Well, LendingClub is the new guy on the block for peer to peer lending. I went over and tried to apply for a loan there, but got the following message:

We’re sorry, but based on your credit score, loan amount, Debt-to-Income (DTI) ratio, and/or your state’s maximum borrowing rate, we are unable to list your loan request at this time.

In an effort to protect the community, we have implemented a very stringent credit policy. This policy, in combination with low maximum rates in some states (see State Licenses & Limits), requires us to turn down loan listings of otherwise fine borrowers. We are looking into ways to help accommodate more borrowers, so check back soon.

Ouch. It looks like a combination of Virginia’s interest rate limits and my credit score have restricted me from LendingClub also.