that the Internet can exchange all known, but a bit 'of time is also possible to exchange money is a novelty for many.
It's called social lending. In practice this type of site, the most famous is Zopa, there are two categories of people: those who lend money, and who needs them.
who lends money is found at a higher interest than banks and those who ask for money instead she finds herself paying a lower interest than the market. In short, a win-win.
Zopa
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