[spottybanana]

Those P2P loans get also lost quite often. If you have transaction logs that show you making consistent 12% for years that would be quite interesting to many.

Due to the nature of p2p lending sites the sites often have incentive to make it look good for the investor, as for them any activity on the platform brings fees in.

I think it is pretty logical that if some place makes consistent 12% to have that lowered along the years as investors will find the good places quite quickly and start competing for the price.

[therealmarv]

Loans fail sometimes. But many p2p companies have that calculated in and give you an insurance for failing credits (including interest). This works as long as the p2p companies have put enough aside and work in profit (there are some where this works for years).