Pertuity Direct is a social lending network.  If your not familiar with the concept, its a place where individuals and business can borrow money at great rates(simple interest loans starting at 7.9% (8.6% APR) for good credit ) from other individuals.  Loans max out at $25,000 and for borrowers there is no pre-payment penalties.  The process is much easier and cheaper then going to the banks.  Peer to Peer lending is growing in popularity, and much easier then dealing with the banks.  Pertuity Direct handles the process of making you a credit-approved borrower, allowing you to get great interest rates from lenders in the network.  This eliminates the hassle of lender bidding on your loan.  If you have not gone through the process of having banks bid on loans, you will find that a lot of loans get overlooked and cancelled because your loan did not receive enough bids.  Your personal information is not shared with anyone in the network and is protected by Pertuity Direct.  You can loan to consolidate, auto, business, renovations, or whatever else you want to use the money for.  The part I like the best is also the lenders portion of Pertuity Direct.  You can become a lender and make some real interest rate on your money.  You can become a lender through their National Retail Fund.  Something to consider with the non-existent interest on your cash and if your still a little nervous about dumping a pile of cash into the market.  Check it out at Pertuity Direct and get a low interest loan.