How is the interest rate of the borrower defined?

Interest rates are defined through a risk-based pricing model. Borrowers with stronger credit profiles generally qualify for lower interest rates, while pricing for higher-risk borrowers is adjusted according to their individual risk characteristics.

When setting interest rates, our primary goal is to offer fair and competitive terms that reflect each borrower’s financial situation and creditworthiness. This approach allows us to provide more favorable conditions to customers with a strong financial track record.

As our platform operates as a marketplace, pricing and loan terms are continuously calibrated to maintain a balance between the interests of borrowers and those of investors, creating a sustainable environment for both sides.