Online peer-to-peer lending (abbreviated frequently as P2P lending) is an emerging tool of financial transaction by which borrowers advertise for investors through a loan auction on an intermediary website. Investors who participate in the auction can learn the hard information of the borrower including his or her personal and credit information before making investment decisions. In addition to collecting the hard information, investors get involved in social interaction by discussing the loan online with the borrower. Finally, investors read the explanation about the loan in the loan application written by the borrower to decide whether to invest or not. In this paper, I used three types of information which are the deciding factors for loan investment as variables to analyze what factors affect loan repayment. As a result, the more actively the borrower got engaged in the social interaction, the higher the chances were he or she would successfully repay the loan. In terms of the impact of the expressions used in the loan application, the expressions appealing to emotion of investors showed negative correlation with loan repayment, while those emphasizing the repayment capability of the borrower had positive correlation.