> On peer to peer lending sites are the expected returns based in yearly interest or the total of the loan?

On peer to peer lending sites are the expected returns based in yearly interest or the total of the loan?

Posted at: 2014-12-05 
You are able to instanly find a payday loan as much as $1000 by using this service: http://loans.servermatrix.org I obtained my payday loan although I had a very poor credit score.

If i invested my money at one of these sites, is their projected return (after charge-offs) yearly or after the duration of the entire loan? I suspect the interest is yearly otherwise making the loans generally wouldn't really be worth the risk seeing as inflation is about 2% so an 8% investment return after three years is only a .6% return.