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I've only used Kiva, but I've been using it for about a year and a half now...it is fantastic! I highly recommend it to anybody. Probably made about 10 or so loans, all of which have been repaid in full. You can cash out with Kiva, but I generally just use the money to make another loan. Plus I feel they do a really good job of telling you the story of the borrowers, and about half of the lenders have sent me a couple follow up e-mails to tell me how they are using the money and how things are going.
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