Based in Latvia, Twino is a recent P2P lending platform that seems to be a great alternative to popular P2P platforms that are only available to US citizens. Twino is, to the best of my knowledge, open to everyone. Twino is particularly interesting to me because, according to them, they will buy out loans from investors (principal amount and interest for the investment period) if they become 30 or more days overdue: see here (“All about investments” -> “Does TWINO guarantee the repayment of investment?”). To the best of my knowledge there are not many P2P lending platforms doing this.