Our patent-pending community engagement score is a qualitative credit score that evaluates your connections to the community and bonds with others, bringing credit scoring models into the 21st century by including social media information that represents who you really are.

The MiraLend Marketplace is a true peer to peer lending and borrowing marketplace where borrowers and lenders connect directly, negotiate their own loan terms, and can even use collateral (such as a bicycle, laptop, or jewelry) to secure their loan.  We provide all of the documents, customer service assistance, and tools to give you the power to lend and borrow the way you want!

Our Community Engagement Score {CES} is a credit score designed to put you first and modernize a 30 year old system.  Our CES can be used just like a standard credit score throughout the worlds of insurance, banking, and employment.  But unlike a standard credit score, we don’t penalize you for forgetting to pay your electric bill.  

MiraLend Marketplace

We are using technology to put lending back in the hands of people where it belongs.  For 30 years, this hasn't been possible, but with MiraLend, now it is!  To us, relationships matter, interest rates should be reasonable, and we believe that the best loans benefit the lender and the borrower.

Insurance Companies

Many insurance companies use your credit score to decide whether to give you an insurance policy, and how much you will be charged.  Give insurance companies a better picture of who you really are by sharing your CES!  

Employers

Did you know that half of all employers use credit scores when making a decision to hire you?  Send them your CES and help them understand that you are a part of a community, help others, and support positive causes. 

Mortgage & Institutional Lenders

The MiraLend marketplace is perfect for personal loans, but if you need a mortgage or another big bank service that we don't offer, we can still help you!  Send them your CES and gain even more access to loans and financial services.