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What is P2P Lending?
P2P lending, also known as peer-to-peer lending, is lending money directly to an individual. P2P lending bypasses banks in the lender to borrower transaction. It allows lenders to gain higher interest rates on the loans they initiate.

http://www.bellaonline.com/articles/art41267.asp

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***These loans have no collateral backing them which increases the risk. In my opinion, it would be wise to stick to A and B rated loans. They still have nice rates of interest with a higher chance of full repayment.***

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Investing $10K in 2014 - http://www.amazon.com/dp/B00HMCXX5S
Investing $10K in 2013 - http://www.amazon.com/dp/B00G5KZZ40

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