I have lent some money to HaoBTC. The interest rate is about 8%. It is not high, but I get some income.
For me it is somehow it is a good amount of rate, and of course you don't have nothing to do but to lend your bitcoin and going to wait for the interest rate and return of your bitcoin. That's a fair enough rate to lend your bitcoin to HaoBTC.
you'll realize what's the meaning of "good amount of interest" when you just investing on HaoBTC and suddenly the price of bitcoin because so fluctuative and the value decreased,wasting time and wasting effort
I must say that loans can be risky. I suggest you only take a loan when you buying something that you really need. And if you are sure that you will be able to pay it back. If this is not the case do not take a loan because it will mess up your life.