[AjithAntony]

It's not bad, but not exceptionally good in terms of returns. I have had my account for 5yrs, and haven't added any more money in the last two.

- The default rate is higher than I expected. In the early years, the A credit rating was reported as nearly 0 defaults, and B had few. But now that is not the case. 5-6% of my loans have defaulted. Most are A/B rated Some not even making a single payment.

- The credit standards seem to move a lot

- The quality of borrower is worse than it used to be. When I started I used to scrutinize every loan, I'd be impressed to see how much detail the borrowers would share. I liked to read their stories and learn to trust that they would repay me. Now you don't see much. It's all button mashing. There are enough lenders to fund all the loans, nobody puts the effort in. I don't even bother doing the manual search anymore either.

- The dashboard says my net annualized returns are around 5%. I guess that is about right. But it's not liquid. If I liquidated all the notes today, I'd probably lose all of the gains. If I stopped reinvesting, I'd probably see a bunch more defaults bring my returns down before i got all the principal back