Ask HN: Startups Offering Personal Loans for 5-8% APR?

I've read about how quantitative easing has resulted in a lot of companies with money that they can't find a place to get a good return on. The result is stock buybacks and high startup valuations. So I would think that getting a personal loan to pay off credit card debt at an interest rate of somewhere between 5-8% APR wouldn't be that hard, if there really is all this money sitting around looking for a decent return. However, the best online loans I'm finding are about 11-12% APR. I'm employed full-time and have good credit, with the exception of one credit card that is near the limit.

Are there any startups offering loans at the rate I'm looking for? If not, why?