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Hispanic borrowers were over-represented in two of the three states; however, these borrowers were underrepresented in Texas, the State with the highest proportion of Hispanic residents in the study.
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Lending to borrowers who cannot repay their loans would generally not be profitable in a traditional lending market, but the features of these loans—leveraged payment mechanisms, vehicle security, and high cost—turn the traditional model on its head.
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When applying for an auto loan be prepared to provide the lender with your:Name and address.
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This is because all the loans at sites like Lending Club and Prosper are underwritten, meaning each loan has already been filtered by the platforms themselves, so every loan is already likely to be a good investment (particularly A-grade loans).
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And that gets to another concerning part of the MyPower contract….