Which of the following is a P2P online lending platform?

• A. Lending Club
• B. GoFundMe
• C. Indiegogo
• D. Patreon

Answer: (A)

Peer-to-peer lending platforms create a direct funding marketplace where individual lenders fund loans to borrowers, with the platform handling application, underwriting, funding, and loan servicing. Lending Club operates exactly this model: it connects borrowers seeking personal loans with investors who fund those loans through the platform, allowing borrowers to get funds while lenders earn interest on funded loans. The other options are different funding models: GoFundMe and Indiegogo are crowdfunding sites for campaigns often using donations or rewards rather than loans or repayment; Patreon is a subscription-based support platform for creators, not a loan marketplace. Therefore Lending Club is the P2P lending platform.