Banks decided who you are.
We don't.
CommonLend is a peer-to-peer credit platform built around the people who actually decide whether you deserve a chance — your community. We make their trust visible, fundable, and reportable.
Built on three ideas.
Credit from people
Real lenders, not algorithms. Two to four members of your community fund each loan, share the risk, and earn a fair return.
Every weight is public
Six factors. One hundred points. Six tiers. Every input is published — your score is reproducible before you apply.
History you can carry
Repay on time and your record builds — your CommonLend history is yours to take anywhere, and for the Secured Card, it builds your Schufa file automatically too.
Values, not slogans.
People before scores
We design for the human on the other side of the form, not for the algorithm.
No hidden rules
Every weight is published. Every rate is fixed. No surprise fees, ever.
Days, not weeks
Pitch on Monday, funded by Wednesday. The whole flow is built for momentum.
Earned, not assumed
We open our books, our weights, and our governance — and ask the same of you.