.com)] P2P lending service
* [[w:Upstart (company)|Upstart]] [https://www.upstart.com/ (.com)]

Lists of alternative financial services

2019-01-08T08:21:13Z

Rooperi68:

This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''.

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

= Consum(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? What are alternative financial services? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----

= Multiple countries / global =
* https://www.bitbond.com - Global BTC based P2P lending
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s
* http://www.kiva.org/ [[w:Kiva (organization)]] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://loanbase.com/
* https://www.twino.eu/
* http://www.unitedprosperity.org/ - [[w:United Prosperity (organisation)]]
* http://www.vittana.org/ - [[w:Vittana]] microcredit for the developing world
* https://www.zidisha.org/ - [[w:Zidisha]] microcredit for Africa and Asia

= Meta-Searches =
* http://www.p2pmoney.co.uk/companies.htm comparison chart of P2P sites

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* [[w:DirectMoney|DirectMoney]] [https://www.directmoney.com.au/ (.com.au)]
* https://www.societyone.com.au/

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
* http://english.creditease.cn/
* https://www.lu.com/ - [[w:Lufax]]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Honk Kong ===
* https://www.welend.hk/ by http://www.welab.co/

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* https://milaap.org/ [[w:Milaap]] microfinance

== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* [[w:Harmoney|Harmoney]] [https://www.harmoney.co.nz/ (.co.nz)]

== Singapore ==
=== List of P2P financial services in Singapore ===
* [[w:Funding Societies|Funding Societies]] [https://www.fundingsocieties.com/ (.com)]

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ P2P lending service

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.zltymelon.com/

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://crowdestate.eu/ (2014)
* https://estateguru.co/ was originally named https://www.estateguru.eu/ (2014)
* https://fundwise.me/en (2015) - Equity crowdfunding
* https://investly.eu/ (2014)
* https://www.moneyzen.eu/ (2014)

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://www.fixura.fi/fi-fi/home/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* https://www.borrow.fi/lainaa-yksityishenkilolta/
* http://haelainaa.biz/lainaa-yksityishenkilolta/
* https://kingrahoitus.fi/vertaislainat/
* https://www.lainaanopeasti.biz/vertaislainaa/
* http://www.tuntitili.fi/vertaislaina

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.younited-credit.com/

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.lendico.com/ - [[w:Lendico]]
* http://www.smava.de/ Smava Privatkredit und Autokredit

=== List of P2P rental services in Germany ===
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for individuals
* https://www.linkedfinance.com/ P2P financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== Latvia ==
=== List of P2P financial services in Latvia ===
* https://www.grupeer.com/ P2P lending
* https://www.mintos.com/en/ P2P lending to individuals

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://www.finbee.lt/en/

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs

== Poland ==
=== List of P2P financial services in Poland ===

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Spain ==
=== List of P2P financial services in Spain ===
* https://arboribus.com/ P2P lending service

== Sweden ==
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/
* https://toborrow.se/sv/

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.collateraluk.com/ P2P loans against collateral
* https://www.crowd2fund.com/ P2P financing for businesses
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* http://www.investandfund.com/ P2P lending to residential property developments
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages
* https://landlordinvest.com/ secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs
* https://www.lendingworks.co.uk/ [[w:Lending Works]] is the first UK P2P lending company that includes credit default protection for the lenders
* https://www.lendinvest.com/ secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://stemfund.com/ P2B loans
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* https://unbolted.com/uk/ [[w:Unbolted]]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth
* https://www.lendingcrowd.com/

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* [[w:Groundfloor|Groundfloor]] [https://www.groundfloor.us/ (.us)] crowdfunded real estate investing
* https://www.investnextdoor.com/ - [[w:Invest Next Door]] P2P SMB loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.peerform.com/ - [[w:Peerform]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.upstart.com/ [[w:Upstart (company)]]

Lists of alternative financial services

2019-01-08T08:20:28Z

Rooperi68:

= Consume(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|Payday loan]] -> Consumer finance -> [[w:Peer-to-peer lending|Peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

== What are alternative financial services? ==
This is the Consume(er)ium list of [[w:alternative financial services]] lists.

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''[[w:Peer-to-peer lending|Peer-to-peer lending]]''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|peer-to-peer lending}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

* https://www.zidisha.org/ - microcredit [[w:Zidisha]]

== Socially responsible investing ==
{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

= Asia =
== China ==
== List of P2P financial services in China ==
* China Rapid Finance
* CreditEase
* https://www.lu.com/ - [[w:Lufax]]
* Tuandai
* DianRong
* https://m.wolaidai.com/ by http://www.welab.co/

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.ee/

== Finland ==
=== List of Finnish alternative financial services lists ===
* https://www.borrow.fi/lainaa-yksityishenkilolta/
* http://haelainaa.biz/lainaa-yksityishenkilolta/
* https://kingrahoitus.fi/vertaislainat/
* https://www.lainaanopeasti.biz/vertaislainaa/
* http://www.kuluttajaluotot.com/
* http://www.lainaa-netista.com/
* http://vippi.biz/vippivertailu/

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://fixura.fi/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* http://www.tuntitili.fi/vertaislaina

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of UK alternative financial services lists ===

=== Lists of P2P financial services in UK ===
* https://www.assetzcapital.co.uk/ [[w:Assetz Capital]]
* https://www.folk2folk.com/ [[w:Folk2Folk]]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth

=== Lists of P2P financial services in UK ===
* http://www.p2pmoney.co.uk/companies.htm
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= North America =
== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.upstart.com/ [[w:Upstart (company)]]

Lists of alternative financial services

2019-01-08T08:19:35Z

Rooperi68:

Lists of alternative financial services

2019-01-08T08:18:08Z

Rooperi68:

This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''.

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

= Consum(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? What are alternative financial services? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----

= Multiple countries / global =
* https://www.bitbond.com - Global BTC based P2P lending
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* [[w:BTCJam|BTCJam]] [https://btcjam.com/ (.com)] - P2P loans using [[w:bitcoin|bitcoin]]s
* [[w:Kiva (organization)|Kiva]] [http://www.kiva.org/ (.org)] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://loanbase.com/
* https://www.twino.eu/
* [[w:United Prosperity (organisation)|United Prosperity]] [http://www.unitedprosperity.org/ (.org)]
* [[w:Vittana|Vittana]] [http://www.vittana.org/ (.org)] - microcredit for the developing world
* [[w:Zidisha|Zidisha]] [https://www.zidisha.org/ (.org)] - microcredit for Africa and Asia

= Meta-Searches =
* http://www.p2pmoney.co.uk/companies.htm comparison chart of P2P sites

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* [[w:DirectMoney|DirectMoney]] [https://www.directmoney.com.au/ (.com.au)]
* https://www.societyone.com.au/
* [[w:Virgin Money Australia|Virgin Money Australia]] [http://virginmoney.com.au/ (.com.au)]

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
* http://english.creditease.cn/
* [[w:Lufax|Lufax]] [https://www.lu.com/ (.com)]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Honk Kong ===
* https://www.welend.hk/ by http://www.welab.co/

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* [[w:Milaap|Milaap]] [https://milaap.org/ (.org)] microfinance in India and Singapore
* [[w:Rang De|Rang De]] [https://www.rangde.org/ (.org)] microfinance by P2P lending.

== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* [[w:Harmoney|Harmoney]] [https://www.harmoney.co.nz/ (.co.nz)]

== Singapore ==
=== List of P2P financial services in Singapore ===
* [[w:Funding Societies|Funding Societies]] [https://www.fundingsocieties.com/ (.com)]

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ P2P lending service

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.zltymelon.com/

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://crowdestate.eu/ (2014)
* https://estateguru.co/ was originally named https://www.estateguru.eu/ (2014)
* https://fundwise.me/en (2015) - Equity crowdfunding
* https://investly.eu/ (2014)
* https://www.moneyzen.eu/ (2014)

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://www.fixura.fi/fi-fi/home/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* https://www.borrow.fi/lainaa-yksityishenkilolta/
* http://haelainaa.biz/lainaa-yksityishenkilolta/
* https://kingrahoitus.fi/vertaislainat/
* https://www.lainaanopeasti.biz/vertaislainaa/

* http://www.tuntitili.fi/vertaislaina

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.younited-credit.com/

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* [[w:Lendico|Lendico]] [https://www.lendico.com/ (.com)]
* http://www.smava.de/ Smava Privatkredit und Autokredit

=== List of P2P rental services in Germany ===
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for individuals
* https://www.linkedfinance.com/ P2P financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== Latvia ==
=== List of P2P financial services in Latvia ===
* https://www.grupeer.com/ P2P lending
* https://www.mintos.com/en/ P2P lending to individuals
* https://robo.cash/how-does-it-works

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://www.finbee.lt/en/

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs

== Poland ==
=== List of P2P financial services in Poland ===

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Spain ==
== Short-term loan comparators in Spain ==
* 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 ===
* https://arboribus.com/ P2P lending service

== Sweden ==
=== List of short-term loan comparators in Sweden ===
* https://loansmart.se/ Jämför smslån och privatlån - Compare short term credits and loans
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/
* https://toborrow.se/sv/

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.collateraluk.com/ P2P loans against collateral
* https://www.crowd2fund.com/ P2P financing for businesses
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]
* [[w:Funding Circle]] [https://www.fundingcircle.com/uk/ (.com)]- investor-to-business loans
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* http://www.investandfund.com/ P2P lending to residential property developments
* [[w:Landbay|Landbay]] [https://landbay.co.uk/ (.co.uk)] is a peer-to-peer lending platform for residential buy-to-let mortgages
* [[w:LandlordInvest|LandlordInvest]] [https://landlordinvest.com/ (.com)] buy-to-let and renovating secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)] - lending to SMBs
* [[w:Lending Works|Lending Works]] [https://www.lendingworks.co.uk/ (.co.uk)] is the first UK P2P lending company that includes credit default protection for the lenders
* [[w:LendInvest|LendInvest]] [https://www.lendinvest.com/ (.com)] secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate
* https://www.proplend.com/ secured P2P lending for businesses
* [[w:RateSetter]] [https://www.ratesetter.com/ (.com)]
* [[w:rebuildingsociety.com|RebuildingSociety]] [https://www.rebuildingsociety.com/ (.com)] small business loans
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://stemfund.com/ P2B loans
* [[w:ThinCats|ThinCats]] [https://www.thincats.com (.com)] investor-to-business loans
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* [[w:Unbolted|Unbolted]] [https://unbolted.com/uk/ (.com)]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* [[w:Virgin Money UK|Virgin Money UK]] [https://uk.virginmoney.com/virgin/ (.com)]
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* [[w:Zopa]] [http://www.zopa.com/ (.com)]. The oldest P2P lending site on Planet Earth
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)]

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans
* http://www.wsci.org.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===
* [[w:Optimize Capital Markets|Optimize Capital Markets]] [http://www.optimizecapitalmarkets.com/ (.com)] P2B financing service

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* [[w:Groundfloor|Groundfloor]] [https://www.groundfloor.us/ (.us)] crowdfunded real estate investing
* [[w:Invest Next Door|Invest Next Door]] [https://www.investnextdoor.com/ (.com)] - P2B SMB loans
* [[w:Lending Club|Lending Club]] [https://www.lendingclub.com/ (.com)]
* [[w:Peerform|Peerform]] [https://www.peerform.com/ (.com)]
* [[w:Prosper Marketplace|Prosper Marketplace]] [https://www.prosper.com/ (.com)]
* [[w:SoFi|SoFi]] [https://www.sofi.com/ (.com)] P2P lending service
* [[w:Upstart (company)|Upstart]] [https://www.upstart.com/ (.com)]

Lists of alternative financial services

2019-01-08T08:14:50Z

Rooperi68:

This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''.

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

= Consum(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? What are alternative financial services? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----

= Multiple countries / global =
* https://www.bitbond.com - Global BTC based P2P lending
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s
* http://www.kiva.org/ [[w:Kiva (organization)]] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://loanbase.com/
* https://www.twino.eu/
* http://www.unitedprosperity.org/ - [[w:United Prosperity (organisation)]]
* http://www.vittana.org/ - [[w:Vittana]] microcredit for the developing world
* https://www.zidisha.org/ - [[w:Zidisha]] microcredit for Africa and Asia

= Meta-Searches =
* http://www.p2pmoney.co.uk/companies.htm comparison chart of P2P sites

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* [[w:DirectMoney|DirectMoney]] [https://www.directmoney.com.au/ (.com.au)]
* https://www.societyone.com.au/

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
* http://english.creditease.cn/
* https://www.lu.com/ - [[w:Lufax]]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Honk Kong ===
* https://www.welend.hk/ by http://www.welab.co/

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* https://milaap.org/ [[w:Milaap]] microfinance

== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* https://www.harmoney.co.nz/ - [[w:Harmoney]]

== Singapore ==
=== List of P2P financial services in Singapore ===
* https://www.fundingsocieties.com/

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ P2P lending service

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.zltymelon.com/

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://crowdestate.eu/ (2014)
* https://estateguru.co/ was originally named https://www.estateguru.eu/ (2014)
* https://fundwise.me/en (2015) - Equity crowdfunding
* https://investly.eu/ (2014)
* https://www.moneyzen.eu/ (2014)

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://www.fixura.fi/fi-fi/home/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* https://www.borrow.fi/lainaa-yksityishenkilolta/
* http://haelainaa.biz/lainaa-yksityishenkilolta/
* https://kingrahoitus.fi/vertaislainat/
* https://www.lainaanopeasti.biz/vertaislainaa/
* http://www.tuntitili.fi/vertaislaina

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.younited-credit.com/

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.lendico.com/ - [[w:Lendico]]
* http://www.smava.de/ Smava Privatkredit und Autokredit

=== List of P2P rental services in Germany ===
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for individuals
* https://www.linkedfinance.com/ P2P financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== Latvia ==
=== List of P2P financial services in Latvia ===
* https://www.grupeer.com/ P2P lending
* https://www.mintos.com/en/ P2P lending to individuals

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://www.finbee.lt/en/

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs

== Poland ==
=== List of P2P financial services in Poland ===

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Spain ==
=== List of P2P financial services in Spain ===
* https://arboribus.com/ P2P lending service

== Sweden ==
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/
* https://toborrow.se/sv/

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.collateraluk.com/ P2P loans against collateral
* https://www.crowd2fund.com/ P2P financing for businesses
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* http://www.investandfund.com/ P2P lending to residential property developments
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages
* https://landlordinvest.com/ secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs
* https://www.lendingworks.co.uk/ [[w:Lending Works]] is the first UK P2P lending company that includes credit default protection for the lenders
* https://www.lendinvest.com/ secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://stemfund.com/ P2B loans
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* https://unbolted.com/uk/ [[w:Unbolted]]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth
* https://www.lendingcrowd.com/

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* https://www.investnextdoor.com/ - [[w:Invest Next Door]] P2P SMB loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.peerform.com/ - [[w:Peerform]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.upstart.com/ [[w:Upstart (company)]]

Lists of alternative financial services

2019-01-08T07:42:07Z

Rooperi68:

This is the '''Consumerium list of [[w:alternative financial services|alternative financial services]] lists'''.

The Finnish language URLs http://velallisten.yhteinen.asia and http://vertaislainaajien.yhteinen.asia redirect here.

'''Spectrum of consumer finance''' by the lowest troll

* [[w:Predatory lending|Predatory lending]] ->
::* [[w:Payday loan|payday loan]] ->
::::* Proletariat finance ->
::::::* [[w:Peer-to-peer lending|peer-to-peer loan]] ->
::::::::* Credit card debt ->
::::::::::* Bank loan

----

'''What is alternative finance? What are alternative financial services?'''

{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

----

'''Peer-to-peer lending, peer-to-peer investing and socially responsible investing '''

{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

----

''' Microfinance and microcredit '''

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----
''' What is APR, why does it matter? '''
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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.

----

= Consumerium list of alternative financial services lists =

== Socially Responsible Investing ==
* https://www.lendahand.com/ is an online impact investing platform where socially conscious investors can invest in entrepreneurs and sustainable
* [[w:Kiva (organization)|Kiva]] [http://www.kiva.org/ (.org)] is an international nonprofit, founded in 2005 and based in San Francisco, with a mission to connect people through lending to alleviate poverty. It provides P2P microcredits in 82 countries - Their slogan is "To connect people through lending to alleviate poverty"
* https://www.openinvest.co/ is a [[w:Public-benefit corporation]] offering a platform for making [[w:Socially responsible investing|socially responsible investments]] in USD.
* https://www.swellinvesting.com/ offers [[w:impact investing]] services in USD.
* [[w:United Prosperity (organisation)|United Prosperity]] [http://www.unitedprosperity.org/ (.org)] is a non-profit organization offering P2P microcredit services and operates with PayPal payments. It does not lend directly to the receiver of the loan, but instead a bank. The microcredit offered by the investors is used as collateral for the bank resulting in the bank effectively loaning almost double the amount of money invested by the investor.
* [[w:Zidisha|Zidisha]] [https://www.zidisha.org/ (.org)] is a non-profit P2P microcredit platform for investing in Africa and Asia. It is the first international P2P microcredit platform ever created.

== Cryptocurrency based P2P lending services ==
* https://www.bitbond.com - Global [[w:bitcoin|bitcoin]] (BTC) based P2P lending initiatives in emerging countries.
* http://www.pointninecap.com/bitbond - BTC based SME funding
* [[w:BTCJam|BTCJam]] [https://btcjam.com/ (.com)] - BTC based P2P loans
----

== Multiple countries / currencies ==
* https://www.twino.eu/ is P2P lending service operating in the EU, Latvia, Poland, Russia, Georgia, Denmark, Spain and Kazakhstan. The site is available in English, German and Latvian.

= Africa =
== Nigeria ==
* https://www.farmcrowdy.com/ facilitates P2P lending to small farmers in Nigeria
* https://www.cloudfarmfunds.com/ facilitates farmers empowerment and enriching its funders in Nigeria

----

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* https://www.societyone.com.au/
* [[w:Virgin Money Australia|Virgin Money Australia]] [http://virginmoney.com.au/ (.com.au)]
* [[w:Wisr|Wisr]] [https://www.wisr.com.au/ (.com.au)] is a publicly listed P2P lending site for consumers in Australia.

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/

* http://english.creditease.cn/
* [[w:Lufax|Lufax]] [https://www.lu.com/ (.com)]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Hong Kong ===
* https://www.welend.hk/en/ by [[w:WeLab]] [http://www.welab.co/ (.co)]] is a P2P financing service aimed at private individuals

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* [[w:Milaap|Milaap]] [https://milaap.org/ (.org)] microfinance in India and Singapore
* [[w:Rang De|Rang De]] [https://www.rangde.org/ (.org)] microfinance by P2P lending.
* [http://www.inoxcapitals.com Inox Capitals (.com)]

== Korea ==
* 8Percent [https://8percent.kr/ (.kr)]is a korean P2P financing service for businesses
* Funda [https://www.funda.kr/v2/ (.kr)] is a P2P financing service for SMEs
* Honest Fund [https://www.honestfund.kr/ (.kr)] is a P2P financing service by BMO
* Lendit [https://loan.lendit.co.kr/loan (.co.kr)] is a korean P2P financing service for consumers
* Roof Funding [https://www.rooffunding.com/ (.com)] is a Korean P2P financing service for real estate

== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* [[w:Harmoney|Harmoney]] [https://www.harmoney.co.nz/ (.co.nz)] is a P2P lending service for consumers
* https://www.squirrelmoney.co.nz/ is a P2P lending service for consumers

== Singapore ==
=== List of P2P financial services in Singapore ===
* [[w:Capital Match]] [https://www.capital-match.com/ (.com)] P2B financing for SMEs in the Southest Asia
* [[w:Funding Societies|Funding Societies]] [https://www.fundingsocieties.com/ (.com)] P2B financing for SMEs

= Europe =
== List of P2P financial services in Europe ==

== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ service offering auto-investing in loans

== Belgium ==
=== List of P2P financial services in Belgium ===
* https://www.lookandfin.com/ is a Belgian P2B loan service for SMEs. Available in French and Dutch.

== Bulgaria ==
* https://www.klearlending.com/ is a bulgarian P2P finance service for consumers.

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.ferratump2p.cz/ is a Czech P2P lending service for consumers and SMEs
* https://www.zltymelon.com/ P2P financing service for consumers

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://www.bulkestate.com/en/ is an Estonian real estate crowdfunding and group-buying platform
* https://crowdestate.eu/ P2P real estate funding service. Founded in 2014.
* https://crowdestor.com/ is an Estonian P2B lending site
* https://envestio.com/ is an Estonian P2B investment platform for real estate and more
* https://estateguru.co/ if a P2P service for secured real estate loans. It was originally called https://www.estateguru.eu/. Founded in 2014.
* https://fundwise.me/en is an equity crowdfunding service. It was founded in 2015.
* https://investly.eu/ is a P2B service for invoice financing. It was founded in 2014.
* https://www.iuvo-group.com/en/ is an Estonian P2P investment platform
* https://www.monestro.com/ is an Estonian P2P lending site for consumers.
* https://www.moneyzen.eu/en is P2P finance service for consumers. It was founded in 2014.
* https://omaraha.ee/en/ is an Estonian P2P lending site for consumers.

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consumerium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://aurorax.co/ is a P2P lending service for consumers. It was founded in 2017.
* https://www.bondora.fi/ - Consumer loans service
* https://www.borrow.fi/lainaa-yksityishenkilolta/ P2P lending services for consumers
* http://www.fellowfinance.fi/ P2P financing service offering consumer and business loans
* https://www.fixura.fi/en-fi/home/ P2P lending service for consumers
* http://haelainaa.biz/lainaa-yksityishenkilolta/ P2P lending services for consumers
* https://www.lainaanopeasti.biz/vertaislainaa/ P2P lending services for consumers
* https://kingrahoitus.fi/laina-yksityiselta/
* https://www.lainaaja.fi/ P2P lending service for consumers
* https://vauraus.fi/ is a P2P lending service for businesses.

=== List of alternative investment schemes in Finland ===
* https://www.fastinvest.com/en is a service for investors to finance loans given out by an orginator. Also possiblity to invest in an ICO (Initial Coin Offering).
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer finance by http://lainasto.com. They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===

* https://bolden.fr/ P2B lending service
* https://www.credit.fr/ P2P lending service for SMEs and consumers
* https://en.lendix.com/ is a French P2P financing service for SMEs and individuals. Available also in Spanish, French and Italian.
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.unilend.fr/ is a French P2P lending service for SMEs
* https://www.younited-credit.com/ - Consumer loans, refinancing and insurances
* https://www.pretto.fr/ - real estate broker online and free

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.crosslend.com/ is a German B2B investing service
* [[w:Lendico|Lendico]] [https://www.lendico.com/ (.com)] P2B loans platform

=== List of P2P rental services in Germany ===
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for consumers
* https://www.gridfinance.ie/ is an Irish P2B financing service for SMEs
* https://www.linkedfinance.com/ P2B financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/ P2P loans for consumers
* http://www.smartika.it P2P loans for consumers

== Latvia ==
=== List of P2P financial services in Latvia ===

=== List of investment services in Latvia ===

* https://www.grupeer.com/ Investment platform into loans from originators
* https://system.lenndy.com/ is a Latvian P2P investment service that finances both consumer and SME loans
* https://www.mintos.com/en/ Investment platform into loans from originators
* https://peerberry.com/ ab investment platform into loans from originators
* https://robo.cash/ Automated investing into loans from originators
* https://www.swaper.com/ is a Latvian loan marketplace platform offering investments in pre-funded unsecured consumer loans originated by its parent company Wandoo Finance Group.
* https://viainvest.com/ - Investment platform into loans from originators
* https://www.viventor.com/ Investment platform into loans from originators

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://gosavy.com/ is a Lithuanian P2P investment platform
* https://www.finbee.lt/en/ P2P and P2B loans service for consumers and SMEs
* https://www.neofinance.com/ is a Lithuanian P2P investment platform

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs
* https://www.geldvoorelkaar.nl/ P2P lending service for SMEs

== Poland ==
=== List of P2P financial services in Poland ===
* https://www.finansowo.pl/ P2P loan service for consumers

== Portugal ==
=== List of P2P financial services in Portugal ===
* https://www.raize.pt/ is a Portuguese P2P loan service for SMEs. Raize was the first P2P financial service in Europe to go public with it's IPO in 2018

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Spain ==
=== List of P2P financial services in Spain ===
* https://arboribus.com/ P2B lending service for business loans
* https://www.grow.ly/ P2B lending service for business loans
* https://www.loanbook.es/ P2B lending service for SMEs
* https://www.mytriplea.com/ is a Spanish P2P lending service

== Sweden ==
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/ P2P investments and loans for consumers
* https://toborrow.se/sv/ P2P investments and loans for consumers

== Switzerland ==
* https://www.advanon.com/en - A Swiss P2P invoice financing service

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* https://www.ablrate.com/ P2B financing service
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* https://blendnetwork.com/ is a P2B lending service for established businesses which can provide collateral
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.britishpearl.com/ is a P2P real estate financing service where you can invest in shares in properties or issue a loan. Has ISA investing available
* https://www.burnleysavingsandloans.co.uk/ P2P loans for consumers and companies. Vehicle loans and refinancing
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.capitalstackers.com/ is a P2P lending service for real estate
* https://www.creditpeers.com/ is a Peer-to-Business (P2B) property lending platform
* https://www.crowd2fund.com/ P2P financing for businesses
* https://www.crowdcube.com/ P2B financing for SMEs and startups
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* https://easymoney.com/ is a P2P real estate financing service offering ISA investments
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* https://www.fitzroviafinance.com/ is a P2P property backed real estate financing service
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]
* https://www.formaxcredit.co.uk/ is P2B financing service that will soon be offering ISA.
* [[w:Funding Circle]] [https://www.fundingcircle.com/uk/ (.com)]- investor-to-business loans
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* https://www.thehousecrowd.com/ is an UK P2P financing service where the loans are collateralized by real estate
* http://www.investandfund.com/ P2P lending to residential property developments
* https://invest.kuflink.co.uk/ P2P lending for real estate. Features select-invest, ISA and auto-invest
* https://www.justus.co/ P2P finance for consumer mortgages and loans
* [[w:Landbay|Landbay]] [https://landbay.co.uk/ (.co.uk)] is a peer-to-peer lending platform for residential buy-to-let mortgages
* [[w:LandlordInvest|LandlordInvest]] [https://landlordinvest.com/ (.com)] buy-to-let and renovating secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)] - lending to SMBs
* [[w:Lending Works|Lending Works]] [https://www.lendingworks.co.uk/ (.co.uk)] is the first UK P2P lending company that includes credit default protection for the lenders
* [[w:LendInvest|LendInvest]] [https://www.lendinvest.com/ (.com)] secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://www.moneything.com/ is a P2P financing service for large collateralized loans
* https://www.newable.co.uk/ is a P2B financing service that offers ability to invest via funds or your own investment portfolio.
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.orchardlendingclub.com/ is a P2P lending site that lends to insurance brokers, legal and accountancy firms and schools and parents
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate. Has IFISA eligible products available
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.quidcycle.com/ P2P financing for consumers including refinancing
* [[w:RateSetter]] [https://www.ratesetter.com/ (.com)]
* [[w:rebuildingsociety.com|RebuildingSociety]] [https://www.rebuildingsociety.com/ (.com)] small business loans
* https://trading.relendex.com/ P2B real estate loans. Has self-select and secured-portfolio ISA investment products
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://www.simplecrowdfunding.co.uk/ offers P2P ISA real estate investments and loans
* https://stemfund.com/ P2B loans
* [[w:ThinCats|ThinCats]] [https://www.thincats.com (.com)] investor-to-business loans
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* [[w:Unbolted|Unbolted]] [https://unbolted.com/uk/ (.com)]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* [[w:Virgin Money UK|Virgin Money UK]] [https://uk.virginmoney.com/virgin/ (.com)]
* https://welendus.com/ is a P2P lending service for consumers
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* [[w:Zopa]] [http://www.zopa.com/ (.com)]. The oldest P2P lending site on Planet Earth
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)]

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans
* http://www.wsci.org.il/ consumer loans
* https://best-price.co.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/ P2B loans platform offering business finance and invoice financing

= South America =
== Brasilia ==
=== List of P2P financial services in Brasilia ===
* https://www.nexoos.com.br/ P2P lending service for loans to SMEs

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===
* [[w:Optimize Capital Markets|Optimize Capital Markets]] [http://www.optimizecapitalmarkets.com/ (.com)] business financing service

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - P2B platform for investor to business SME loans
* [[w:Groundfloor|Groundfloor]] [https://www.groundfloor.us/ (.us)] P2P crowdfunded real estate investing
* [[w:Invest Next Door|Invest Next Door]] [https://www.investnextdoor.com/ (.com)] - P2B SME loans
* [[w:Lending Club|Lending Club]] [https://www.lendingclub.com/ (.com)] P2P loaning platoform for consumers
* [[w:Peerform|Peerform]] [https://www.peerform.com/ (.com)] P2P loaning platform for consumers
* [[w:Prosper Marketplace|Prosper Marketplace]] [https://www.prosper.com/ (.com)] P2P loaning platform for consumers and debt consolidation
* [[w:SoFi|SoFi]] [https://www.sofi.com/ (.com)] P2P lending service for consumers: refinancing, consumer loans and mortgages
* [[w:Upstart (company)|Upstart]] [https://www.upstart.com/ (.com)] P2P loaning platform for consumers.

----

= Links to useful information on P2P lending =
* [http://www.p2pmoney.co.uk/companies.htm Various comparison charts of P2P sites at p2pmoney.co.uk]
* [https://www.p2p-banking.com/ P2P Lending Marketplace News and Reviews at p2p-banking.com]
* [https://www.lendingmemo.com/p2p-lending-sites/ P2P Lending Investing and Analytics Tools and more at lendingmemo.com]
* [https://crowdfundbeat.com/ News & information for Crowdfunding People at Crowdfundbeat.com]

Talk:Lists of alternative financial services

2018-10-18T13:25:36Z

Rooperi68:

== Sites and lists harvested for P2P financial services ==

* https://www.lainaanopeasti.biz/vertaislainaa
** Harvested in October 2018

* http://www.tuntitili.fi/vertaislaina
** Harvested in September 2015
** Reharvested in July 2018. 2 new services found

----

* http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/
** Harvested in September 2015
** Harvested again in July 2018 and no new sites found obviously since this is just a blog post

----

* https://en.wikipedia.org/wiki/Peer-to-peer_lending
** Harvested in September 2015
** Harvested again in July 2018, 8 new sites found

----

* https://en.wikipedia.org/wiki/Category:Peer-to-peer_lending_companies
** September 2015
** Harvested again in the Spring of 2017.
** Harvested again in July 2018, one name change and one new company found

----

* http://www.p2p-kredite.com/diskussion/ is a phpBB discussion board auf Deutsch for discussing the German P2P lending services
** Harvested September 2015
** Harvested again in July 2018, 5 new services found

----

* http://www.p2pmoney.co.uk/companies.htm
** Harvested May 2017
** Harvested again in July 2018, 32 new services found

----

* https://www.p2p-banking.com
** Harvested in July 2018. 12 P2P lending services added

----

== Wikipedia articles on alternative finance issues ==
* [[w:Comparison of crowdfunding services]] and
* [[w:Category:Crowdfunding platforms]]
* [[w:Opportunity finance]]
* [[w:Credit union]]
* [[w:Microcredit]]

== List checked for removals and changes ==
* Checked and adjusted in May 2017
* Checked and adjusted in July 2018

Lists of alternative financial services

2018-10-17T11:38:24Z

Rooperi68:

Lists of alternative financial services

2018-08-06T12:08:41Z

Rooperi68:

This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''.

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

= Consum(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? What are alternative financial services? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----

= Multiple countries / global =
* https://www.bitbond.com - Global BTC based P2P lending
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s
* http://www.kiva.org/ [[w:Kiva (organization)]] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://loanbase.com/
* https://www.twino.eu/
* http://www.unitedprosperity.org/ - [[w:United Prosperity (organisation)]]
* http://www.vittana.org/ - [[w:Vittana]] microcredit for the developing world
* https://www.zidisha.org/ - [[w:Zidisha]] microcredit for Africa and Asia

= Meta-Searches =
* http://www.p2pmoney.co.uk/companies.htm comparison chart of P2P sites

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* https://www.societyone.com.au/

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
* http://english.creditease.cn/
* https://www.lu.com/ - [[w:Lufax]]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Honk Kong ===
* https://www.welend.hk/ by http://www.welab.co/

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* https://milaap.org/ [[w:Milaap]] microfinance

== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* https://www.harmoney.co.nz/ - [[w:Harmoney]]

== Singapore ==
=== List of P2P financial services in Singapore ===
* https://www.fundingsocieties.com/

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ P2P lending service

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.zltymelon.com/

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://crowdestate.eu/ (2014)
* https://estateguru.co/ was originally named https://www.estateguru.eu/ (2014)
* https://fundwise.me/en (2015) - Equity crowdfunding
* https://investly.eu/ (2014)
* https://www.moneyzen.eu/ (2014)

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://www.fixura.fi/fi-fi/home/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* http://www.tuntitili.fi/vertaislaina
* https://www.lainaanopeasti.biz/lainaa-yksityishenkilolta/
* https://kingrahoitus.fi/laina-yksityiselta/

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.younited-credit.com/

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* https://www.fundingcircle.com/de/ Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.lendico.com/ - [[w:Lendico]]
* http://www.smava.de/ Smava Privatkredit und Autokredit

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for individuals
* https://www.linkedfinance.com/ P2P financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== Latvia ==
=== List of P2P financial services in Latvia ===
* https://www.grupeer.com/ P2P lending
* https://www.mintos.com/en/ P2P lending to individuals

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://www.finbee.lt/en/

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs

== Poland ==
=== List of P2P financial services in Poland ===

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Spain ==
=== List of P2P financial services in Spain ===
* https://arboribus.com/ P2P lending service

== Sweden ==
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/
* https://toborrow.se/sv/

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.collateraluk.com/ P2P loans against collateral
* https://www.crowd2fund.com/ P2P financing for businesses
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* https://www.folk2folk.com/ [[w:Folk2Folk]]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* http://www.investandfund.com/ P2P lending to residential property developments
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages
* https://landlordinvest.com/ secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs
* https://www.lendingworks.co.uk/ [[w:Lending Works]] is the first UK P2P lending company that includes credit default protection for the lenders
* https://www.lendinvest.com/ secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://stemfund.com/ P2B loans
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* https://unbolted.com/uk/ [[w:Unbolted]]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth
* https://www.lendingcrowd.com/

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* https://www.investnextdoor.com/ - [[w:Invest Next Door]] P2P SMB loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.peerform.com/ - [[w:Peerform]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.upstart.com/ [[w:Upstart (company)]]

Lists of alternative financial services

2018-08-06T12:06:27Z

Rooperi68:

This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''.

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

= Consum(er)ium list of alternative financial services lists =

Spectrum of consumer finance

[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan

== What is alternative finance? What are alternative financial services? ==
{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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 ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

== Microfinance and microcredit ==

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----

= Multiple countries / global =
* https://www.bitbond.com - Global BTC based P2P lending
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s
* http://www.kiva.org/ [[w:Kiva (organization)]] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://loanbase.com/
* https://www.twino.eu/
* http://www.unitedprosperity.org/ - [[w:United Prosperity (organisation)]]
* http://www.vittana.org/ - [[w:Vittana]] microcredit for the developing world
* https://www.zidisha.org/ - [[w:Zidisha]] microcredit for Africa and Asia

= Meta-Searches =
* http://www.p2pmoney.co.uk/companies.htm comparison chart of P2P sites

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* https://www.societyone.com.au/

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
* http://english.creditease.cn/
* https://www.lu.com/ - [[w:Lufax]]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Honk Kong ===
* https://www.welend.hk/ by http://www.welab.co/

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* https://milaap.org/ [[w:Milaap]] microfinance

== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* https://www.harmoney.co.nz/ - [[w:Harmoney]]

== Singapore ==
=== List of P2P financial services in Singapore ===
* https://www.fundingsocieties.com/

= Europe =
== Lists of P2P financial services in Europe ==
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]

== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ P2P lending service

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.zltymelon.com/

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://crowdestate.eu/ (2014)
* https://estateguru.co/ was originally named https://www.estateguru.eu/ (2014)
* https://fundwise.me/en (2015) - Equity crowdfunding
* https://investly.eu/ (2014)
* https://www.moneyzen.eu/ (2014)

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* https://www.fixura.fi/fi-fi/home/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

=== Lists of P2P financial services in Finland ===
* http://www.tuntitili.fi/vertaislaina
* https://www.lainaanopeasti.biz/lainaa-yksityishenkilolta/

=== List of alternative investment schemes in Finland ===
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.younited-credit.com/

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* https://www.fundingcircle.com/de/ Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.lendico.com/ - [[w:Lendico]]
* http://www.smava.de/ Smava Privatkredit und Autokredit

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for individuals
* https://www.linkedfinance.com/ P2P financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/
* http://www.smartika.it

== Latvia ==
=== List of P2P financial services in Latvia ===
* https://www.grupeer.com/ P2P lending
* https://www.mintos.com/en/ P2P lending to individuals

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://www.finbee.lt/en/

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs

== Poland ==
=== List of P2P financial services in Poland ===

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Spain ==
=== List of P2P financial services in Spain ===
* https://arboribus.com/ P2P lending service

== Sweden ==
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/
* https://toborrow.se/sv/

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.collateraluk.com/ P2P loans against collateral
* https://www.crowd2fund.com/ P2P financing for businesses
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* https://www.folk2folk.com/ [[w:Folk2Folk]]
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* http://www.investandfund.com/ P2P lending to residential property developments
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages
* https://landlordinvest.com/ secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs
* https://www.lendingworks.co.uk/ [[w:Lending Works]] is the first UK P2P lending company that includes credit default protection for the lenders
* https://www.lendinvest.com/ secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://stemfund.com/ P2B loans
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* https://unbolted.com/uk/ [[w:Unbolted]]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth
* https://www.lendingcrowd.com/

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - investor to business loans
* https://www.investnextdoor.com/ - [[w:Invest Next Door]] P2P SMB loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
* https://www.peerform.com/ - [[w:Peerform]]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
* https://www.upstart.com/ [[w:Upstart (company)]]

Lists of alternative financial services

2018-08-03T09:05:04Z

Rooperi68:

This is the '''Consumerium list of [[w:alternative financial services|alternative financial services]] lists'''.

The Finnish language URLs http://velallisten.yhteinen.asia, http://vertaislainaajien.yhteinen.asia and https://kingrahoitus.fi redirect here.

'''Spectrum of consumer finance''' by the lowest troll

* [[w:Predatory lending|Predatory lending]] ->
::* [[w:Payday loan|payday loan]] ->
::::* Proletariat finance ->
::::::* [[w:Peer-to-peer lending|peer-to-peer loan]] ->
::::::::* Credit card debt ->
::::::::::* Bank loan

----

'''What is alternative finance? What are alternative financial services?'''

{{Q|'''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 [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}

{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.

----

'''Peer-to-peer lending, peer-to-peer investing and socially responsible investing '''

{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing 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|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}

{{Q|'''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 [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}

{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}

{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}

{{Q|An '''[[w:ethical bank|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: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}

----

''' Microfinance and microcredit '''

{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}

{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}

:: More reading [[w:Impact of microcredit|Impact of microcredit]]

----
''' What is APR, why does it matter? '''
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}

{{Q|[...] 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 [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}

{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|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.

----

= Consumerium list of alternative financial services lists =

== Multiple countries / global ==
* https://www.bitbond.com - Global BTC based P2P lending
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* [[w:BTCJam|BTCJam]] [https://btcjam.com/ (.com)] - P2P loans using [[w:bitcoin|bitcoin]]s
* [[w:Kiva (organization)|Kiva]] [http://www.kiva.org/ (.org)] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
* https://www.twino.eu/
* [[w:United Prosperity (organisation)|United Prosperity]] [http://www.unitedprosperity.org/ (.org)]
* [[w:Zidisha|Zidisha]] [https://www.zidisha.org/ (.org)] - microcredit for Africa and Asia

= Asia =

== Australia ==
=== List of P2P financial services in Australia ===
* https://www.societyone.com.au/
* [[w:Virgin Money Australia|Virgin Money Australia]] [http://virginmoney.com.au/ (.com.au)]
* [[w:Wisr|Wisr]] [https://www.wisr.com.au/ (.com.au)] is a publicly listed P2P lending site for consumers in Australia.

== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/

* http://english.creditease.cn/
* [[w:Lufax|Lufax]] [https://www.lu.com/ (.com)]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/

== Hong Kong ==
=== List of P2P financial services in Hong Kong ===
* https://www.welend.hk/en/ by [[w:WeLab]] [http://www.welab.co/ (.co)]] is a P2P financing service aimed at private individuals

== India ==
=== List of P2P financial services in India ===
* http://i2ifunding.com
* https://cashkumar.com
* [[w:Milaap|Milaap]] [https://milaap.org/ (.org)] microfinance in India and Singapore
* [[w:Rang De|Rang De]] [https://www.rangde.org/ (.org)] microfinance by P2P lending.
* [http://www.inoxcapitals.com Inox Capitals (.com)]

== Korea ==
* 8Percent [https://8percent.kr/ (.kr)]is a korean P2P financing service for businesses
* Funda [https://www.funda.kr/v2/ (.kr)] is a P2P financing service for SMEs
* Honest Fund [https://www.honestfund.kr/ (.kr)] is a P2P financing service by BMO
* Lendit [https://loan.lendit.co.kr/loan (.co.kr)] is a korean P2P financing service for consumers
* Roof Funding [https://www.rooffunding.com/ (.com)] is a Korean P2P financing service for real estate

== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service

== New Zealand ==
=== List of P2P financial services in New Zealand ===
* [[w:Harmoney|Harmoney]] [https://www.harmoney.co.nz/ (.co.nz)] is a P2P lending service for consumers
* https://www.squirrelmoney.co.nz/ is a P2P lending service for consumers

== Singapore ==
=== List of P2P financial services in Singapore ===
* [[w:Capital Match]] [https://www.capital-match.com/ (.com)] P2B financing for SMEs in the Southest Asia
* [[w:Funding Societies|Funding Societies]] [https://www.fundingsocieties.com/ (.com)] P2B financing for SMEs

= Europe =
== List of P2P financial services in Europe ==

== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ service offering auto-investing in loans

== Belgium ==
=== List of P2P financial services in Belgium ===
* https://www.lookandfin.com/ is a Belgian P2B loan service for SMEs. Available in French and Dutch.

== Bulgaria ==
* https://www.klearlending.com/ is a bulgarian P2P finance service for consumers.

== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.ferratump2p.cz/ is a Czech P2P lending service for consumers and SMEs
* https://www.zltymelon.com/ P2P financing service for consumers

== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://www.bulkestate.com/en/ is an Estonian real estate crowdfunding and group-buying platform
* https://crowdestate.eu/ P2P real estate funding service. Founded in 2014.
* https://crowdestor.com/ is an Estonian P2B lending site
* https://envestio.com/ is an Estonian P2B investment platform for real estate and more
* https://estateguru.co/ if a P2P service for secured real estate loans. It was originally called https://www.estateguru.eu/. Founded in 2014.
* https://fundwise.me/en is an equity crowdfunding service. It was founded in 2015.
* https://investly.eu/ is a P2B service for invoice financing. It was founded in 2014.
* https://www.iuvo-group.com/en/ is an Estonian P2P investment platform
* https://www.monestro.com/ is an Estonian P2P lending site for consumers.
* https://www.moneyzen.eu/en is P2P finance service for consumers. It was founded in 2014.
* https://omaraha.ee/en/ is an Estonian P2P lending site for consumers.

== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consumerium list of price comparison services in Finland]] for more finance related comparison shopping websites].

=== List of P2P financial services in Finland ===
* https://aurorax.co/ is a P2P lending service for consumers. It was founded in 2017.
* https://www.bondora.fi/ - Consumer loans service
* http://www.fellowfinance.fi/ P2P financing service offering consumer and business loans
* https://www.fixura.fi/en-fi/home/ P2P lending service for consumers
* https://www.lainaaja.fi/ P2P lending service for consumers
* https://vauraus.fi/ is a P2P lending service for businesses.

=== List of loan comparators in Finland ===
* https://www.haenyt.fi/ loan comparator with a range from 500 to 50,000€
* https://www.lendo.fi/ loan comparator with a range from 500 to 60,000€
* https://www.nopeelaina.fi/ is a loan comparator for consumers. Range is from 100 to 50,000€
* https://www.omalaina.fi/ loan comparator with a range from 100 to 60,000€
* https://www.rahalaitos.fi/ is a loan comparator for consumers. Compare loans ranging from 500 to 70,000€
* http://www.tuntitili.fi is a loan comparator for consumers. Range is from 100 to 50,000€
* https://www.vertaaensin.fi/laina is a loan comparator for consumers. Compare loans ranging from 500 to 50,000€
* https://www.vertaalaina.fi/lainavertailu.html is a loan comparator for consumers. Compare loans ranging from 100 to 60,000€
* https://www.zmarta.fi/ loan comparator with a range from 500 to 60,000€

=== List of alternative investment schemes in Finland ===
* https://www.fastinvest.com/en is a service for investors to finance loans given out by an orginator. Also possiblity to invest in an ICO (Initial Coin Offering).
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer finance by http://lainasto.com. They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.

== France ==
=== List of P2P financial services in France ===

* https://bolden.fr/ P2B lending service
* https://www.credit.fr/ P2P lending service for SMEs and consumers
* https://en.lendix.com/ is a French P2P financing service for SMEs and individuals. Available also in Spanish, French and Italian.
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.unilend.fr/ is a French P2P lending service for SMEs
* https://www.younited-credit.com/ - Consumer loans, refinancing and insurances

== Germany ==
=== List of P2P financial services in Germany ===

* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.crosslend.com/ is a German B2B investing service
* [[w:Lendico|Lendico]] [https://www.lendico.com/ (.com)] P2B loans platform
* http://www.smava.de/ Smava Loan comparator - Privatkredit und Autokredit

=== List of P2P rental services in Germany ===
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals

== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for consumers
* https://www.gridfinance.ie/ is an Irish P2B financing service for SMEs
* https://www.linkedfinance.com/ P2B financing service for SMEs

== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/ P2P loans for consumers
* http://www.smartika.it P2P loans for consumers

== Latvia ==
=== List of P2P financial services in Latvia ===

=== List of investment services in Latvia ===

* https://www.grupeer.com/ Investment platform into loans from originators
* https://system.lenndy.com/ is a Latvian P2P investment service that finances both consumer and SME loans
* https://www.mintos.com/en/ Investment platform into loans from originators
* https://peerberry.com/ ab investment platform into loans from originators
* https://robo.cash/ Automated investing into loans from originators
* https://www.swaper.com/ is a Latvian loan marketplace platform offering investments in pre-funded unsecured consumer loans originated by its parent company Wandoo Finance Group.
* https://viainvest.com/ - Investment platform into loans from originators
* https://www.viventor.com/ Investment platform into loans from originators

== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://gosavy.com/ is a Lithuanian P2P investment platform
* https://www.finbee.lt/en/ P2P and P2B loans service for consumers and SMEs
* https://www.neofinance.com/ is a Lithuanian P2P investment platform

== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs
* https://www.geldvoorelkaar.nl/ P2P lending service for SMEs

== Poland ==
=== List of P2P financial services in Poland ===
* https://www.finansowo.pl/ P2P loan service for consumers

== Portugal ==
=== List of P2P financial services in Portugal ===
* https://www.raize.pt/ is a Portuguese P2P loan service for SMEs. Raize was the first P2P financial service in Europe to go public with it's IPO in 2018

== Slovakia ==
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/

== Spain ==
=== Short-term loan comparators in Spain ===
* 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 ===
* https://arboribus.com/ P2B lending service for business loans
* https://www.grow.ly/ P2B lending service for business loans
* https://www.loanbook.es/ P2B lending service for SMEs
* https://www.mytriplea.com/ is a Spanish P2P lending service

== Sweden ==
=== List of short-term loan comparators in Sweden ===
* https://loansmart.se/ Jämför smslån och privatlån - Compare short term credits and loans
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/ P2P investments and loans for consumers
* https://toborrow.se/sv/ P2P investments and loans for consumers

== Switzerland ==
* https://www.advanon.com/en - A Swiss P2P invoice financing service

== UK ==
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK

=== List of P2P financial services in UK ===
* https://www.ablrate.com/ P2B financing service
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* https://blendnetwork.com/ is a P2B lending service for established businesses which can provide collateral
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.britishpearl.com/ is a P2P real estate financing service where you can invest in shares in properties or issue a loan. Has ISA investing available
* https://www.burnleysavingsandloans.co.uk/ P2P loans for consumers and companies. Vehicle loans and refinancing
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.capitalstackers.com/ is a P2P lending service for real estate
* https://www.creditpeers.com/ is a Peer-to-Business (P2B) property lending platform
* https://www.crowd2fund.com/ P2P financing for businesses
* https://www.crowdcube.com/ P2B financing for SMEs and startups
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* https://easymoney.com/ is a P2P real estate financing service offering ISA investments
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* https://www.fitzroviafinance.com/ is a P2P property backed real estate financing service
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]
* https://www.formaxcredit.co.uk/ is P2B financing service that will soon be offering ISA.
* [[w:Funding Circle]] [https://www.fundingcircle.com/uk/ (.com)]- investor-to-business loans
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* https://www.thehousecrowd.com/ is an UK P2P financing service where the loans are collateralized by real estate
* http://www.investandfund.com/ P2P lending to residential property developments
* https://invest.kuflink.co.uk/ P2P lending for real estate. Features select-invest, ISA and auto-invest
* https://www.justus.co/ P2P finance for consumer mortgages and loans
* [[w:Landbay|Landbay]] [https://landbay.co.uk/ (.co.uk)] is a peer-to-peer lending platform for residential buy-to-let mortgages
* [[w:LandlordInvest|LandlordInvest]] [https://landlordinvest.com/ (.com)] buy-to-let and renovating secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)] - lending to SMBs
* [[w:Lending Works|Lending Works]] [https://www.lendingworks.co.uk/ (.co.uk)] is the first UK P2P lending company that includes credit default protection for the lenders
* [[w:LendInvest|LendInvest]] [https://www.lendinvest.com/ (.com)] secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://www.moneything.com/ is a P2P financing service for large collateralized loans
* https://www.newable.co.uk/ is a P2B financing service that offers ability to invest via funds or your own investment portfolio.
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.orchardlendingclub.com/ is a P2P lending site that lends to insurance brokers, legal and accountancy firms and schools and parents
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate. Has IFISA eligible products available
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.quidcycle.com/ P2P financing for consumers including refinancing
* [[w:RateSetter]] [https://www.ratesetter.com/ (.com)]
* [[w:rebuildingsociety.com|RebuildingSociety]] [https://www.rebuildingsociety.com/ (.com)] small business loans
* https://trading.relendex.com/ P2B real estate loans. Has self-select and secured-portfolio ISA investment products
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://www.simplecrowdfunding.co.uk/ offers P2P ISA real estate investments and loans
* https://stemfund.com/ P2B loans
* [[w:ThinCats|ThinCats]] [https://www.thincats.com (.com)] investor-to-business loans
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* [[w:Unbolted|Unbolted]] [https://unbolted.com/uk/ (.com)]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* [[w:Virgin Money UK|Virgin Money UK]] [https://uk.virginmoney.com/virgin/ (.com)]
* https://welendus.com/ is a P2P lending service for consumers
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* [[w:Zopa]] [http://www.zopa.com/ (.com)]. The oldest P2P lending site on Planet Earth
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)]

=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]

= Middle East =
== Israel ==
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans
* http://www.wsci.org.il/ consumer loans
* https://best-price.co.il/ consumer loans

== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/ P2B loans platform offering business finance and invoice financing

= South America =
== Brasilia ==
=== List of P2P financial services in Brasilia ===
* https://www.nexoos.com.br/ P2P lending service for loans to SMEs

= North America =

== Canada ==
=== Lists of P2P financial services in Canada ===
* [[w:Optimize Capital Markets|Optimize Capital Markets]] [http://www.optimizecapitalmarkets.com/ (.com)] business financing service

== USA ==

* http://www.consumerfinance.gov/
* http://www.responsiblelending.org/
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.

* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]

=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - P2B platform for investor to business SME loans
* [[w:Groundfloor|Groundfloor]] [https://www.groundfloor.us/ (.us)] P2P crowdfunded real estate investing
* [[w:Invest Next Door|Invest Next Door]] [https://www.investnextdoor.com/ (.com)] - P2B SME loans
* [[w:Lending Club|Lending Club]] [https://www.lendingclub.com/ (.com)] P2P loaning platoform for consumers
* [[w:Peerform|Peerform]] [https://www.peerform.com/ (.com)] P2P loaning platform for consumers
* [[w:Prosper Marketplace|Prosper Marketplace]] [https://www.prosper.com/ (.com)] P2P loaning platform for consumers and debt consolidation
* [[w:SoFi|SoFi]] [https://www.sofi.com/ (.com)] P2P lending service for consumers: refinancing, consumer loans and mortgages
* [[w:Upstart (company)|Upstart]] [https://www.upstart.com/ (.com)] P2P loaning platform for consumers.

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= Links to useful information on P2P lending =
* [http://www.p2pmoney.co.uk/companies.htm Various comparison charts of P2P sites at p2pmoney.co.uk]
* [https://www.p2p-banking.com/ P2P Lending Marketplace News and Reviews at p2p-banking.com]
* [https://www.lendingmemo.com/p2p-lending-sites/ P2P Lending Investing and Analytics Tools and more at lendingmemo.com]
* [https://crowdfundbeat.com/ News & information for Crowdfunding People at Crowdfundbeat.com]