People to People Online Loans

The company that came up with the idea is "Prosper.com." It's like an e-bay for money. "Quite simply it just allows borrowers looking to borrow money to make loan listening like they would on e-bay and then allow any American with 50 dollars or more to bid directly on those loans," said Prosper.com's CEO Chris Larsen.

You can consolidate credit cards, help with wedding costs, college, or purchasing a dream home. Borrowers create a listing and the interest rate they're willing to pay.

As a lender, you can bid as low as $50 dollars toward a loan. The more people bid, the lower the interest rate. The most one can borrow is $25-thousand dollars.