Prosper

I just ran across this site, Prosper.com and I can't believe it. I guess if it's done right, it can be a great idea but it sounds so risky.

Here's how they describe their site:

People who need money request it, and other people bid for the privilege of lending it to them. Prosper makes sure everything is safe, fair and easy.

I have no experience with this site but like I said, I'm shocked that in this day and age of Nigerian spammers, credit fraud and other scams, that real people would actually sign up for this.