This study examines peer-to-peer lending in two platforms, Ant Check Later in China and Zopa in the United Kingdom. The objective is to analyze the two models of online credit to better understand their current status, analyze their development prospects and help individuals especially young people put into practice their entrepreneurial spirit. The methodologies used are literature analysis, qualitative comparison, and case analysis. It is by reading the relevant literature that a general impression of online credit is formed. By comparing online credit with traditional bank credit, we study the advantages of online credit and its barriers to development. The SWOT analysis of the two biggest companies in the online credit market helps us understand the differences between B2C and P2P models, realize the difference between domestic and international online credit markets, and recognize the online credit market development space, so that we can make online credit market predictions.