BTC lending on all the platforms I've seen so far (BTCJam, Bitlendingclub and BTCPoP) is exceptionally dodgy.

BTCJam's autoinvest feature is a brilliant way to lose a ton of BTC and their API is really quite useless; they don't expose loan history via their API, so it's difficult for members of the public to do their own research/calculate their own statistics. By contrast, BLC does expose loan history via their API and in general their API is sensible with language-neutral documentation. I have a copy of BLC's entire loan history in a MariaDB database, so I can go and query their loan history and generate my own stats whenever I want. Transparency is important.

Both BLC and BTCJ are filled with scammers, but BTCJam more so as a result of their forced-APR. Good borrowers on BLC will work towards a good reputation and will eventually demand lower interest rates whereas borrowers on BTCJ always pay ridiculous rates and as a result the platform attracts scammers.

I only invest on BLC these days. I use a machine learning system (the results of which are publicly available) to filter out loans with reasonable rates of success and then I personally scrutinise those loans. It takes time to work out the tell-tale signs of a scammer and the signs vary depending on the type of scammer (incompetent individual, scammer individual or group of scammers).

Point is, don't use BTCJam's Autoinvest, it's dangerous... and in general be very wary of investing in BTC P2P lending platforms, it's a great way of losing your BTC. Also, don't invest large amounts of BTC (greater than 0.1) in a borrower/listing unless you're absolutely sure that they (1) can pay you back, (2) will pay you back and (3) you'll be able to recover the debt legally if all else fails.