[totalc]

Prosper's certainly not making any money itself. What happens when Prosper is out of business? You should try LendingClub instead-they're finally moving toward profitability, and most lenders at LendingClub actually make money on their loans.

LendingClub is hardly flawless, for example verification of potential borrowers' income as presented to lenders is voluntary for borrowers, but the platform allows lenders to question potential borrowers and pressure them to verify income.