I will tell you - I am a first time borrower, and thanks to Prosper, my life looks really good for the first time in 20 years. Yes, I've struggled through hard times, and I truly believe people need to work through things, but I just could NOT get a break no matter how hard I tried these past 7 years since my divorce.
Prosper is having their gathering in Feb, and I'd love to go, just to say thanks for bidding on me and providing me new life.
Eventually, I fully plan to utilize this service from the lender side, because I know there are many honest people who just need a break.
Yes, I read many loans on there and thought, I would or wouldn't lend...it is awesome and if you need the help, give it a shot