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No, but like you, the ads I have heard on the radio are rather interesting. Never looked into it though.
January will be 2 years I have been with Lending Club, have had a few notes charge off but I am still making almost 9% Net Return.
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I was just looking at that, the majority of them were E and F ratings with one C and one B. I am very well diversified between A-F
I had a B rated note charge off. I won't do it again. Feel more confident with my money well placed mutual funds and bonds.
You should be able to easily gain 7% with minimal risk buying mutual funds.