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Think of peer to peer left-hand lending to borrow with a stranger. prosper and lending club. they vet your financial history and you get a credit score and write why you need the money and an investor, every day people looking to get a return pick out the people they want to help. the boorer pays a lower rate and an investor earns the money a bank would typically rake n banks spreads are enormous and borrowing at zero and lending it still high rates. and so why can t the average american that. investors can get as little or as much as youment. peer to peer companies working as a middle man to keep ....