Anyone have any experience with Prosper or LendingTree?

Dank Hill

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I was thinking the other day how much banks make off of people via loan interest or just interest in general and was saying to myself, "I wonder if there's something out there where I can lend people money and get paid off of the interest as well". Well I came across Prosper/LendingTree and read up a bit on it. It seems kind of sketchy, so here I am asking if anyone uses either of these two programs and whats their take on it.
 
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