The sharing economy, characterised by digitally intermediated exchanges among peers, has extended into the financial sector. While the sharing economy is often seen as democratising access to and the provision of resources and services, it remains unclear if its users and providers reflect the diversity of society at large. Using unique auction data from the financial sharing economy platform Toborrow, this paper categorises users and providers in the financial sharing economy. Findings indicate that participants are relatively homogeneous: the typical user and provider is a young male residing in a large city, suggesting that the reach of the financial sharing economy does not yet align with its democratic potential. This paper highlights the untapped potential of the financial sharing economy among underrepresented groups who could greatly benefit from alternative lending and borrowing options. Expanding access to these sharing economy platforms may help fulfil their promise of inclusivity and broaden the impact of the sharing economy within the financial sector.