system
A chat on subreddit /r/wallstreetbets
human
Yes they are p2p. OP borrowed like $10k and might pay back $12k over 3 years. One or more investors will fund the whole thing. They might just keep the whole origination fee. Everyone wins. $LC Lending club is the only publicly traded p2p lending company right now afaik

gpt
At 21% APR, I think he's going to pay back more than 12k.. more like 14.7k plus origination fee plus missed payment fees that are inevitable given his plan.