Hi, I'm currently a Lending Club member and think it's a service you should check out. Lending Club is a great alternative to banks and credit cards. They have low fixed rates on loans up to $35,000.

The application only takes a few minutes and is completely confidential, secure and online.

Find out more here.

Lending Club respects the privacy of its members. Your personal information, whether you borrow or not and how much you borrow will always be kept totally confidential from other members -- including me.