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How do you feel about peer-to-peer lending loans (small loan

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How do you feel about peer-to-peer lending loans (small loans that pay interest to you)?

prosper.com
lendingclub.com
upstart.com
etc.

Is it worth investing in other people to help them out?
>>
What happens if your debtors don't pay?
>>
>>2053945
how do you fuck them up when they don't pay?
>>
Been at this for 7 years.

returns start at 13% and drop to 8% for most.

Prosper and LC offer great datasets which you can use to build your own models and beat that amount - with some excel and math skills you can beat 10% YoY
>>
>>2054001

Most of the sites assign a risk level from low risk to high risk, so you know if a debtor is worth risking your money on. Some give a profile of the person and a way to contact them if they come across hard times or become a delinquent.
>>
>>2054039

7-15% return doesn't seem that good compared to bitcoin's 100--200% return in a year on average..
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