I thought BTCJam was very risky to deal with. People with fake profiles.

If you want to lend I recommend on this forum, although it's kinda risky, but high interest(Generally over 10% per day), fast repayment(Mostly under 2 weeks) and the trust and ranking system is what you can usually depend on. I.e. the higher trust score one gets, and the higher ranking that guy is, the more you probably can trust him and less chance of a scam.