Zopa is like the ebay of money. I have money, someone else needs a loan. Zopa pairs my money with borrowers and I get a much better rate of interest than the banks offer.
If you're in the UK, sign up to Zopa with this link http://zopa.com/member/rapidandi and you'll receive £25 if you take out a loan of any ammount or save £2000.
Read more about peer to peer finance here: http://www.huffingtonpost.com/jeff-rose/peer-to-peer-lending-the-_b_4628598.html