Generally, BTCJam and Loanbase only needs your address and ID to verify your identity. Income verification is a huge plus though. But be prepared to pay a higher premium due to the risk with your verification tier.
Has anyone been using loanbase? I m considering to test them but I really dislike using service without actual collateral collection option.
That's true. Do not ever lend your coins to any one without a proper collateral unless you really know them or very trusted members on this forum. Because out of 10 people, if only one guy cheat also you won't be making much profit from lending business so I never lend any one or use any of those sites (btcjam or loanbase) to lend my coins. Plenty of people are waiting for free money to get by cheating others.
