This is a promotional offer I received from peer-to-peer lending service, Lending Club, which is is telling me I’m pre-approved...View More for a fixed rate loan through their service. Throughout the letter, Lending Club seeks to distinguish themselves as the protagonist and more desirable solution to the big corporate banks. They do this primarily by citing that they use real investors who actually care about you paying off your debt and that their rates are going to be better because they don't have big branches and can take advantage of online efficiencies.