2021년 최고의 P2P 대출 추천

P2P 대출은 1금융권에 비해 대출 자격이 비교적 덜 엄격하고 심사속도가 신속하지만 2금융권에 비해 낮은 금리를 제공받을 수 있기 때문에 1금융권에서 대출이 어려운 소비자에게 우수한 대안이 될 수 있습니다. 밸류챔피언의 애널리스트 팀은 저명한 P2P 플랫폼 중 가장 큰 규모와 가장 좋은 조건을 제공하는 곳을 비교하여 최고의 P2P대출을 제공하는 플랫폼들을 선정하였습니다.

최고의 P2P플랫폼 부동산담보 대출

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부동산담보 대출이란 토지, 아파트, 상가 등의 부동산을 담보로 받는 대출을 뜻 합니다. 투자자에겐 부동산이라는 담보가 있어 체납이 발생할 경우 담보물를 매도해 투자금을 되돌려 받을 수 있어 때문에 여러 종류의 대출 중 이자가 낮은 축에 속합니다. 현재 P2P 부동산담보 대출의 최저금리는 4~8%대로 2%대인 1금융권 주택담보대출의 금리보다 다소 높지만 빠른 대출심사와 높은 대출한도를 제공하고있어 큰 금액이 급히 필요하신 분에게 적합합니다.

P2P플랫폼 부동산담보대출 최저금리 비교
P2P플랫폼 부동산담보대출 최저금리 비교

부동산을 담보로 제시할 시 감정가치와 담보 인정 비율 (LTV)에 따라 대출한도가 결정됩니다. LTV란 부동산의 가치를 담보로 대출 받을 수 있는 금액의 비율을 뜻 합니다. 예를 들어 LTV가 60%이고 부동산의 가치가 1억이라면 최고로 대출 받을 수 있는 금액은 6천 만원이고, 허용되는 LTV는 높을수록 더 많은 자금을 빌릴수 있다는 뜻이 됩니다. 특히 P2P 대출 플랫폼의 LTV는 1금융권보다 현저히 높은 80% ~ 90%를 상회 하기 때문에 큰 대출이 필요하신 분에게 적합합니다.

최고 규모의 부동산 P2P대출 플랫폼 정리

P2P플랫폼최저금리월평균대출액대출한도
줌펀드4.4011.4억원10억원
론포인트4.5044.6억원심사 후 합의
브이펀딩4.5034.8억원LTV 85%
투게더펀딩5.50267.3억원LTV 80%
헬로펀딩5.90195.3억원심사 후 합의
평균5.9878.2억원
8퍼센트6.5046.5억원20억원
데일리펀딩7.00204.7억원심사 후 합의
피플펀드7.50285.7억원LTV 85%
미라클펀딩8.0062.9억원LTV 80%

최고의 P2P 동산담보 대출

디에셋펀드 담보대출
디에셋펀드 담보대출
프리스닥펀드 유가증권 담보 대출
프리스닥펀드 유가증권 담보 대출
모자이크펀딩 육류담보대출
모자이크펀딩 육류담보대출
미라클펀딩 일반담보대출
미라클펀딩 일반담보대출
  • 디에셋펀드 담보대출
    디에셋펀드 담보대출
  • 프리스닥펀드 유가증권 담보 대출
    프리스닥펀드 유가증권 담보 대출
  • 모자이크펀딩 육류담보대출
    모자이크펀딩 육류담보대출
  • 미라클펀딩 일반담보대출
    미라클펀딩 일반담보대출
  • 디에셋펀드 담보대출
    디에셋펀드 담보대출
  • 프리스닥펀드 유가증권 담보 대출
    프리스닥펀드 유가증권 담보 대출
  • 모자이크펀딩 육류담보대출
    모자이크펀딩 육류담보대출
  • 미라클펀딩 일반담보대출
    미라클펀딩 일반담보대출
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\u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\ub514\uc5d0\uc14b\ud380\ub4dc \ub2f4\ubcf4\ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/p2p_investing\/theassetfund_1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/p2p_investing\/theassetfund_1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/p2p_investing\/theassetfund_1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\ud504\ub9ac\uc2a4\ub2e5\ud380\ub4dc \uc720\uac00\uc99d\uad8c \ub2f4\ubcf4 \ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/presdaq-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/presdaq-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/presdaq-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\ud504\ub9ac\uc2a4\ub2e5\ud380\ub4dc \uc720\uac00\uc99d\uad8c \ub2f4\ubcf4 \ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/presdaq-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/presdaq-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/presdaq-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\ubaa8\uc790\uc774\ud06c\ud380\ub529 \uc721\ub958\ub2f4\ubcf4\ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/mosaic-funding-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/mosaic-funding-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/mosaic-funding-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\ubaa8\uc790\uc774\ud06c\ud380\ub529 \uc721\ub958\ub2f4\ubcf4\ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/mosaic-funding-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/mosaic-funding-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/mosaic-funding-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\ubbf8\ub77c\ud074\ud380\ub529 \uc77c\ubc18\ub2f4\ubcf4\ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/miraclefunding-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/miraclefunding-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/miraclefunding-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\ubbf8\ub77c\ud074\ud380\ub529 \uc77c\ubc18\ub2f4\ubcf4\ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/miraclefunding-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/miraclefunding-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/miraclefunding-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

대출을 필요로 하지만 담보로 사용할수 있는 부동산은 없고, 또 담보 없는 신용대출의 금리가 부담스러울때는 동산담보를 고려해볼수 있습니다. 동산담보 대출이란 부동산과는 다르게 비교적 쉽게 옮길 수 있는 동산자산을 담보로 이용하는 대출입니다. 동산의 종류로는 주식부터 귀금속, 명품, 자가요 등 다양한 자산을 담보로 제출할 수 있습니다. P2P 대출 플랫폼 별로 취급하는 동산이 다르기 때문에 1:1 비교는 어려우나 플랫폼에 문의하여 동산담보에 맞는 대출한도와 금리를 알 수 있습니다.

P2P플랫폼월평균대출액담보 가능 동산
디에셋펀드31.7억원농·축·수산물, 운송수단, 명품, 수집품, 전자기기 등
프리스닥펀딩19.8억원유가증권
모자이크펀딩11.5억원축산물
미라클펀딩62.9억원NPL, 배당금, 채권 등

최고의 개인신용 대출 P2P플랫폼

피플펀드 개인신용대출
피플펀드 개인신용대출
줌펀드 직장인 신용대출
줌펀드 직장인 신용대출
렌딧 직장인 신용대출
렌딧 직장인 신용대출
8퍼센트 개인신용대출
8퍼센트 개인신용대출
  • 피플펀드 개인신용대출
    피플펀드 개인신용대출
  • 줌펀드 직장인 신용대출
    줌펀드 직장인 신용대출
  • 렌딧 직장인 신용대출
    렌딧 직장인 신용대출
  • 8퍼센트 개인신용대출
    8퍼센트 개인신용대출
  • 피플펀드 개인신용대출
    피플펀드 개인신용대출
  • 줌펀드 직장인 신용대출
    줌펀드 직장인 신용대출
  • 렌딧 직장인 신용대출
    렌딧 직장인 신용대출
  • 8퍼센트 개인신용대출
    8퍼센트 개인신용대출
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\u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\uc90c\ud380\ub4dc \uc9c1\uc7a5\uc778 \uc2e0\uc6a9\ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/zoomfund-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/zoomfund-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/zoomfund-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n 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\u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\ub80c\ub527 \uc9c1\uc7a5\uc778 \uc2e0\uc6a9\ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/lendit-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/lendit-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/lendit-2 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\ub80c\ub527 \uc9c1\uc7a5\uc778 \uc2e0\uc6a9\ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/lendit-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/lendit-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/lendit-2 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"8\ud37c\uc13c\ud2b8 \uac1c\uc778\uc2e0\uc6a9\ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eightpercent-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eightpercent-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eightpercent-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"8\ud37c\uc13c\ud2b8 \uac1c\uc778\uc2e0\uc6a9\ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eightpercent-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eightpercent-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eightpercent-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

개인신용대출이란 개인이 돈을 갚을 수 있는 신용도를 이용하여 담보자산 없이 대출을 받는 것 입니다. 개인의 신용도는 신용등급, 직업, 소득, 연체 이력 등 다양한 요소를 종합하여 결정되며 신용도는 사람마다 크게 다를 수 있기 때문에 금리 또한 3.00%대에서 19.90% 까지 큰 차이가 날 수 있습니다.

P2P금융 플랫폼 개인신용 대출 최저금리 비교
P2P금융 플랫폼 개인신용 대출 최저금리 비교

개인 신용 대출은 부동산 담보 대출처럼 투자자가 받는 담보가 없기 때문에 대출한도가 보통 5천만원 정도로 비교적 낮습니다. 하지만 1금융권으로 부터 돈을 대출 받을려면 신용등급이 최소 6등급이 돼야 하는 반면 P2P 플랫폼은 신용등급 8등급까지 대출을 제공하는 곳도 있어 신용등급이 이상적이지 않은 분들에게 유용하겠습니다.

최고 규모의 개인 신용 P2P대출 플랫폼 정리

P2P플랫폼신용등급월평균대출액대출한도
피플펀드7등급 이상285.7억원5,000만원
8퍼센트7등급 이상46.5억원5,000만원
렌딧7등급 이상23.5억원5,000만원
줌펀드8등급 이상11.4억원2,000만원

최고의 P2P 사업자 신용 대출

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate p2p_loans: \ube0c\uc774\ud380\ub529 SMB\ub860 - Image\" data-eventlabel=\"\ube0c\uc774\ud380\ub529 SMB\ub860\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ube0c\uc774\ud380\ub529 SMB\ub860\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fvfunding.co.kr%252Floan%252Fsmbloan.php%253Futm_source%253Dvalue%2526utm_medium%253Dcpa_value%2526utm_campaign%253Dsmb_loan\"\u003E\u003Cimg alt=\"\ube0c\uc774\ud380\ub529 SMB\ub860\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/vfunding-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/vfunding-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/vfunding-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate p2p_loans: \ube0c\uc774\ud380\ub529 SMB\ub860 - Button\" data-eventlabel=\"\ube0c\uc774\ud380\ub529 SMB\ub860\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ube0c\uc774\ud380\ub529 SMB\ub860\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fvfunding.co.kr%252Floan%252Fsmbloan.php%253Futm_source%253Dvalue%2526utm_medium%253Dcpa_value%2526utm_campaign%253Dsmb_loan\"\u003E\ub300\ucd9c \uc2e0\uccad \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate p2p_loans: \ube0c\uc774\ud380\ub529 SMB\ub860 - Image\" data-eventlabel=\"\ube0c\uc774\ud380\ub529 SMB\ub860\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ube0c\uc774\ud380\ub529 SMB\ub860\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fvfunding.co.kr%252Floan%252Fsmbloan.php%253Futm_source%253Dvalue%2526utm_medium%253Dcpa_value%2526utm_campaign%253Dsmb_loan\"\u003E\u003Cimg alt=\"\ube0c\uc774\ud380\ub529 SMB\ub860\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/vfunding-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/vfunding-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/vfunding-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate p2p_loans: \ube0c\uc774\ud380\ub529 SMB\ub860 - Button\" data-eventlabel=\"\ube0c\uc774\ud380\ub529 SMB\ub860\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ube0c\uc774\ud380\ub529 SMB\ub860\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fvfunding.co.kr%252Floan%252Fsmbloan.php%253Futm_source%253Dvalue%2526utm_medium%253Dcpa_value%2526utm_campaign%253Dsmb_loan\"\u003E\ub300\ucd9c \uc2e0\uccad \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\uc90c\ud380\ub4dc \uac1c\uc778\uc0ac\uc5c5\uc790 \uc2e0\uc6a9\ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/zoomfund-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/zoomfund-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/zoomfund-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\uc90c\ud380\ub4dc \uac1c\uc778\uc0ac\uc5c5\uc790 \uc2e0\uc6a9\ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/zoomfund-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/zoomfund-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/zoomfund-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"8\ud37c\uc13c\ud2b8 \uc0ac\uc5c5\uc790 \ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eightpercent-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eightpercent-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eightpercent-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"8\ud37c\uc13c\ud2b8 \uc0ac\uc5c5\uc790 \ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eightpercent-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eightpercent-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eightpercent-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n"],"offsetPercentage":20}

사업을 하다보면 갑자기 큰 돈이 급하게 필요할 때가 있습니다. 하지만 1금융권 은행의 대출 심사절차는 까다롭고 오래걸리기 이상적이지 않을 수 있습니다. 이에 반해 P2P 대출 서비스는 보통 7일-10일 내에 심사절차가 마무리 되며 경우에 따라 당일대출도 가능해 합리적인 금리로 빠르게 자금을 확보해야하는 사업자들에게는 좋은 수단이 될수 있습니다.

P2P금융 플랫폼 사업자 신용 대출 금리 비교
P2P금융 플랫폼 사업자 신용 대출 금리 비교

개인 신용 대출과 같이 사업자 신용 대출 또한 담보물이 없으며 사업자의 신용에 따라 금리가 결정되어 대출자간 금리 편차가 높습니다. 대출금리가 4.4%부터 24%까지 높을 수 있지만 1금융권에 비해 평균적으로 높은 대출한도를 제공한다는 장점도 있어 1금융권의 대출한도를 소진한 사업자에게 유용합니다.

최고 규모의 사업자 신용 P2P대출 플랫폼 정리

P2P플랫폼최저금리최고금리월평균대출액대출한도
브이펀딩7.5%24.0%34.8억원3억원
줌펀드4.4%18.5%11.4억원3,000만원
8퍼센트5.0%23.9%46.5억원3억원

최고의 부동산PF/건축자금 P2P 대출

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate p2p_loans: \ube0c\uc774\ud380\ub529 \uac74\ucd95\uc790\uae08 \ub300\ucd9c - Image\" data-eventlabel=\"\ube0c\uc774\ud380\ub529 \uac74\ucd95\uc790\uae08 \ub300\ucd9c\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ube0c\uc774\ud380\ub529 \uac74\ucd95\uc790\uae08 \ub300\ucd9c\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fvfunding.co.kr%252Floan%252Floan.php%253Futm_source%253Dvalue%2526utm_medium%253Dcpa_value%2526utm_campaign%253Dloan\"\u003E\u003Cimg alt=\"\ube0c\uc774\ud380\ub529 \uac74\ucd95\uc790\uae08 \ub300\ucd9c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/vfunding-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/vfunding-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/vfunding-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate p2p_loans: \ube0c\uc774\ud380\ub529 \uac74\ucd95\uc790\uae08 \ub300\ucd9c - 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부동산PF 대출로도 알려진 건축자금 대출은 부동산 개발기업에 특화된 대출입니다. 저축은행 등 2금융권의 심사기간은 20일에서 40일의 영업일이 걸리는 반면 P2P 대출 플랫폼은 보통 10 영업일 내 심사결과를 알 수 있어 건축자금이 빠르게 필요한 분에게 적합합니다. 2금융권의 건축자금대출은 착공전에만 가능하지만 P2P 플랫폼의 건축자금 대출은 토지매입, 건자재 구매, 착공 전 등 모든 단계에서 대출을 받아 쓸 수 있다는 장점이 있습니다.

최고 규모의 부동산PF P2P대출 플랫폼 정리

P2P플랫폼최저금리월평균대출액대출한도
브이펀딩7.00%34.8억원LTV 80%
타이탄인베스트8.00%24.5억원미확인
데일리펀딩10.00%204.7억원200억원

고려해야할 요인들

P2P 대출을 생각하고 계시다면 금리, 대출한도, 기간 외에도 고려해야할 요인들이 여럿 있습니다. 그 중 특히 중요한 것은 다음과 같습니다.

1금융권에서 대출을 했을 경우 대부분 중도상환 수수료를 제시하며 보통 중도상환을 권장하지 않는데, 이는 은행 입장에서 이자 소득이 줄어들기 때문입니다. 하지만 대부분 P2P 대출 플랫폼은 중도상환 수수료를 부과하지 않기 때문에 빠른 상환이 가능하다면 최대한 빨리 대출금을 상환하는 것이 효율적일 수 있습니다. 플랫폼 별로 전액 상환만 가능하거나 수수료를 부과하는 곳이 있기 때문에 대출 전 꼭 확인하시길 바랍니다.

현재 P2P대출을 받을경우 신용등급에 영향을 미치치 않습니다. 하지만 신용정보조회 기록이 보관되며 타 금융기관에 대출정보가 공유될 수 있습니다. 더불어 대출금 연체시에는 연체이력이 등재되고 대출 금리가 올라갈 뿐 아니라 신용등급마저 하락될 수 있으므로 주의해야합니다.

대한민국에 P2P 투자및 대출 서비스를 제공하는 업체는 수백개가 있으며 모두 금융감독원에 일정 운영자료를 공시해야합니다. 더불어 2020년 부터 시행된 '온라인투자연계금융업 및 이용자 보호에 관한 법률'(이하 온투법)에 따라 금감원이 요구하는 준법감시인 선임, 전산시설 구비 같은 요구사항을 충족한 뒤 2021년 8월내에 등록하지 않으면 위법하게 됩니다. 아직 온투법에 따라 등록하는 절차를 완전히 마친 업체는 있지 않지만 등록이 완료된 업체는 최소한의 심사를 거쳤다고 볼 수 있습니다. 하지만 심사가 완료되었다 하더라도 투자상품의 리스크가 줄어드는 것은 아니니 새로운 P2P 플랫폼을 이용하기 전에 최소한 금융감독원의 금융소비자 정보포털에 등록되어 있는지 꼭 확인해야 불법 금융행위로 인한 리스크를 최소화 할 수 있습니다.

P2P 대출 조사 방법론

밸류챔피언의 P2P 대출 플랫폼 분석에는 한국P2P금융협회가 제공한 45곳의 P2P 플랫폼의 투자 상품별 누적대출액을 활용하였습니다. 더 나아가 각각 플랫폼 웹사이트에서 수집한 정보로 보완하여 각 플랫폼의 성과를 비교하였습니다. 이를 바탕으로 각 플랫폼의 규모, 금리, 한도, 그리고 특징을 산출하여 최고의 P2P 대출 플랫폼만을 선정하였습니다. 밸류챔피언에서는 시중에 출시되어 있는 모든 상품을 동시에 비교, 분석하여 정보를 제공합니다. 특히 소비자 분의 경제 상황 및 조건은 상이할 수 있지만 정보의 일관성을 유지하기 위해 저희는 리서치 방법론 확립에 부단히 노력하고 있습니다.

P2P투자 플랫폼 조사대상 목록
피플펀드어니스트펀드8퍼센트
투게더펀딩펀다데일리펀딩
모자이크펀딩브이펀딩줌펀드
프로핏미드레이트렌딧
렌딩사이언스미라클펀딩칵테일펀딩
윙크스톤헬로펀딩펀딩N
타이탄인베스트크레파스펀딩펀펀딩
와이펀드디에셋펀드론포인트
프리스닥펀딩누리펀딩BF펀드
조동우 Roy Cho

조동우 (Roy Cho) 애널리스트는 정기예금, 적금, 그리고 P2P금융등의 투자상품과 플랫폼 분석 업무를 담당하고 있습니다. 밸류챔피언에서 근무하기 전에는 미국 로스앤젤레스의 USC에서 경제학 석사학위를 취득하였습니다.