Broken Hallelujah

Prosper, America's first people to people lending marketplace, was created to make consumer lending more financially and socially rewarding for everyone. The way Prosper works is intuitive to people who have used eBay. Instead of listing and bidding on items, people list and bid on loans using Prosper's online auction platform.

An idea whose time is probably overdue. I'm not sure this particular organization is the answer, but I like the idea of completely cutting the bank out of my loan transaction or my investment procedures.

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