In my opinion I don't think this is a good idea, because only an idiot lends people money without doing it professionally like through a bank. This idea to me is not going to go far it may advance for about 5 years tops but that is it. I would never use this website, because I don't want to owe nobody money and I don't want to lend anybody money. Why would I lend people money if I have a fit lending my parents money. This is why I would not use this website or recommend it to others.