Peer to Peer Lending. Peer to peer lending takes banks out of the equation and brings people who need loans and people who have money to lend, together. Now, sites like Lending Club take the banks out of the process and allow real humans to lend other people money and make a profit. For investors, this is very appealing, because they can lend a few borrow small amounts and continuously collect interest as the borrower pays back the debt. Lending Club has collected tons of data on the borrowers which gives lenders a lot of information when deciding whom to lend to. Andrew shared his personal Lending Club strategy. Invest In Yourself. The Best Ways to Invest in Yourself.