What do you do when you need the money and don’t have it? You borrow. What if the bank refuses to lend you? You ask friends or relatives, which is the general trend. However, there are many people today who prefer to keep their borrowing spree away from the glare of family and friend circle scrutiny, thanks to the online peer-to-peer (P2P) lending platforms that exist these days. These platforms are manna for both borrowers and lenders; unlike conventional lending through banks and lending companies, P2P uses informal routes to make credit available to those who need it.