Most P2P lenders have a good reputation in providing a certain level of safety to borrowers. For a start, you should expect that lenders will do a thorough investigation to determine your credit rating. Failing to meet a minimum credit rating will mean disqualification. In addition, the p2p lenders will do internal checks to ascertain your suitability for the loan. Since lender are in the business for an indefinite period, a bad loan can result in losses, and they can deny you a loan if they identify any red flags.