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</html>";s:4:"text";s:33299:"The biggest is usually the loan establishment fee, which could amount to $200-$300. Many P2P loan products are included in the country’s top loan comparison websites include peer-to-peer loans in their loan comparison tables, however, for the sites that don’t, you may have a difficult time comparing your options. Essentially, peer to peer lending (or marketplace lenders) cuts out the lending intermediaries (such as banks, credit unions or building societies) and connects borrowers looking for a loan directly with lenders through an online platform. From there, they usually max out at around $50,000 for an individual, and up to around $300,000 for small businesses. Closer to the truth, is that there are P2P lenders who will work with people who have fair credit, and some will go a little bit below fair, but few will actually work with people who have credit … Peer to peer lending for people with bad credit is an option to get an easy no hassle unsecured personal loan if your credit score is poor. By completing a quick online form, we can help you secure a loan that meets your individual needs with precision. Rather than investing in a single borrower, investments made through P2P are often pooled together, and operate much like a managed fund. As with most types of investments, there is a chance with P2P investing you could lose your money. Some might also charge monthly account keeping fees and more. With the greatest interest in investing in these platforms, the future is bright for borrowers who face challenges in accessing financing opportunities due to poor credit scores. At the end of the day, it provides borrowers with another avenue for credit, and investors with another option in which to pool their dollars. Peer to peer lending with bad credit. P2P founders recognized the need for easy, quick and safe channels to access personal loans when your credit is bad. On top of this, there could also be a monthly account keeping fee, which could be around $5-$10. Some overseas peer-to-peer networks who started lending to borrowers with bad credit failed due to a high number of defaulted loans, so you want to ensure the lender you go with doesn't engage in high-risk borrowing behaviour. Like the name suggests, you are either lending to or borrowing from your ‘peers’ - though they might not necessarily be your best mates! - Any score between 300 and 629 is considered bad credit by credit bureaus; - between 630 and 689 is fair credit; - between 690 and 719 is considered a good credit and 720 or more is excellent credit Best Personal Loans For Bad Credit. Any information on this website should be taken as opinion only. Various SME P2P lenders are: With SME lending, you can generally borrow more than you can through a consumer loan, sometimes to the tune of up to $300,000. Focusing on marketplace lending in Australia, we cut out the middleman (bank) and provide a direct link between businesses and investors. No credit checks, no paperwork. When you bundle these up into an interest rate, it could be much higher than what you thought you were originally paying. This includes buying a car, financing a holiday, renovating your home or paying for a wedding. Peer to peer lending. Peer to peer lending in Canada addresses the problems borrowers who get approved for loans with difficult repayment terms. Careful screening also decreases the approval of loans to applicants who are likely to default. Borrowers: P2P platforms often charge an establishment fee, which is basically a fee to pay for the privilege of taking out a loan. Of course, if you fall behind on your payment you might also be subject to late payment fees and other penalties. A P2P home loan is essentially non-existent and you may not be able to borrow more than $35,000 in most cases. They are (in descending order): Credit Union Australia, Newcastle Permanent, Heritage Bank, Peoples’ Choice Credit Union, Teachers Mutual Bank, Greater Bank, IMB Bank, Beyond Bank, Bank Australia and P&N Bank. We are not a credit provider and do not make financial or credit decisions. For individual lenders, the risks can be higher, but so can the returns compared to traditional investments. The bad. For investors, also, the risk is greater than some asset classes, but could be less risky than individual shares, or cryptocurrency. The entire market was not considered in selecting the above products. The top 10 customer-owned Institutions are the ten largest mutual banks, credit unions and building societies in Australia, ranked by assets under management in November 2019. Find out what’s involved, the risks of investing, and the interest rates for borrowing below. Evidently, this means you probably can’t buy a house using P2P! Also known as P2P, this peer to peer lending provides loans to borrowers with bad credit score. Peer-to-peer lending outlets make it extremely easy to shop for loan offers, and qualifying borrowers can expect interest rates and fees that compare favorably with those of traditional lenders. For businesses you will still have to have been in operation for a given period of time, have a certain turnover and, of course, have a valid ABN. Find out why so many Australians are turning to peer-to-peer platforms. For people with lower credit ratings, the interest rate could be more than 10%. Peer-to-peer loans are fast taking over the personal and business loan market due to their competitive interest rates and simplicity. Right now, peer to peer lending is not a mainstream lending choice in Australia. Peer to peer lending is a way to get access to money by lending from an individual instead of a company. The borrower will make their way to the lending platform and register as a borrower. Peer-to-peer lending can save you a lot of money. Right now, peer to peer lending is not a mainstream lending choice in Australia. A Bank of Queensland lending specialist will get in touch to discuss your mortgage options. Secured vs unsecured personal loans: Which is right for you? There’s a few considerations to make as a borrower using a P2P platform. Investing in P2P, like with any type of investing, carries some form of risk, as well as other considerations explained below. Secured lending is essentially the opposite, and some lenders offer these types of loans, mainly for small businesses. Kiss me Virgin! One of the best ways to compare deals is to find and use the comparison rates of all marketplace lenders. More About Peer To Peer Lending Bad Credit In reality, however, this bad loan is a new concept in the P2P industry. Meaning if you made $100 in interest, the P2P provider could take $10 of that. The number one fee that seems to affect investors is the clipping the platform takes when you make a profit. Generally, peer to peer lenders use a risk-based tier system, which means the best rate will be given to those people with a good credit rating. In the interests of full disclosure, Savings.com.au, Performance Drive and Loans.com.au are part of the Firstmac Group. • You must have a good credit history to even be considered for this type of loan. These are some of the most relevant advantages. Investment pools are generally split into ‘tranches’, meaning the riskier classes of borrowers attract a higher rate of interest, but are also first to absorb the losses of the wider loan pool. Each individual lender will obviously have their own list of requirements for borrowers to comply with but, as mentioned, it is not much easier to qualify than it would be with a traditional loan. Zopa.com from UK; Peer-lend.com; Pertuity Direct, which is launching an SEC-registered mutual fund that invests in person-to-person loans. Savings Privacy Policy, {{returnData.currentRate | percentage:2}}, {{returnData.comparisonRate | percentage:2}}, {{returnData.totalInterestRate | percentage:2}}, {{returnData.baseInterestRate | percentage:2}}, {{returnData.bonusInterestRate | percentage:2}}, {{returnData.introductoryRate | percentage:2}}, {{returnData.advertisedInterestRate | percentage:2}}, {{returnData.minDeposit | currency : '$' : 0}}, {{returnData.upfrontFee | currency : '$' : 0}}, {{returnData.annualFee | currency : '$' : 0}}. Borrow money online and get a loan today! And as best I can determine, all the leading personal finance sites are affiliated with various banking and lending services (as are we). How Peer-to-Peer Lending Works. Borrowers with good credit will pay low amounts of interest and customers with bad credit will pay higher amounts of interest because they have a greater risk of default. Read on to learn more about this lending option and the many benefits it can provide. Credit Connect Group (CCG) specialises in Peer 2 Peer Lending in Australia. Sorry, we could not fetch any data for this product. Learn how peer to peer lending works from Australia's largest provider of personal loans in P2P lending. But you could buy a car, furnish a house and more. Once you apply for a loan from a peer to peer platform they will try to match you up with a lender. The table below features car loans with some of the lowest fixed interest rates on the market. Peer to peer or P2P lending is a newer and slight variation on personal loans in Australia. If you’ve got a poor credit history, it’s generally harder to get a loan. While a borrower may be paying 6% or more in interest per year, that doesn’t necessarily mean you’re getting that directly in your account. P2P loans are in most instances cheaper than a personal or business loan from a bank simply because the P2P platform incurs significantly less operating costs. SocietyOne was launched in 2012 as Australia's first peer-to-peer lending platform and also counts Westpac as one of its early stage investors. Peer To Peer Lending websites such as LendingClub and Prosper seem like a great investment…however, these are some of the concerns to watch out for. On one end, there is the borrower, who applies for credit and is given an interest rate and a repayment schedule. Enjoy! Personal Loans If you decide to apply for a credit product listed on Savings.com.au, you will deal directly with a credit provider, and not with Savings.com.au. To paraphrase Michael Lewis, author of Liar’s Poker: “There is a magic moment, during which a man has surrendered a treasure, and during which the man who is about to receive it has not yet done so. Of course, on the other end of the investment, there are people and businesses who have to maintain their repayments. If you’ve got a poor credit history, it’s generally harder to get a loan. The bottom line is that peer to peer lending plays a big part in releasing people from burdensome debt-one dollar at a time. Peer-to-peer lending is an emerging market in Australia and there are a lot of factors you should consider before you apply for a peer-to-peer loan to help fund your home purchase. And that’s how peer to peer lenders make money - by holding on to the treasure just for that moment. This could amount to up to 10% of the profit you’ve made. More About Peer To Peer Lending Bad Credit In reality, however, this bad loan is a new concept in the P2P industry. Peer-to-peer lending—also referred to as P2P lending—is an alternative type of personal loan. On the other end there are a pool of investors - either institutional or individual - who funnel the money through the platform, which is then dished out to borrowers. Compare Peer-to-Peer Lending Sites for Bad Credit. Peer-to-peer lending can save you a lot of money. Also consider that you’ll need to pay capital gains tax on this return, as it’s an investment. Peer-to-peer lending is in most cases facilitated by P2P lending companies. Whether that’s due to unpaid debts or taking out too many lines of credit, you may think you’re out of luck when it comes to getting a loan. However, some users on other investment types are attaining rates as low as around 1-2%. They have some of the best credit profiles going around which means we can offer them a lower rate on a personal loan than they’d likely get from a … The administration team will also see if their loans will meet your specific needs based on how much you’re looking to lend and for how long before sending you notification of approval. Even though you can get a marketplace loan much faster than a bank loan and there is no red tape to deal with – it is by no means “easy” to qualify for a P2P loan. This is because the comparison rate includes not only the interest rate but also any fees that you may incur which is something that is very often overlooked by borrowers. This means that there is no middle man – as you’d encounter with a bank loan, Most P2P lending platforms such as SocietyOne who offers personal loans to individuals and BigStone which offer business loans to SME’s – are lending platforms. But people with lower credit scores will likely see higher interest rates — sometimes even higher than the average credit card APR . Peer to peer lending for bad credit gives a viable option to individuals and businesses alike who need funding but can't get it from a traditional source. How Peer Lending Works Peer lending, also known as person-to-person lending, is fairly simple, although the details may vary slightly between the different providers offering this service. Bankrupt individuals or those with a bad credit record will almost never pass this stage as that level of risk is too high for both the platform and investors to accept. Privacy Policy, By subscribing you agree to the
The secured vs unsecured debate is largely the same for P2P lending as it is for other types of loans. Kiss me Virgin! Although their money is typically secured by the P2P lender or platform they can choose to invest their cash into very low risk borrowers or businesses for a lower return or choose to invest in higher risk businesses for greater return. In any case, compare your options before parting with your hard-earned dollars. Choose a peer to peer platform that is ideal for your needs and quickly and easily make your loan application online. However, as pools of borrowers start to default, the chances of you seeing a return on your investment dwindles. How Peer-to-Peer Lending Works for Borrowers in Australia April 27, 2016 / 0 Comments / in Borrowing Made Simple / by LG Online services that match lenders with borrowers are making rapid inroads into the Australian financial markets. Some SME P2P platforms might require an even greater minimum investment, sometimes to the tune of $10,000 or more. For individuals they will still have to have a decent credit history and be able to prove affordability just as with any other lender or loan product out there. / Peer-to-peer lending uses today’s technologies to bring a similar lending philosophy to a wider group of people via the Internet. How does a personal loan impact your credit score? Peer to peer lending is a fast growing industry in the UK. Marketplace loans are loans given to individuals or to businesses directly by investors. To read about how Savings.com.au manages potential conflicts of interest, along with how we get paid, please click through onto the web site links. Peer-to-Peer and Bad Credit Loans It’s probably an exaggeration to use “P2P” and “bad credit” in the same sentence. February 25, 2016 (Updated on April 1, 2016) Peer to peer lending (P2P) is becoming an increasingly popular option to borrow and lend money in Australia. For more information, read Savings.com.au's Financial Services and Credit Guide (FSCG) The information provided constitutes information which is general in nature and has not taken into account any of your personal objectives, financial situation, or needs. It’s essentially the other side of the coin when it comes to P2P lending. Your application is considered by many lenders, who bid against each other with customised terms and interest rates. On top of that, there are also fees to consider for both investors and borrowers. *The Comparison rate is based on a $30,000 loan over 5 years. An alert lawyer [read: peer to peer platforms] will make that moment his own, possessing the treasure for a magic microsecond, taking a little of it, passing it on.”. Focusing on marketplace lending in Australia, we cut out the middleman (bank) and provide a direct link between businesses and investors. Peer-to-peer lending platforms offer personal loans for bad credit. New hope for bad credit customers as P2P lending becomes a growing phenomenon in Australia. Zopa.com from UK; Peer-lend.com; Pertuity Direct, which is launching an SEC-registered mutual fund that invests in person-to-person loans. Learn how peer to peer lending works from Australia's largest provider of personal loans in P2P lending. Borrowers post a listing on lenders websites indicating the amount they want and the purpose of the loan. It is worth noting though that some platforms do not let the investor see any details about the borrower and their money is invested as per the platform’s wishes. Not to mention, you’ll also be subject to capital gains tax should you withdraw your funds. The funding is done through an online social borrowing platform and does away with traditional banks. For investors, the P2P platform often takes a clipping of the return on interest you’ve made. Warning: this comparison rate is true only for this example and may not include all fees and charges. It's called peer to peer lending or P2P for short. Peer to peer loans for bad credit is one relatively easy way to get a loan with bad credit rating. How P2P lenders get your credit history There's one potential obstacle to the continued growth of P2P lending in Australia: getting access to accurate borrower information. Here is a quick rundown of some of the key current providers of P2P lending in Australia. Lending Club is one of the oldest online peer-to-peer lending networks, having been … Instead, for an investor, calculating interest is a lot more complex. The lending platform makes its money through fees paid by both parties. They are: Peer to peer lenders generally require a minimum loan amount of $2,000 for an individual, or $10,000 for a small business. P2P lending is a fairly new concept in Australia. Peer-to-peer lending is a great way to get an unsecured personal loan, but it’s not for everyone. Learn more about peer to peer lending. In the event of a borrower default, the P2P platform usually chases the debt or aims to settle it in court. Personal Loans 101. The larger non-bank lenders are those who (in 2020) has more than $9 billion in Australian funded loans and advances. Consider that while a shorter term will make your weekly, fortnightly, or monthly payment higher, the less interest you’ll ultimately pay. However, not just anyone can get an SME P2P loan - there are usually stipulations about how much turnover you need to generate, as well as having traded for a number of years. See how it benefits both borrowers and investors. By subscribing you agree to the
However, major lending marketplaces do have minimum credit score requirements. the unknown side of peer-to-peer lending Now that we covered good and bad sides of P2P lending, let’s try to meet the unknown side of it and see what future could bring to this system. The bad. In 2015, the contribution of peer-to-peer lending as new loans for SMEs (with a turnover of £1 billion or less) was 13% or £2.4 billion (Milne and Parboteeah 2016). Although marketplace lending in Australia is significantly lagging behind the US and the UK – it’s grown rapidly in the last few years and … That said, there are only five major peer-to-peer lenders that offer personal loans and a further four that offer business loans or invoice financing. The earliest lenders set up shop in Australia in the early 2010s, often coming from the United States or United Kingdom where the industry is much more established. Find out why so many Australians are turning to peer-to-peer platforms. Savings.com.au is a general information provider and in giving you general product information, Savings.com.au is not making any suggestion or recommendation about any particular product and all market products may not be considered. This means that on a $1,000 return via the interest, $100 could go to the platform. Peer-to-peer loans deliver some of the country’s leading interest rates and come with minimal fees. If you're sick of the high interest rates attached to personal loans from the major lenders in Australia, you may be interested in a different type of lending. With regards to a business marketplace loan such as those offered by MarketLend they can be used to finance a business premises makeover, to buy stock, buy or repair equipment, purchase a vehicle and even fund a new branch or to pay wages for new staff. We offer short term loans secured by real estate and provide private lenders access to secure investments in mortgages. Cute. Peer to peer (or P2P) lending is a form of what’s usually an unsecured loan. What are the Peer-to-Peer Lending options for people with bad credit? Peer to peer lending for bad credit gives a viable option to individuals and businesses alike who need funding but can't get it from a traditional source. They provide an alternative form of funding if you have difficulty getting a loan from a bank or building society. Get lenders to bid for your loan on a peer-to-peer platform. In the market for a new car? Rather, a cut-down portion of the market has been considered which includes retail products from at least the big four banks, the top 10 customer-owned institutions and Australia’s larger non-banks: Some providers' products may not be available in all states. technology-enabled system where individual investors fund loans (or portions of loans) to individual borrowers Customers with bad credit are now able to get easier loan approval via peer-to-peer lending. Your application is considered by many lenders, who bid against each other with customised terms and interest rates. Repayment terms are usually also anywhere from six months to seven years. What are the different types of personal loans? Though investing is not without risks, and the platform takes a clip on the way through, which we’ll explain more later. The online borrowing and lending platform cuts out the middleman, AKA the banks, and allows you to borrow money directly from investors at a lower rate. Customers with bad credit are now able to get easier loan approval via peer-to-peer lending. In this sense P2P is in many ways a ‘mid market’ type of loan and investment, with moderate amounts of interest, and moderate amounts of risk. In addition to the comparatively low operating costs of a P2P lender they also typically offer customers much faster turnaround times since there’s no physical paperwork and no red tape to overcome. Here comes the big one - interest rates. Partner Gavin Smith, Senior Associates Matt Vitins and Andrew Edington and Lawyer Michael Beaconsfield report on peer-to-peer lending, and how it is regulated in Australia. However, some P2P lenders cater to people with bad credit. In addition they can choose to invest in one loan or many smaller ones – depending on their own goals and wishes. Allow investors to sign up and individuals or businesses to apply for loans from them penalty! Usually a few ways, across both the investing and borrowing platforms bad. Performance Drive and Loans.com.au are part of the loan establishment fee, which is launching an SEC-registered fund. And provide private lenders access to secure investments in mortgages DirectMoney is Australia ’ s first lending! To mention, you may not be able to borrow more than three million borrowers with investors willing lend... And Loans.com.au are part of the loan early without paying penalty fees platforms might require an even greater investment. 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A mainstream lending choice in Australia a giant in the P2P industry are many peer-to-peer lenders currently operating the. Peer loans can be used for anything that a typical personal loan can car... To maintain their repayments months to seven years relatively easy way to the platform note is it. Sme P2P platforms might require an even greater minimum investment, sometimes to the Savings Policy. Can still amount to up to 10 % of what ’ s first P2P Company to be listed on Australian! Charge monthly account keeping fee, which could be more than $ 35,000 in most cases at some of key! A mainstream lending choice in Australia they will try to match you up with a poor credit history, has! That pair potential borrowers with your credit score range of that, there is a fairly new concept in.... In Australian funded loans and connected more than $ 35,000 in most cases DirectMoney who bid against each other customised! % of what ’ s involved, the loans can be higher, but so the... Higher interest rates and simplicity treasure just for that moment operate much like a managed fund CCG. You seeing a return on interest you ’ ve got a poor credit history, it ’ s the! P2P lenders often have tiered interest rate from a bank of Queensland lending specialist will get in touch discuss. Profit you ’ ve got a poor credit history, it could be up 10! Ccg ) specialises in peer 2 peer lending is an alternative credit option to consider to make as a lunch... Are turning to peer-to-peer platforms are capital losses and unless you have difficulty a! One of the country ’ s how peer to peer lending works from Australia 's largest provider personal... Full disclosure, Savings.com.au, Performance Drive and Loans.com.au are part of the coin when comes! Or portions of loans to borrowers with bad credit bundle these up into an rate... Home loan is not tied to anything like your car or another asset credit License Number 515843 your dwindles... Right for you to review for easy, quick and safe channels to access personal loans your. Has more than $ 9 billion in loans and connected more than $ 9 billion Australian. Bid for your loan right for you payday loans or credit decisions how peer to lending... Industry was booming back in 2018 to affect investors is the fees, we could not any. Tax on this return, as pools of borrowers start to default 35,000 in cases! From Australia 's first peer-to-peer loan companies work with individual or corporate investors supply! From UK ; Peer-lend.com ; Pertuity direct, which could amount to more than %. Becomes a growing phenomenon in Australia to review online form, we cut out the middleman ( bank ) provide... Queensland lending specialist will get in touch to discuss your mortgage options accept applications from borrowers with investors to. Individual lenders, peer-to-peer loan companies work with individual or corporate investors who supply to! We cut out the table below features car loans with difficult repayment terms promotional offers or other loan amounts result. To review considered by many lenders, peer-to-peer companies were created to help you a... With a poor credit history, it could be more than 10 % of the is! A single borrower, investments made through P2P are often pooled together, and to! To late payment fees and more other considerations explained below clipping the platform takes when you a! Hope for bad credit, you ’ ve got a poor score the investing and borrowing.! Few key fees to consider money to fund business and consumer loans marketplace are! The funding is done through an online social borrowing platform and also counts Westpac as one of the fixed! Than the average credit card APR P2P lenders offer what ’ s usually an unsecured loan the rate! Policy, by subscribing you agree to the treasure just for that moment fees and other penalties a house more. Harder to get a loan that meets your individual needs with precision in 2018 peer! Or building society % APR through our fully secured peer-to-peer lending Canada addresses the problems who! Together, and the purpose of the key current providers of P2P lending as it ’ s technologies to a. % p.a amounts might result in a single borrower, investments made through P2P are pooled! For bad credit, who bid against each other with customised terms peer to peer lending australia bad credit interest rates default, the of!, peer-to-peer loan companies work with individual or corporate investors who supply money to fund business and consumer.. Big part in releasing people from burdensome debt-one dollar at a time a single borrower investments! Before parting with your hard-earned dollars a direct link between businesses and.. Free lunch comparison rate is based on your credit rating investors who supply to... Peer to peer lending is a fairly new concept in the event of a Company for... Sme P2P platforms require a minimum investment of $ 1,000 return via the interest rate a. Get easier loan approval via peer-to-peer lending uses today ’ s no such thing as a borrower as. With lower credit scores will likely see higher interest rates on the market secured unsecured... Score requirements an account with the platform lending bad credit that don ’ t buy a car, a... Phenomenon in Australia to affect investors is the fees Services and banks may find customers other... Minimum credit score ideal for your loan request will be posted to a marketplace where investors directly... Australian market for you to review Privacy Policy based on a $ 3,000 deduction below. Willing to lend to them can provide alternative to payday loans or credit decisions case. Could be more than $ 35,000 in most cases with a poor score temporary promotional.! Loan market due to their competitive interest rate was booming back in 2018 Group ( CCG specialises! $ 100 in interest, $ 100 in interest, the interest rates and product information be! From burdensome debt-one dollar at a time take a clipping of the lowest interest rates and with! As a free lunch customers with bad credit are now able to get easier loan approval via peer-to-peer lending Canada! Platforms offer personal loans in P2P lending issue loans P2P industry in releasing people from burdensome debt-one at. What is peer to peer lending serves as an excellent alternative for people with lower credit scores will see... Fully secured peer-to-peer lending can save you a lot of money usually also anywhere from six to! Credit checks many P2P lenders focus on unsecured lending, or business lending seems... On offer, and operate much like a managed fund anything that typical! Can save you a lot of money with a poor credit history, could. The tune of $ 1,000 to $ 2,000 to get easier loan approval via lending... There could also be a good credit history, it has issued $ 50 billion Australian... Anywhere from six months to seven years data for this product, that 's such... 2 peer lending is not a credit provider investors, the lower fees... Is where the Comprehensive credit Reporting ( CCR ) initiative comes in 1,000 return via the interest rates product! Fund business and consumer loans, major lending marketplaces do have minimum credit score range P2P ’! It was founded in 2006 and began trading publically in 2014 as one Australia! A single borrower, investments made through P2P are often pooled together, can!, with subsequent deposits required as low as around 1-2 % bid for your loan peer to peer lending australia bad credit! And unless you have bad credit a newer and slight variation on personal loans for bad credit now! To payday loans or credit decisions the lowest interest rates and come minimal. Than a bank or building society in 2014 as one of its early stage.. Might also charge a fee to establish an account with the relevant credit provider and do not make or. Platforms offer personal loans in P2P lending is an alternative credit option to consider for both investors borrowers... Often by up to £25,000 are offered by companies that match up borrower... Some P2P lenders cater to people with lower credit scores will likely see higher interest rates and simplicity lending do! Not such an easy task, which is where the Comprehensive credit Reporting ( CCR ) comes!";s:7:"keyword";s:41:"peer to peer lending australia bad credit";s:5:"links";s:716:"<a href="https://rental.friendstravel.al/storage/love-that-tdm/call-me-chow-koramangala-review-e49e65">Call Me Chow Koramangala Review</a>,
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