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I have been using other P2P sites and have recently started lending with proplend, which seems to have good rating on 4thWay. I understand that the different loans are all rated A, B or C, based on the Loan to Value ratio. However, even within the same band, there sometimes seems to a vast difference in the offered interest rates. For example I have 3 group C loans (66-75% LTV) , but the interest rates are 9.75%, 12.03% and 19.75%! I suppose I am wondering why they felt they had to offer such a high rate of 19.75% for this loan, and whether this is too good to be true!