Lists of alternative financial services: Difference between revisions

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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'''.

~~This is the Consume~~(er)ium list of ~~[[w:~~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]] -> ~~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 are 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.

== Peer-to-peer lending ~~and~~ peer-to-peer investing ==

== 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|'''~~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~~|[[w:~~peer-to-peer 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}}

== Microfinance and microcredit ==

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:: 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~~]]}}

* http://www.pointninecap.com/bitbond - Bitcoin based SME funding

* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s

~~{{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}}~~

* http://www.energyincommon.org/ - [[w:Energy in Common]] microloans for renewable energy solutions

* 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

= Asia =

== Australia ==

== List of P2P financial services in Australia ==

=== List of P2P financial services in Australia ===

* https://www.societyone.com.au/

== China ==

== List of P2P financial services in China ==

=== List of P2P financial services in China ===

* ~~China Rapid Finance~~

* http://chinarapidfinance.com/

* ~~CreditEase~~

* http://english.creditease.cn/

* https://www.lu.com/ - [[w:Lufax]]

* ~~Tuandai~~

* http://www.tuandai.com/

* ~~DianRong~~

* 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 ==

=== 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 ==

=== List of P2P financial services in India ===

* https://~~www~~.~~i2ifunding~~.~~com~~

* http://i2ifunding.com

* https://cashkumar.com

* https://milaap.org/ [[w:Milaap]] microfinance

== New Zealand ==

== List of P2P financial services in 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 ==

=== List of P2P financial services in Singapore ===

* https://www.fundingsocieties.com/

~~== United Arab Emirates ==~~

~~== List of P2P financial services in UAE ==~~

* https://www.beehive.ae/

= Europe =

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=== List of P2P financial services in Estonia ===

* https://www.bondora.ee/

* ~~Estateguru~~ (2014)~~, Crowdestate~~ (2014)~~, MoneyZen~~ (~~2014~~)~~, Investly~~ (2014) ~~and Fundwise~~ (~~2015~~).

* https://crowdestate.eu/ (2014)

* 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 ===

* 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 ===

* https://www.bondora.fi/

* http://www.fellowfinance.fi/

* https://fixura.fi/

* https://www.fixura.fi/fi-fi/home/

* https://www.lainaaja.fi/

* https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

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* 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 »

== Germany ==

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* http://prestiamoci.it/

* http://www.smartika.it

== Lithuania ==

=== List of P2P financial services in Lithuania ===

* https://www.finbee.lt/en/

== Poland ==

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

=== List of P2P financial services in UK ===

=== ~~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://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages

* 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.ratesetter.com/ - [[w:RateSetter]]

* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]

* https://www.savingstream.co.uk/

* https://www.thincats.com investor-to-business loans [[w:ThinCats]]

* 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

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* 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]

= 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

* https://www.incredita.co.il consumer loans

* TARYA consumer loans

== United Arab Emirates ==

=== List of P2P financial services in UAE ===

* https://www.beehive.ae/

= North America =

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=== 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)]]