We've made borrowing directly from other people a complete no-brainer.

Just like other online trading sites such as eBay, the first step is to sign up to Duck9. We'll ask you to pick a user name and to let us know the basics about you. We'll also do a quick online identity check. It doesn't take long and you're then free to start exploring the live markets.

Once you're in you'll see your credit score and which Duck9 market you can borrow from.

See what money's available and at what rate. If the rate's good, snap it up quickly, someone else could be about to click 'Borrow now' and nab it from under you.

If it's not quite what you were looking for, come back later or the next day. The quite-good-rate could have turned into the stunningly-amazing-rate.

When you're ready to borrow we'll ask you a few more questions and take your bank details so we know where to transfer your money to. Your loan could be in your account in just a few days.

Sound good?