Jane M.

San Francisco, CA · First Peoplio loan

APortrait · 91

12% APR · Grade A

$360 of $500 funded72% · 2 days left

Priya, Tom, and Jordan · $140 remaining to fully fund

Jane's story

Our TV died last month, and family movie night on a laptop just isn’t the same. Lily and I have done Friday movies since she was little. I’d rather borrow from people who care how this turns out than put it on a card at 23%. I’ve never missed a payment on anything, and I’m not about to start.

I've held the same job for 3 years at a healthcare nonprofit. I've never missed a payment on anything — not a credit card, not my rent, not my car. My Plaid data shows consistent direct deposits every two weeks and a healthy checking balance.

I'll pay this back early if I can. My daughter doesn't know I'm doing this yet — it's a back-to-school surprise.

Portrait breakdown

Full transparency — every component, every weight.

Credit

87· 45% wt

FICO 720 · 6yr history · No derogatory marks

Bank health

92· 27% wt

Regular bi-weekly deposits · Low overdraft · 14mo history

Social capital

76· 15% wt

90.4K Instagram · 4.2% engagement · Active weekly · Reach 40% + Engage 40% + Recency 20%

Profile completeness

100· 10% wt

All fields complete · Photo · Employment · References

Platform history

—· 0% wt

First loan — scores from 0% at Tier 1; becomes 48% weight by Tier 3

Autopay enrolled+5 pts modifier

If you fund $140 (complete this loan)

$140

You lend

$147.95

You receive back

+$7.95 · 12% APR

Your return

Illustrative only. Returns depend on on-time repayment. Reserve fund covers first-loss up to 1.5% of principal. Demo — no real funds.

Fund Jane's loan — $140

Demo only. No real commitment. Illustrates the lender funding flow.