P2P Lending / NFT Lending Forum

Hey ladies & gents,

I'm currently in the process of getting a prosper loan funded & this experience has made me extremely interested in the mindset of investors. I've watched videos + read articles about P2P investment strategies & what parameters investors typically like to set when searching for investment opportunities on both Prosper & LC but wanted to see if anyone here would be willing to provide some personal insight.

As I search thru the loans listed on Prosper I see many similar style loans being funded at different speeds. When comparing the borrowers profile some are vastly different which makes sense why the funding speed & overall interest would vary. On the flip side, when comparing nearly identical profiles, loan amount & terms the level of interest in funding seems to vary widely and I'm just curious, from the viewpoint of investors,  why this may be?

I hope this inquiry is clear. Any feedback is greatly appreciated. If you need me to clarify my question(s) or have any follow ups please do not hesitate to let me know!

Thanks everyone!

Hello everyone,

Glad I found this place as it seems to be the only place where borrowers have some capacity to interact with investors.

If you would kindly review the current loan I have posted on Prosper & consider funding it would be greatly appreciated. I know many of you have preset parameters you like to stick with but I wanted to post this with the hopes to provide a "fuller-picture" outside of  some data points.

My income is listed on the prosper application but does not account for my fiancé's income which is within the same bracket  Since she had to go to school for quite some time & obtain her Masters I have been the "provider"  which means most of our collective debt is under my name. Also, we are not married yet (it's only been 15 years, smh... but we are marrying Spring of 2020) so only our mortgage is in both of our names.

I am looking to obtain the loan to consolidate some debt (not sure why it's listed as "other"). I always pay my bills & have a great job with a major insurance company.

Just wanted to provide a little insight & see if anyone here may be interested in taking a look. More than happy to answer any questions.

Thanks in advance,
- Ben

PS: wrote this in my iPhone & didn't proof read.