I don't really like BTCjam and if I ever need a loan I usually post it here. I think BTCjam requires too much of my personal info to get a trade. While investing is pretty profitable the only time you will see my use BTCjam is investing.
Im planning to use their service too but the required personal details making me afraid to do so though
If they required no personal information and no collateral... what would be there to keep people from just running? People would make thousands of accounts for free money. This should be WHY people are willing to invest -- there's no way I'd put a cent on that site without that information.