Before we engage on a deeper resolute as to why you should consider investing in a peer-to-peer lending platform, let us first discuss the basics.

What is Peer-to-Peer Lending or P2P Lending?

It is a type of financial institution that allows everyone to either be a borrower or a lender and at the same time secure everyone’s credibility.

P2P was first introduced in the UK 13 years ago. At present, it is continuously emerging as one of the leading financial institutions. A lot of people have now considered it to be more reliable and favorable.

In the Philippines, P2P lending platforms have been consistently on top of their games for the past four years. Filipinos are slowly becoming more accustomed to this type of financial platform rather than the usual tradition of borrowing or investing in Banks.

Start investing as early as possible and improve your quality of life in the future! With Vidalia Lending, you can invest as low as P5,000, you can also earn greater returns when you opt for higher placement terms.

P2P has proven to be more of an innovative way of investing extra money and earning monthly. Below is our list of tips to help you if you are planning to invest in P2P Lending:

Start small

Do not make a hasty decision to invest all of your money especially if it is your first time. Start by investing a small amount to test the waters and learn the ropes of the business. Once you have all the knowledge of its inner workings, go for the kill. That is how to strategize.

Remember that every financial institution requires deeper understanding, it is your responsibility to do your research before you delve into it. Furthermore, you should gather different platforms that you think are a plausible investment, compare each one, and learn more about P2P. This should be done before you make bigger amounts of investments.


Diversification is the key, your money must be spread out to multiple borrowers. It is how you should strategize to reduce the risks while you invest in a P2P platform.

Check the default rate

Default risk is palpable in all forms of financial institutions. It is when a borrower is unable to make the required payments on his or her debt obligation. The default rate is an essential part that you must consider before choosing which Financial platform you must invest in.

Remember that you always consider the Lending company credentials. Reputational risk is much more important than anything else when it comes to P2P. Your ROI will depend on the borrower’s repayment capacity. The borrower’s profile will be the defining element of the platform’s credibility.

Visit Vidalia Lending and start Investing in our Personal and Business loans. All procedures are done online so you don’t have to worry whether you are too far away or even if you’re outside the country. For as little as P5,000, you will be able to grow your money. You can access our website today and learn more about our offers.

P2P Investment