With trust many lending platforms slowly starting to slip after the fall of bitconnect most people view all lending platforms as a scheme, and they all could be. But realistically many of lending platforms will last at LEAST 6 months to a year, so simply if a platform is offering about 1% (let's say its less), avoid any urge to do compound interest and simply wait 100-120 days to make all money back, and any money earned until the fall of the platform is simply additional cash. Now this can even be shorter depending on the amount invested, given that bonus % is offered for higher $$ investors.
My personal favorite lending platform (Davor): https://davor.io/Account/Registration?r=08F71E
If you would still like to use Davor and this method (but don't like referrals): https://davor.io
In no way am I financial adviser, but this is the method I used on bitconnect and a few other lending platforms in order to make money and profit.