Harmoney

[CageyB]

I'll post my results so far. I've been investing with Harmoney since April 2016. My investing is probably a bit unusual in that I only invest in 36-month loans. I also do not invest in F-grade loans. I haven't attempted doing any of my own RAR calculations, everything below is generated by Harmoney.

Total number of loans: 597, no more than 4 notes each
Loans paid off early: 164
Amount invested (deposits): $18,275, all interest re-invested
Gross interest received: $2,374
RAR (as reported): 16.92%
Current grade distribution by $value(approx): A=21%, B=25%, C=20%, D=19%, E=15%
Amount in arrears: $48
Number of loans in arrears, not counting those listed <30 days: 12
Arrears breakdown by grade, again not counting those <30 days: A=0, B=1, C=0, D=4, E=7, F=not invested
Loans >180 days in arrears: 1, grade E5
Charged-off: $0