I did a search and couldn't find any posts on Lending Club and since it can only partially be a way to meet spend I put this thread in Off Topic. So, does anyone have any experience with Lending Club? I understand there is another similar site called Prosper. Any others anyone knows of out there? The quick and dirty is that these are peer to peer lending sites with return rates. My understanding is the first deposit with Lending Club can be made with a cc and for up to 5k. Just looking for general takes on anyone familiar with these types of programs. As with any loaning I understand there are risks. "Don't loan it if you can't afford to lose it." Private me if you need to, and thanks.