At goPeer, consumers can apply for unsecured loans of $1,000 – $25,000. They charge interest rates of 7.5% – 31.5% and offer repayment terms of 36 – 60 months. If you are going to apply for a peer-to-peer loan through goPeer, make sure to create a budget beforehand and confirm that you have enough savings to cover your payments (including interest and your origination fee), even if a financial emergency arises.