Marketplace Lending (Personal)

United States

Highlights
Market definition
in-scope / out-of-scope
Reports special
  • Transaction Value in the Marketplace Lending (Personal) segment amounts to US$32,963m in 2018.
  • Transaction Value is expected to show an annual growth rate (CAGR 2018-2022) of 16.5% resulting in the total amount of US$60,811.0m by 2022.
  • In the Marketplace Lending (Personal) segment, the number of users is expected to amount to 5,976.1 thousand by 2022.
  • The average transaction value per user in the Marketplace Lending (Personal) segment amounts to US$9,738 in 2018.
  • From a global comparison perspective it is shown that the highest transaction value is reached in China (US$79,265m in 2018).
Show more
Marketplace Lending platforms offer private users the option to place requests for loans in an online marketplace to find private investors who would invest at an appropriate interest rate. Portals such as Lending Club, Zopa, auxmoney and Prosper apply a credit score and list the financial requests by intended purpose before fixing a lending rate. One or more investors can then serve the credit request. Although banks act in cooperation with the platform providers, the lending is done, in principle, without direct exposure, risk audits or the formal requirements normally associated with credit lending. This is attractive for many users because the processes are expedited, there is less demand when it comes of the borrower’s creditworthiness and the conditions are often more flexible than with traditional bank loans. Users are defined in this case as active borrowers on an online platform; applicants or investors who are only partially recorded as users are not included. The amount of outstanding, short-term installments or consumer loans recognized during the applicable year is used here as a benchmark.

Online comparison marketplaces for bank loans are not included in this segment.
in-scope
  • Online marketplace for personal loan applications and private investors
  • Peer-to-Peer loans with interest rates depending on internal credit scoring of the platform provider
  • Notable P2P lending platforms, e.g. Lending Club, Prosper, Funding Circle
out-of-scope
  • Online comparison websites for bank loans
  • Traditional bank loans
  • Loans for business purposes (see Crowdlending)
FinTech Report 2018

FinTech Report 2018

Statista Digital Market Outlook - Market Report
Download
Transaction Value (2018)
+28.4% yoy
US$32,962.8m
Number of Loans (2018)
+26.6% yoy
3,384.9 thousand

Transaction Value Transaction Value Growth

in the Marketplace Lending (Personal) market in million US$ in percent

Reading Support Total Transaction Value in the Marketplace Lending (Personal) segment amounts to US$32,963m in 2018. Reading Support The Marketplace Lending (Personal) segment is expected to show a transaction value growth of 22.9% in 2019.

PNG Download
  • Transaction Value
  • Transaction Value Growth
Info

Transaction Value:

The "Transaction Value" box shows the forecasted value of transactions in the selected market (market segment, region) for each year. The figures do not refer to the actual revenue that is generated by the processing companies.


Transaction Value Growth:

The "Transaction Value Growth" box shows the year-over-year development of the transaction value in the selected market (market segment, region) in percentage terms.

A definition and detailed explanation of the displayed markets can be found here.
×

Number of Loans

in the Marketplace Lending (Personal) market in thousand

Reading Support In the Marketplace Lending (Personal) segment, the number of successfully funded alternative loans is expected to amount to 5,976.1 thousand by 2022.

PNG Download
Info

Loans:

The box shows the number of successfully funded alternative loans (within the last 12 months) in the selected market and the selected region.

A definition and detailed explanation of the displayed markets can be found here.
×

av. Funding per Loan

in the Marketplace Lending (Personal) market in US$

Reading Support The average funding per loan in the Marketplace Lending (Personal) segment amounts to US$9,738 in 2018.

PNG Download
Info

Average Funding per Loan:

The box shows the average funding per successfully funded alternative loan in the selected market (market segment, region). The volume refers to the overall fundings in the respective segment proportionally to the number of successfully funded loans in a one-year period.

A definition and detailed explanation of the displayed markets can be found here.
×

Global Comparison - Transaction Value

in the Marketplace Lending (Personal) market in million US$

Reading Support With a total transaction value of US$79,265m in 2018, the highest value worldwide is reached in China.

PNG Download
Top Countries
China
United States
United Kingdom
Germany
France
Info

Global Comparison – Transaction Value:

The box shows a comparison of transaction values for 50 of the world's leading digital economies in the selected market (market segment, region) and year.


A definition and detailed explanation of the displayed markets can be found here.
×
XLS Download

Key Market Indicators

The following Key Market Indicators give an overview of the demographic, economic and technological development of the selected region on the basis of general KPIs. The calculation of Statista’s Market Outlook is based on a complex market-driver logic including over 400 region-specific data sets.

2016201720182019202020212022 CAGR
(2016-2022)
Mobile Phones Volume / Capita in units
Average per capita sales of mobile phones in units | Source: Statista Analysis
x.xx x.xx x.xx x.xx x.xx x.xx x.xx
Laptops Volume / Capita in units
Average per capita sales of laptops and tablets in units. | Source: Statista Analysis
x.xx x.xx x.xx x.xx x.xx x.xx x.xx
Desktop-PCs Volume / Capita in units
Average per capita sales of Desktop-PCs in units. | Source: Statista Analysis
x.xxx x.xxx x.xxx x.xxx x.xxx x.xxx x.xxx
Mobile Phones Revenue / Capita in US$
Average revenue of mobile phones per capita | Source: Statista Analysis
xxx.x xxx.x xxx.x xxx.x xxx.x xxx.x xxx.x
Laptops Revenue / Capita in US$
Average revenue of laptops and tablets per capita. | Source: Statista Analysis
xxx.x xxx.x xxx.x xxx.x xxx.x xxx.x xxx.x
Desktop-PC Revenue / Capita in US$
Average revenue of Desktop-PCs per capita. | Source: Statista Analysis
xx.x xx.x xx.x x.x x.x x.x x.x
New registered companies
Number of newly established and registered companies (within the past 12 months) in the selected region. | Source: OECD, Eurostat, Statista Analysis
xxx,xxx xxx,xxx xxx,xxx xxx,xxx xxx,xxx xxx,xxx xxx,xxx
Smartphone Penetration in %
Percentage of individuals from the total population using a smartphone on a monthly basis. | Source: Statista Analysis
xx.x xx.x xx.x xx.x xx.x xx.x xx.x
Internet Penetration in %
Percentage of individuals from the total population using the internet on a monthly basis. | Source: Statista Analysis
xx.x xx.x xx.x xx.x xx.x xx.x xx.x
Consumer Spending / Capita in US$
Average consumer spending per capita of private households in the selected region | Source: Statista Analysis, based on UN, World Bank, IMF, Eurostat and national statistical offices
xx,xxx xx,xxx xx,xxx xx,xxx xx,xxx xx,xxx xx,xxx
GDP / Capita in US$
Gross domestic product of the selected region in relation to the total population. | Source: IMF
xx,xxx xx,xxx xx,xxx xx,xxx xx,xxx xx,xxx xx,xxx
Households in m
Total number of households in the selected region. | Source: Statista Analysis
xxx.x xxx.x xxx.x xxx.x xxx.x xxx.x xxx.x
Population in m
Number of individuals (all ages) living in the selected region. | Source: World Bank, Statista Analysis
xxx.x xxx.x xxx.x xxx.x xxx.x xxx.x xxx.x
0-15 years in m
Number of individuals (age 0-15) living in the selected region. | Source: World Bank, Statista Analysis
xx.x xx.x xx.x xx.x xx.x xx.x xx.x
16-24 years in m
Number of individuals (age 16-24) living in the selected region. | Source: World Bank, Statista Analysis
xx.x xx.x xx.x xx.x xx.x xx.x xx.x
25-34 years in m
Number of individuals (age 25-34) living in the selected region. | Source: World Bank, Statista Analysis
xx.x xx.x xx.x xx.x xx.x xx.x xx.x
35-44 years in m
Number of individuals (age 35-44) living in the selected region. | Source: World Bank, Statista Analysis
xx.x xx.x xx.x xx.x xx.x xx.x xx.x
45-54 years in m
Number of individuals (age 45-54) living in the selected region. | Source: World Bank, Statista Analysis
xx.x xx.x xx.x xx.x xx.x xx.x xx.x
55+ years in m
Number of individuals (age 55 and older) living in the selected region. | Source: World Bank, Statista Analysis
xx.x xx.x xx.x xx.x xx.x xxx.x xxx.x
Telecommunication
Click arrow to expand
Average Connection Speed in kbits/s
Average internet connection speed in Kbits/s. | Source: Akamai, Statista Analysis
xx,xxx xx,xxx xx,xxx xx,xxx xx,xxx xx,xxx xx,xxx
Fixed Broadband Subscription / 100 Capita
Number of fixed broadband subscriptions per 100 inhabitants. | Source: World Bank, Statista Analysis
xx.x xx.x xx.x xx.x xx.x xx.x xx.x
Finance
Click arrow to expand
Online Banking Penetration in %
Percentage of individuals (total population over 16 years) using online-banking services at least once a year (e.g. bank transfers, account information). | Source: Eurostat, Statista Analysis
xx.x xx.x xx.x xx.x xx.x xx.x xx.x
Debit Card Penetration in %
Percentage of individuals (total population over 16 years) who own at least one debit card. | Source: World Bank, Statista Analysis
xx.x xx.x xx.x xx.x xx.x xx.x xx.x
Source: Statista, August 2018
Source: Statista, August 2018, based on IMF, World Bank, UN and Eurostat

Related content

Here you can find more studies and statistics about "Marketplace Lending (Personal)".

5 News

We use cookies to personalize contents and ads, offer social media features, and analyze access to our website. In your browser settings you can configure or disable this, respectively, and can delete any already placed cookies. For details, please see your browser’s Help section (by pressing F1). Please see our privacy statement for details about how we use data.