If you are looking for a personal loan, great places to look are the micro lending or peer to peer lending websites. You apply for a loan and investors contribute a portion of that loan so that you have several people lending to you at one time. The interest rate is determined by what you want to pay, by what the investors want to pay, and your credit rating. Here are a couple of the more famous websites:
Prosper
Lending Club
The best use I can think of for this type of loan is for start-up money for a business. Don't consolidate your student loan debt using these websites as they won't come with perks such as IBR repayment or deferment options.
You could also be an investor to a person seeking a loan. The websites advertise high returns, however, be ware, as some of the high risk loan seekers do not repay and you, as an investor, will have to file for collections of your loan and you might loose the money you lent out. What I like about these types of websites is that you can lend $50 to 50 different people. This feature allows you to diversify yourself.
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