Last updated: September 2026
Okapi P2P Financial Services is a platform that facilitates connections between individual borrowers and individual lenders. We are not a bank, are not FDIC-insured, and do not guarantee the return of principal or the payment of interest on any loan. Funds held in a wallet balance on this platform are not deposits and are not insured by any government agency.
Borrowers may default, pay late, or fail to repay a loan in full. Lenders who fund loans through this platform can lose some or all of the principal they invest. Past repayment performance by any borrower, or historical platform-wide statistics, is not a guarantee of future results. Lenders should only fund amounts they can afford to lose, and should consider diversifying across multiple loans rather than concentrating funds in a single borrower.
Nothing on this site — including risk grades, credit scores, interest rate suggestions, or any other content — constitutes financial, legal, investment, or tax advice. You should consult your own qualified professional before making borrowing or lending decisions.
Risk grades and credit scores shown on this platform are generated by an automated, rules-based model using information provided by borrowers and their repayment history on this platform. This is not the same as a credit score from a consumer reporting agency, and should not be relied upon as a comprehensive assessment of any borrower's creditworthiness.
We aim for high availability but do not guarantee the platform will be available at all times or free of errors. We are not liable for losses arising from downtime, delayed transactions, or technical issues.
This disclaimer should be read alongside our Legal Notice. If anything here is unclear, please contact us before using the platform.