This is the Consumerium list of 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

Predatory lending ->

payday loan ->

Proletariat finance ->

peer-to-peer loan ->

Credit card debt ->

Bank loan

What is alternative finance? What are alternative financial services?

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

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

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

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

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

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

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

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

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

Microfinance and microcredit

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

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

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
Kiva (.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 socially responsible investments in USD.
https://www.swellinvesting.com/ offers w:impact investing services in USD.
United Prosperity (.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.
Zidisha (.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 bitcoin (BTC) based P2P lending initiatives in emerging countries.
http://www.pointninecap.com/bitbond - BTC based SME funding
BTCJam (.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/
Virgin Money Australia (.com.au)
Wisr (.com.au) is a publicly listed P2P lending site for consumers in Australia.

China

List of P2P financial services in China

http://chinarapidfinance.com/

Hong Kong

List of P2P financial services in Hong Kong

https://www.welend.hk/en/ by w:WeLab (.co)] is a P2P financing service aimed at private individuals

India

List of P2P financial services in India

https://cashkumar.com
http://i2ifunding.com
Inox Capitals (.com)
https://www.lendbox.in
Milaap (.org) microfinance in India and Singapore
Rang De (.org) microfinance by P2P lending.

Korea

8Percent (.kr)is a korean P2P financing service for businesses
Funda (.kr) is a P2P financing service for SMEs
Honest Fund (.kr) is a P2P financing service by BMO
Lendit (.co.kr) is a korean P2P financing service for consumers
Roof Funding (.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

Harmoney (.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 (.com) P2B financing for SMEs in the Southest Asia
Funding Societies (.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 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://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 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
Funding Circle (.com) Firmenkredit was previously called w:Zencap (.de).
https://www.crosslend.com/ is a German B2B investing service
Lendico (.com) P2B loans platform

List of P2P rental services in Germany

Erento (.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
Abundance Investment (.com) P2P funding for ethical and ecological projects and endeavors.
https://www.archover.com/ P2P financing for businesses
Assetz Capital (.co.uk)
https://blendnetwork.com/ is a P2B lending service for established businesses which can provide collateral
BondMason (.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
EdAid (.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
Folk2Folk (.com)
https://www.formaxcredit.co.uk/ is P2B financing service that will soon be offering ISA.
w:Funding Circle (.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
Landbay (.co.uk) is a peer-to-peer lending platform for residential buy-to-let mortgages
LandlordInvest (.com) buy-to-let and renovating secured by real estate P2P investments and loans
https://www.lendable.co.uk/ P2P finance for private individuals
LendingCrowd (.com) - lending to SMBs
Lending Works (.co.uk) is the first UK P2P lending company that includes credit default protection for the lenders
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://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 (.com)
RebuildingSociety (.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
ThinCats (.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
Unbolted (.com)
https://www.wellesley.co.uk/ - w:Wellesley & Co.
Virgin Money UK (.com)
https://welendus.com/ is a P2P lending service for consumers
https://www.yesgrowth.com/ secured and unsecured P2B loans
w:Zopa (.com). The oldest P2P lending site on Planet Earth
LendingCrowd (.com)

Lists of P2P financial services in UK

Guardian profiled major peer-to-peer lenders in 2014 story

Middle East

Israel

List of P2P financial services in Israel

BLender p2p (.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

Optimize Capital Markets (.com) business financing service

USA

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

More reading 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
Groundfloor (.us) P2P crowdfunded real estate investing
Invest Next Door (.com) - P2B SME loans
Lending Club (.com) P2P loaning platoform for consumers
Peerform (.com) P2P loaning platform for consumers
Prosper Marketplace (.com) P2P loaning platform for consumers and debt consolidation
SoFi (.com) P2P lending service for consumers: refinancing, consumer loans and mortgages
Upstart (.com) P2P loaning platform for consumers.

Links to useful information on P2P lending