People-to-people lending is a new activity made possible by the Internet and inexpensive computer electronics. Loans made directly to consumers are also a new asset class for investors to consider. There is risk involved in making these kinds of loans, so only money designated as risk capital should be used. This book is written for investors and lenders who do not have a background in consumer finance, yet who wish to participate in this new form of interpersonal finance. A premise of the book is that many people will want to engage in passive lending, where they automate the process of finding and bidding on listings. People can also choose to automate the process of finding appropriate listings to review and then bidding on them manually if they wish. This book describes how to become a passive lender on Prosper.com by using standing orders to automate the process of finding and bidding on unsecured loan requests. The author's primary goal is to make small-time lenders such as myself who don't have a background in consumer lending nor the time to spend researching individual loan requests to be able to earn a second income from employing some of their risk capital.