What kind of lending do you mean? To other forum members? BTCJam? If someone's willing to pay 20% on short-term loan, he's probably a scammer or gambling degenerate.
If you don't trust lending on the site or to other forum users, you can take a look at
https://poloniex.com/lending that have a dedicated section to invest in lending with different % rates.
Hope this can help!
A lot of loan offers but literally no demand, is it always like this?
Also, I'm not sure why people think it's possible to make 200% return short term with Bitcoin when it's not really possible with fiat in the first place.