Is anybody using peer to peer lending services like Lendingclub.com or Prosper.com? I have seen them advertised a lot as a good alternative to going to a bank for a loan, since you'll probably end up paying a lower interest rate. I'm more interested in what the people funding the loans are making in interest, though. Lending Club is advertising an average return of 8-10%, which blows away any kind of savings account or loan and most index funds. Is anybody using either, or do you know of other similar companies? I'm interested and want to learn more.