Putting the personback in personal loans.
Real people back real people. Better rates for borrowers. Better returns for backers. No credit card company taking a cut.
- Pay over4 months
- Rate12% APR
- Total interest$10.04
- Fees$0.00
- Total$410.04
For illustrative purposes only. Example rate for a Grade A Portrait.
A portrait of you.
Credit, cash flow, community, and character — all of it counts toward your rate. Not just a three-digit number.
No fees. Ever.
Get backed without paying Peoplio a single fee. Your payment stays the same every month, and you’ll see the total interest before you say yes.
Check your rate, keep your score.
Checking your Portrait is a soft pull. See exactly what you qualify for before you ever apply.
Two sides. One platform. No credit card company.
Use it like a card. Backed by people.
Buy something you need, or move a card balance you already have. Peoplio pays the store or your card company directly, and your interest goes to the people who backed you, not a credit card company.
Your backers cover your purchase, then Peoplio pays the store directly. You never handle cash, and there are no fees on top.
Example rates use the top of each Portrait grade's range. Your actual rate depends on your Portrait. No borrower fees. Simulated during the closed beta; no real money moves.
None of it went to a neighbor, a friend, or a small business anyone cared about. It went to quarterly earnings calls. Peoplio reroutes that flow. When a person backs a person, the interest enriches the backer — not a spreadsheet. The loan becomes a vote of confidence. The repayment, a thank-you.
Today, accredited backers. Tomorrow, everyone.
Build a portfolio
of faces, not logos.
Browse people to back by their faces, grades, and stories.
Reg D 506(c) · Accredited investors only at beta · Income or net worth attestation required at onboarding
- APrimeup to $2,000
- 8–12%
- BStrongup to $1,000
- 12–16%
- CEmergingup to $500
- 16–22%
Illustrative ranges only. Actual yields depend on default rates, term, and grade mix.
KYC on every account via Persona — government ID + liveness check.
AWS KMS per data class. PII never stored in plaintext.
Loans are made through our bank partner. Lenders join under SEC Reg D 506(c).
Every state change — every actor — logged immutably.
Get early access.
We're opening Peoplio to a small closed beta. Tell us which side you're on.