Consumers unable to qualify for a traditional loan, or unwilling to put up with the red tape and high costs, are increasingly turning to peer-to-peer lending sites such as Prosper, LendingClub, Zopa, and Virgin Money. Think eBay for personal loans: Instead of matching individual buyers and sellers of goods, these sites bring together potential borrowers and lenders. I’m all for social networking, but p2p lending is full of risks I don’t think many borrowers or lenders fully appreciate, or are paying attention to.