Have you heard of Prosper person to person loans?

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This is only for people in United States. I was watching a morning news show and they were talking about Prosper.com. I went and checked it out. It is really cool. You post if you want a loan and what interestrate you want to pay and other members actually bid to loan you the money. Check it out. But even more importand post on here what you think about the concept. http://www.prosper.com/secure/account/group/group_invite_members.aspx