Does it feel like some cold bold robbery to save your money with my bank which they trade with and give you a 5% interest in return? Yet the same bank would make you pay a whopping 15% if you dare borrow part of that money! A report by Transparency Market Research shows that about 26% of Americans have been using the Peer-2-Peer lending service which by 2018 would predictably be worth $86 billion. So if you’re thinking of getting your loans elsewhere, Peer-2-Peer is your alternative. This is how Peer-2-Peer lending works.