If you're looking to collect more interest than your average CD or IRA stock portfolio, peer-to-peer lending may be for you.  Investor Ruben Schoenfeld discusses how programs such as Prosper and Lending Club can yield income with as little as $25 investment.

And if you need a loan but can't get one through a bank, this may be the place for you to try.  Multiple people chip in small amounts of money to fund the loan amount you need.  But, this is NOT a Go-Fund-Me account.  You still have to pay back the loan.

Find out the different risk levels, how much, or little, money you can make by investing in people. So whether you need a loan for home improvements, debt consolidation, baby or adoption loans, these programs could work for you.

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