I lent only to borrowers with the highest credit score.
Bad loans were 0.48% of the money invested and fees were about 2% of the money invested. The net interest earned over the whole period was about 6%, before tax. That's quite low given it took more than a year to earn it. In addition, current interest rates are lower so future net interest would be lower still.
I do, in fact I think I mentioned it in a post a day or two ago. But I've only started recently so too early to give much feedback, except that the websites I looked at while choosing were all well-organised and simple to use. NB that it is fairly high-risk, and at the moment the industry is not much regulated. I am happy with some fairly high-risk investment as part of a larger portfolio. But I have quite a high "appetite for risk" as they call it (!) and also enjoy making these sorts of decisions for myself. DH finds the whole thing ghastly and nerve-wracking and just wants something super-safe he can forget about!