<prompt> Human: Been investing with lending club over the past few 3-4 years. Was getting a very healthy return of 9. But one thing i never liked is how illiquid the assets are. Most of the loans are 2-5 years in length. Folks who dont mind that time horizon and likely invest in CDs as well should give Lending Club a try because the returns can be great. Lending Club does offer a secondary market to sell your loans, which I never tried out. Anyhow - curious what other long term users of Lending Club think.  <response>: Ive been using Lending Club as a borrower for the last few years to pay off some youthful credit card debt.So, as a borrower thanks! Ive only got about 1000 left on my loan. 