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Everyone hates dealing with lenders and banks. Thankfully, there are a lot of options sprouting up that can replace traditional banks. Prosper.com is one of them. The site has two interesting aspects: 1. you can loan money to others at a rate that you set (6-29%); or 2. you can borrow money from a private lender at a rate often lower than traditional banks. Right now there are $92,000,000 in loans on the Prosper site, so if you are looking to invest at rates higher than a CD, money market, or savings account, consolidate your student loans, get startup capital, or just pay off some credit card debt at a more reasonable rate, check them out h

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