For example, one of the most good investments is a default rate of just over 5%. If you screen your loans well and avoid some of these defaults, then you can earn some really nice returns. Fortunately, companies have worked to offer screening tools and portfolio settings for your investment gain. Instead of having to go through every single their online tools allow you to target a certain rate of return and search only through loans that fit the bill. What is even better is that you can invest as little as $25 in a loan to get started. So, if you want to avoid the bulk of potential risks – or simply spread it around – you can spread your investments out over hundreds of different loans if you want. I had one friend make a 5,000 was able to buy into 200 different loans.