I have investments in both prosper and lending club and in my opinion lending Club is much better than prosper.
Prosper is much more risky as an investment because they lend to people with lower credit scores which means that the person borrowing the money may not pay back the loan which means that you could lose your money and not earn enough interest.
With Lending Club you could still lose money but it's less risky because Lending Club requires a higher credit score for borrowers of the money.
Yes investing in Lending Club is worth it in my opinion.
I've invested in Lending Club a few years ago and have made some decent money off the interest and investment and if you have at least $1,000.00 to invest into Lending Club then you should do so.
I make more from Lending Club Investing through interest than I do on a regular savings account although I have a savings account that I put money into monthly.
I also have money invested in Lending Club and I believe it will make a nice retirement fund when I get to retirement which is around 30 years away.
It's good to have investments so that you have income in later years especially when you're unable to work a job or when you get to retirement.
Although you might have social security income that amount of money is not much and really not enough to survive on or have any fun with.
So it's best to have savings as well as investments so that you have enough money through retirement or in the event you have a job loss etc.