P2P loans-a typical example of modern financial markets combining finance and technology-have been growing over time in terms of their size and speed. In Korea, the market size of P2P loans is not large, and cases of delinquency are relatively few. However, in the U.S., several studies have predicted loan overdue in the P2P loan market, which is a developed financial market. Many studies had previously predicted the possibility of delinquency in these P2P loans by building a single model through artificial intelligence methodologies. However, this study used a methodology based on artificial intelligence and the self-organizing map, which finds a cluster of data on similar customers, and confirms that its predictive power is greater than that of the delinquency prediction method relying on only artificial intelligence. This study aimed to conduct empirical research on borrowers’ past dues in 2015 by randomizing customer data from Lending Club.