As a lender on this forum, I can vouch for this. Definitely a risk-free way as an investment , as long as valid and proper collateral was provided. I experienced a loss on lending though, when someone defaulted a loan from me but its my fault cuz I gave a loan without an collateral asked. Now, I already learned and a collateral will be a must (to non- reputable members)
The problem is that most loans here are small and you get really low % interest back and when they default you have to sell the btc account that most likely they used as collateral. No one really gives altcoins as collateral, almost no one.