Lenme
P2PLendingMarketplace
Designing trust and speed for a mobile-first peer-to-peer lending marketplace
Role
Founding Designer
Duration
2018 – 2019
Platform
Mobile · iOS / Android
Team
Founding team (Product, Engineering, Design)
Users
4M+ trusted customers
As Founding Designer, I designed the two-sided borrower and investor experience end-to-end — onboarding, loan request flows, matching UX, portfolio views, and key trust surfaces.
Overview
Outcome Snapshot
What shipped, why it mattered, and how impact was measured.
Lenme is a mobile P2P lending platform that matched borrowers with investors through transparent loan terms and faster decisioning. I focused on reducing friction in loan creation while preserving trust and risk clarity for both sides.
Traditional banks reject many borrowers with thin credit files, while individual investors seek better returns than savings products. Lenme aimed to close that gap with a transparent, mobile-first marketplace.
4M+
Trusted customers
<24h
Average funding time
2-sided
Borrower + investor marketplace
Challenge
Balancing Access, Risk, and Trust
P2P lending only works when both sides trust the system: borrowers need fair access and clarity, investors need confidence in risk signals and repayment behavior.
The core design challenge was creating a flow simple enough for first-time borrowers while giving investors enough transparent data to make fast, confident decisions.
- Trust & Safety — Both sides needed clear verification and fraud protection signals
- Complex Matching — Loan terms, risk appetite, and timing had to align quickly
- Transparency — Fees, rates, and repayment terms had to be explicit before commitment
Solution
Two-Sided Marketplace Flows
I designed borrower loan creation to be fast and understandable: amount, purpose, and terms with clear progress states. For investors, I designed a dashboard focused on risk, expected return, and portfolio filtering.
The matching layer surfaced high-fit opportunities quickly, reducing time to funding while keeping communication and negotiation safely in-platform.
- Borrower Journey — Simplified request flow with clear status and next steps
- Investor Dashboard — Risk, return, and loan detail filters for faster selection
- Smart Matching — Preference- and risk-based pairing for faster funding velocity
- In-App Communication — Secure on-platform messaging for negotiation and updates
Impact
Scaling a Trusted P2P Experience
Lenme grew to over 4M users with faster funding cycles and a clearer marketplace experience for both borrowers and investors.
4M+
Trusted customers
Same day
Typical funding speed
3 clicks
Loan request simplicity
No impact
Credit score check flow
Reflection
Key Learnings
01
Two-Sided Products Need Constant Balance
Reducing borrower friction is only valuable if investor confidence remains high. Every simplification on one side has to preserve trust on the other.
02
Trust Signals Are Product Features
Verification, clear fee disclosure, and predictable status updates had as much impact on conversion as visual polish.
03
Mobile-First Finance Demands Ruthless Clarity
Financial decisions on small screens require concise hierarchy and explicit next actions to avoid hesitation.
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