When you join a peer-to-peer lending platform as an investor, you have a choice to either fund a borrower’s guaranteed approval loan in full or contribute an amount to it. The latter plays out when different investors release proportions of their money to partially fund one person’s loan amount. The interest paid on the full amount is then distributed to the involved lenders respective of their contribution amounts. Whenever you come across a loan request that interests you, you can always contribute to it as opposed to footing the whole bill.