Appreciate the fact that you created a comparison of these lending pools but honestly speaking, they are shady as anything.

The reason I say this, is because I have deeply probed some of the companies about the loan originators and they are often not clearing up this question. Many times I suspect these loans to be self-made/non-existant from where you are getting money at the moment but very soon going to end up like another ponzi scheme.

P2P lending is one thing but as soon a business comes in between them the legitimacy of the platform becomes grey. If you are the lender and you are directly lending to borrowers, then I would feel much more comfortable.

Now there are pros and cons to both. If you think they are good, then go for them - put your money there and good luck making some back.