Zopa is now in the USA. For those not in the know, Zopa is the British version of Prosper.com (they actually pioneered person to person lending). Unfortunately, because of US regulation, Zopa cannot do in the US what it does in Britain. Rather, it can only offer a CD at 5.1% while letting credit unions do the actual lending. Not very p2p, but a 5.1% return beats the -1% return I have received on my Prosper.com loans over the last 1.6 years.
Random fact: ZOPA stands for “zone of possible agreement”
Disclosure: I ‘invested’ money in p2p loans at Prosper.com. I have no connection to either Prosper or Zopa.