<prompt> Human: Ive looked into micro-loans p2p lending as a way of earning some money better ROI than a savings account, but a lot most of them seem shady.Can anyone recommend a site that theyve used? Also share what your experience with them was ? Please note Im in the UK so that might rule some sites out. Thanks !  <response>: Ive heard that defaults are high and that youll make about 7 when all is said and done. If the economy goes south, defaults will likely rise. Article and discussion on it: 