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= Consume(er)ium list of alternative financial services lists =
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
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
[[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 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|'''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]]}}
{{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]]}}
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* APR can range from '''hundreds of percent''' to '''few tens''' of percent. Credit card debt is usually in the 10-15% zone.
* 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 lending, peer-to-peer investing and socially responsible investing ==
{{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}}
{{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 ==
== Microfinance and microcredit ==
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:: More reading [[w:Impact of microcredit|Impact of microcredit]]
:: More reading [[w:Impact of microcredit|Impact of microcredit]]


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


== Socially responsible investing ==
= Multiple countries / global =
{{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]]}}
* 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


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


= Asia =
= 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 ==
== China ==
== List of P2P financial services in China ==
=== List of P2P financial services in China ===
* China Rapid Finance
* http://chinarapidfinance.com/
* CreditEase
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
* http://english.creditease.cn/
* https://www.lu.com/ - [[w:Lufax]]
* https://www.lu.com/ - [[w:Lufax]]
* Tuandai
* http://www.tuandai.com/
* DianRong
* https://m.wolaidai.com/ by http://www.welab.co/
* 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 =
= Europe =
== Lists of P2P financial services in 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]
* [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 ==
== Estonia ==
=== List of P2P financial services in Estonia ===
=== List of P2P financial services in Estonia ===
* https://www.bondora.ee/
* 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 ==
== Finland ==
=== List of Finnish alternative financial services lists ===
=== List of Finnish alternative financial services lists ===
* http://www.kuluttajaluotot.com/
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites].
* http://www.lainaa-netista.com/
* http://vippi.biz/vippivertailu/


=== List of P2P financial services in Finland ===
=== List of P2P financial services in Finland ===
* https://www.bondora.fi/
* https://www.bondora.fi/
* http://www.fellowfinance.fi/
* http://www.fellowfinance.fi/
* https://fixura.fi/
* https://www.fixura.fi/fi-fi/home/
* https://www.lainaaja.fi/
* https://www.lainaaja.fi/
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)
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* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* http://friendsclear.com/ - entre entrepreneurs et investisseurs
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* 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 ==  
== Germany ==  
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* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* 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 ==
== Italy ==
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* http://prestiamoci.it/
* http://prestiamoci.it/
* http://www.smartika.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 ==
== UK ==
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* http://p2pfa.info/ - Peer-to-peer Finance Association of UK
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK


=== List of UK alternative financial services lists ===
=== 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
=== Lists of P2P financial services in UK ===
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* https://www.assetzcapital.co.uk/ [[w:Assetz Capital]]
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.folk2folk.com/ [[w:Folk2Folk]]
* 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.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
* https://www.fundingknight.com/
* 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.ratesetter.com/ - [[w:RateSetter]]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
* 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.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
* 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 ===
=== 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]
* [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 =  
= North America =  
== Canada ==
=== Lists of P2P financial services in Canada ===
== USA ==
== USA ==


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