GoPeer is a person to person lender, meaning that other consumers are the ones lending the money to you. It's very hard to get approved, and was declined in 2020, and applied one year later and still was declined after building my credit to around the high 600's. The customer service is very fast, helpful, and very friendly on telling you why you where declined, and they did not hardpull me the second time, and just did a softpull from what I'm aware of as on the second try, goPeer told me to pay down higher interest debts first before applying againMake sure you have credit scores of 700s or higher applying for this service and not too much debt.
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