I came across this website called Zopa, which is a social lending site, a whole new concept. Basicly it's like lending money to your friends and family, except there's thousands of people who you can lend money to and from whom you can borrow. The rates are much better than banks because there isn't thousands of employees to pay, big branches to maintain and so on. Seems like a very interesting and promising concept. Currently Zopa is only available in the US, UK, Japan and Italy. I have only two questions about Zopa ... how safe is it, and how much money can a person borrow? I mean, banks can lend you 100's of thousands if you need to build a house or something. Right now I think Zopa is only good for small loans, like a few grand max. But when it gets really big I think it'll be possible to get larger loans. I see a bright future for social lending. Code: http://www.zopa.com What do you guys think?