They are mainly websites which provide an interface between lenders and borrowers. In some cases, the investors just invest in the website which then selects the people who may borrow. This can be an option for foreigners who have do not have a credit score since they have not been in Austria for a long time but still need a credit loan in Austria. They have a high-interest rate depends on the credit score. Therefore, if you have a decent credit score you can get a loan with a lower interest rate compared to someone with a negative credit score. Examples of peer-to-peer lending systems are Lendico.