My sister sent me the link for Prosper. I was intrigued. I thought that I'd give it a try being a lender. I took out half the money out of our ING Account, which wasn't that much to begin with, and placed in a prosper account. Once the money was transferred, I started browsing the loans. I placed a bid and 7 days later I won, I did that a few times and I've lended out all the money that I put in. I received my first payment 2 weeks ago and it feels good to know that I helped someone out and that my $$ is growing a little bit faster than in my savings account.