1. The operating mode is different: P2P peer-to-peer lending platform connects lenders and borrowers through the Internet, providing them with matching services and earning income similar to agency fees. Renren loan adopts the mode of "credit card installment repayment", that is, it provides installment repayment service to users with credit cards, and the platform advances it by itself and charges interest to cardholders.

2. Different customers: The customers of P2P peer-to-peer lending platform include individuals and small and micro enterprises, and there is no connection between borrowers and lenders. Renren loan mainly provides services for credit card holders and provides fast and convenient installment loan services.

3. Different platform scales: P2P peer-to-peer lending platforms are often larger than Renren loans, and their product types, service quality and risk control capabilities are relatively mature. Although Renren Loan is also a well-known platform in P2P lending, its scale is relatively small and its business scope is not as extensive as other comprehensive P2P platforms.

No matter what kind of lending platform, users need to carefully understand the platform rules, risk tips and payment methods when using it to avoid unnecessary risks and losses in the process of borrowing.