BTC mining can be profitable if someone of manufacturers will offer powerful hardware but with really good price.   In fact, there is no such hardware at the moment.
To say truth, I would be happy much more if there will be powerful altcoin miners.

Hi s1lverbox,
There are a number of things which differentiate BitLendingClub from BTCJam. I would say that the 3 major ones are (in order):

• BitLendingClub does not charge a transaction fee at loan closing. The fees are taken from the loan repayments, which means that if the lender doesn't get paid then we don't get our fee. This has resulted in a 96% average loan repayment rate, compared to BTCJam's 90% loan repayment rate.
• The transaction fee is effectively 1/2 of that of BTCJam. BTCJam charges 4% for all loans up until 5 BTC, and then 1% after that. We charge 2% across the board and with 99% of the loans being under 5BTC, that results in 1/2 of the BTC fee for nearly everybody.
• Interest rates are set by the free market. The investors compete to offer lower interest rates, by participating in a dutch-auction style bidding to offer the lowest interest rate.

There are many other reasons and benefits:

• BitLendingClub is the fastest growing Bitcoin P2P lending platform. Our website processes more than 35% of the lending volume and is growing about 3x faster than BTCJam.
• Our system is extremely transparent: we don't censor people, we don't delete comments or remove links. Of course, if somebody is doing something illegal, then we'll take action, but we don't generally step in unless there is something bad happening or somebody is attempting to scam people.
• We have a forum where we actively investigate potentially fraudulent activity: http://forum.bitlendingclub.com/index.php?forums/fraud-prevention/
• The customer service we provide is always stellar! You can read more about the reasons why people keep joining BitLendingClub directly from our customers: http://forum.bitlendingclub.com/index.php?threads/what-are-your-reasons-for-joining-bitlendingclub.55/
• Here is a detailed review of our service: http://p2plendingexpert.com/bitlending-club-where-the-players-in-bitcoin-lend-and-borrow/

When we are building the platform, we always keep our user's needs in mind. Of course, we have to feed our families too, so revenue is important, but we've taken every step to align our interest with the lenders. This means that we do everything within our power to attract good borrowers and to filter out bad players. It's not always easy, but we work closely with the community to identify any issues.
Best Regards,
Kiril Gantchev
CEO of BitLendingClub
http://bitlendingclub.com

Loan Amount: .35
Amount to be repaid: .45
Repayment Date: 11/09/2014
Collateral: My Account

why you use referral link ?

Hi i am post loan on other topic. But him do not repply me.
So i Want to loan from you 0.05BTC. 5days.
Payback: 0.06.
If agree plz repply me. I will post wallet.

Loan repayment
here the tx with the for late payment

https://blockchain.info/tx/f2504ee26c6591df1bbd7754f189d5df01cafad2b2b2b1b1751da64c523747b1
https://blockchain.info/tx/942c0ff6116b609c3b786d4359cb501e4facd3606796e2139613767bfa747fe3

very much thanks for bipolarbob

not understand, you want 25%?   i can use my account how collateral?

need loan 0.08btc, no collateral. 3 days 15GYqMny9W2ekDDqCuEg3WM4f9V9DPKFca 15%

Want to loan 0.05BTC. 5days.
Payback: 0.06.
If agree plz repply me. I will post wallet.

i am trusted....

I'm not really doubting the Silverfox loan but the other ones. It's those that look like shills to me.

All this BTC lending looks more like kid game in the playground. So called lenders ask for collateral like bank.

s1lverbox i heared scam rate is much lower on bitcoinlending than on btcjam.
I have no answer from none about my account blacklisted.

Loan amount: 0.05
Term length: 1 week
Interest: 0.065
Bitcoin address: 1MGqnKHgC3mHkY3vBCXKgec3czX3ktwRCD

Loan Amount : 0.1BTC

Loan Length : 10 days

Amount to be returned : 0.114BTC

Reason : I want to start trading of Shares at https://www.mytrafficvalue.com/shareholders.html

My BTC Address : 13MBxN5pWVVRuBRtuUuh79XYewBLTm4Ut1

I take loans only With any valid Reason

Why just don't you go to bitlendingclub.com? They move very fast with identification trust me you will not regret. I waited one week for btcjam to verify my id and after 4 rejects whitout any explanation why or what should i do, not even an answer, i decided to try BLC. Guess what, in one day my account was full verified and my loan is funding right now