hi

i have try in the past to take a loan with collateral, but with no success

unfortunately there is no p2p lending service with collateral yet

now about http://blog.btcjam.com/

"Payment cycle options reduced

Four payments a month is just too many… and if you miss a payment, it could hurt your credit score. Our new monthly loans make repayment easy as it matches your schedule.  Payments are only on a monthly basis only."

i always pay in these 3 loan per week never had an issue, all times pay days early or on the time.

If they want to help they can leave payment per week and 15 days. Some investors like to receive their payment per week or asap.