I'm on my way out. For a while, I was still reinvesting, but only in 36 month loans so I didn't extend the time until we are out completely. I'd withdraw occasionally if I went for a while without finding enough loans (which happened often). Now, I'm withdrawing everything. My RoR is currently 12.17%, and projected to be just over 9% with their default Magic 8 Ball formula, which isn't bad. No idea what the tax picture makes that look like. But that return has been dropping, and likely will continue to do so.
It's not bad money, but it got super annoying have to log on at the moment new loans were released and feeling like, if I waited to consider a loan for even 30 seconds, I'd lose it. I felt very pushed to make rush decisions.
I never put much in ($5000 initial investment, I believe, and then just reinvestment of payments), and I considered it play money. I don't think it was a total bust, but I'm doing playing and ready to find a new game.