So I have to chime in on my experience so far with LCT. 

1. The devs have been communicating well
2. The Telegram community is very active and growing
3. The site traffic is growing rapidly as shown by the Alexa rankings
4. The lending commission system is working well for those with referrals and is paying out quickly.  This commission will get credited to your lending wallet
5. The ERC20 token system takes time to use and that is a problem for noobs not used to using ERC20 tokens on the ETH network at high network congestion levels; If you use 250000 gas and 30GWEI then your        transaction to send in LCT it will take 2-4 hours for the LCT to appear in your client account.  I believe this is because the devs have to push the tokens to your client wallet and they are busy from all the traffic but the LCT does get through, so you just need patience in this aspect.  I hope they improve this. 
6. Many people did not load the minimum ETH (0.01 or so ETH or a little less) that is required in the site client wallet and that is currently needed for your LCT to credit you account.   However, you CAN send the ETH after you have sent your LCT but it will slow the LCT deposit process.  Just send in the ETH whenever you can and it will get your deposit sorted out.
7.  Reports are that the lending deposits are paying out at around the 24 hour mark; I can not confirm that yet because my first loan is only 22 hours old.
8.  The daily payout for loans is indeed 5% until the 21st;  this is to get investors to loan heavy and early to help jump start the system.  For the platform to succeed people need to lend, a lesson learned by many other lending platforms that did not properly incentivize lending, payed out low interest rates, and thus the token prices dumped hard.  So this team has the right idea. 

So those are a few points that I have right now.  I will update in a day and update the list after my first loan interest is credited and any other things I remember come up.  Happy lending!  Together with this team and community I think we will see 10$ per LCT or more in a month or less.