[halcyondaze]

I really like LendingClub. I was a bit mad at my default rate, as I followed stringent criteria, but I'm still sitting at 6.5%. I actually had someone die that I lended to and it really hit home with me for some reason.

The return isn't amazing, but I'm not doing anything else with that capital right now, and don't care to toss it in a different vehicle right now. It's fun to use for me.

[guiambros]

Same here. I'm getting a 6.03% return. Low, for sure, but at least I get the feeling that I'm helping a few folks to borrow money, at rates and conditions that are more reasonable than with traditional banks.