I got a loan from them almost a year ago to pay off CC debts and lawyers fees that were charging me about 22%. Got a 5 year loan to cover everything at 15%, I'm paying about the same per month as the CC balances but I'll be done in about 1/4 of the time. Having a family member steal your identity gets very expensive.

Once I'm clear in a couple of years (I make extra payments) I plan to be an investor in Prosper instead of sending my money to USAA's 0.1% interest savings account.