Before you invest in "margin lending" programs

Try this test:
If I invest $1000 and get the returns they claim will I be a trillionair in 5 years.

Now think of how many people invest $10k, is it really possible for them to all be multi-trillionairs?

Poloniex will pay you for full return swaps (margin lending) you'll get around 5% app. Risk is if the site goes down, since you don't own the private keys. Site gets lots of trading commission profits, and registered in USA, so heavy punishment for running off with everyone's money.

Btcpop.co does p2p loans, you can lend over there and earn interest (if the borrower pays off the loan). Or you can fund instant loans, also around 5% app. Same risk from not having private keys,. But the site owner has made a significant investment in many people.. if the site goes under, he's not likely to get anything back.