Lending club is just a medium for you to loan (in)directly to people.
Mustachians do whatever the hell they want. I will tell you this though, and all of it is my opinion, the market for you to make a good amount off of lending club loans is more efficient than ever. That is to say for you to get an above average return would be very difficult as someone has already beat you to the punch using third party software.
This is less of my opinion but just good advice, if you don't understand it don't invest in it. P2P lending has nothing to do with torrents, bad analogous relationship because of an acronym.
I'd stick with low cost broad index funds because they're easy to understand. Then educate yourself and see if anything else strikes you as reasonable or jives with your you.