I signed up, provided a huge amount of personal information all successfully, verified all the social media information and my trust rating was still low. Then I saw the story that they got hacked and haven't been back since. They also have some internal metric on what a good lending rate should be and everything always says it is too low. It seems like a huge waste of time... I wasn't even looking to borrow but rather invest.  Maybe one day they'll make it better in a kickstarter kind of way.