Demo mode — Simulated data. No real money moves. No real KYC. All borrower profiles are fictional.

Onboarding›Your Portrait
Your Portrait
A
Prime borrower
91/100
Tier 1 — First loan
Loan limit
up to $2,000
Your rate range
8–12% APR

Portrait breakdown

How each component shaped your Portrait. We show you everything.

Credit
FICO score and credit history
87
45% weight
FICO 720 · No derogatory marks · 6yr history
Bank health
Account cadence, balances, income regularity
92
27% weight
Regular deposits · Low overdraft frequency · 14mo history
Social capital
Reach × engagement rate × activity recency
76
15% weight
90.4K Instagram followers · 4.2% engagement · Active weekly
Profile completeness
Story, photo, employment, references
100
10% weight
All fields complete · Photo verified · Employment confirmed
Platform historyUnlocks at loan 2
Prior Peoplio loans and repayment behavior
—
0% weight
First loan — not yet scored · Unlocks on your 2nd loan
Autopay enrolled+5 pts
How to strengthen your Portrait over time
  • Repay on time — platform history unlocks at loan 2 and becomes your biggest asset
  • Stay active on connected socials — engagement rate matters more than raw follower count
  • Keep your bank healthy — regular income deposits lift the Bank Health component
Post my loan listing

Grade A · $500 request · Estimated 12% APR · 6 monthly payments