<prompt> Human: Kiva seems to be the most well known, but Im guessing there are others i may not be aware of. Im a new father and just turned 34 yrs old so Ive been looking for more ways to add to my income beyond my salary. I have a standard middle class job in NYC and dont have a lot of excess funds to divert elsewhere, but Ive gotten into ETFs through Stash and sort of forgotten about it back in November. Through the weekly auto deductions I saw that the profit so far was 25 in 9 months and it made me realize that passive income might be something I should look more into but I wanted to gauge this subs thoughts on online money lending before getting into it. Another thought that Ive been pondering is RichUncles, which seems to be advertised on many of the podcasts i listen to but either way at this point Id like to put my money into something beyond stocks and bonds that can accumulate some kind of decent annual interest.  <response>: I did Lending Club for a while, and would advise against the industry as a whole without knowing the nitty gritty of other systems you mention beyond a quick Google. I made money, its not a scam, but still worth avoiding. You get the same returns you would if you invested in a publicly traded version of the same thing, but with none of the protections and zero liquidity. The high yields they advertise are because the products are so new the majority of the investors are too early in the investments to have the same default rates and impairments that comparable old fashioned versions already have priced in. 