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This type of services were kind of popular 4-5 years ago, but never really got a critical mass of users. Some of them also had some troubles with the law and Bank lobbies. Here is a few examples:

Zopa

Prosper

Landing Club

The medium is the message. This means any alternative money systems that would be based or linked to our current forms of money will always suffer from the same problems we're facing today.

And if there is no interest whatsoever, and there is no need to repay everything? In that case you get a positive netto value instead of a negative one, without debt. So you would have a system based on goodwill instead of debt.

Bhutan & WIR, alternative economies die in Switzerland

http://www.managementenliteratuur.nl/1971/sander_tideman_%E2...

Ask HN: The money/debt problem