i have always heard of btcjam and saw the ads but have never tried it.
what is the difference between lending to people there and lending here in this forum at lending section.
what do they provide as a guarantee or collateral?
Each has its own rating. There are people who are constantly borrow and return. They have a good reputation. Do not skipped borrow the full amount, but only that which you do not mind.
I have heard many good reviews about this site. No time and money that would be available to try.