spitfirefury

From a borrowing perspective, I can't say anything because I didn't go to this site for an investment loan.

But as a lender for the last year, this site's been a pretty nice buffer for my portfolio with last year's melt down. While they were being held up by the SEC for their registration, Prosper.com brought me even bigger returns but now with their registration the cash is flowing back to Lending Club.

As for a credit rating and/or minimum networth or income, that didn't apply when I signed up. I was making 32K and had about 3K in debt and no real assets to really count towards my "net worth" besides some mutual fund shares which were losing value every day last year. If there is a minimum credit or income regulation now, that came into effect after the SEC Registration which finished up in October.