I use Lending Club as an investor. I am able to make investments in as small as $25 increments in order to diversify my portfolio across a large range of loans. They make the investing process super easy by giving a lot of key information about each loan so I can make the best decision. They offer credit scores, debt-to-income ratios, monthly income, number of credit lines, etc. Right now I am pretty risk averse and have a very conservative portfolio, but as I increase the dollars in my account, I will move into more risky loans.The concept is great. Get the middleman out as much as possible and allow investors to support individuals striving to make a better life for themselves.