Afluenta is a p2p lending service operating in Argentina. It has been reporting growth since its launch in September 2012. Afluenta offers loan terms of 1, 2 or 3 years. APRs are in the range of 35 to 50%. â€œWe are more competitive than banks because we are faster, more economic and make a difference in quality. Our technology let us screen a prospect in 15 seconds and answer 85% of loan applications immediately, while it takes days or even weeks for banks to do soâ€ Alejandro Cosentino, founder and CEO of Afluenta told P2P-Banking.com.