Anyone here dabbling in Prosper/Lending Club?
 

Anyone successfully or unsuccessfully participate in P2P lending? Experiences? I've seen over time they have tried to make the process easier by letting you letting you really filter down to the lowest risk loans like A and B while still mixing in a couple C's and D's. Seems like the magic number of loans to be in is 200.

If they do not have the money, they will not have the money to pay back?

Some don't pay back, hence, the recommendation of participating in 200+ notes at $25 per. I thought this was interesting: Lending Club Strategy: 5 Simple Ways to Increase Returns