It seems many folks on the forum have been disenchanted with Prosper and Lending Club for various reasons but mainly returns. I continue to invest in these sites but do not allocate any "new" money since my returns have steadily gone down over the past few years.
Most of discretionary income goes towards Real Estate Crowdfunding sites and I have done much better from a return perspective than I do in Consumer loans. It is still early in this genre but patterns are developing and there are clear leaders in the industry.
Please check out my review below................
https://investorjunkie.com/47367/p2p-real-estate-crowdfunding-comparison/
As I mentioned in my comment these reviews are only of accredited investor sites. Investor Junkie has tons of reviews for these sites which are off limits to most investors. Please review the non accredited sites or.. find someone to review them for Investor Junkie.
I can't wait until these go through credit stress and people are jumping to LC because the returns are higher.