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Lenders should prepare for the January rush with record demand on the peer-lending sites. Zopa have announced that they have dispersed just under £400,000 today. Additionally in RateSetter's December statement email they advise:
Seasonally December is a quieter month for Borrowers - the lull before what is expected to be our busiest month yet in January, as people arrange their finances for the year ahead.
So we would encourage potential lenders that if they want to take the plunge and join the thousands of other lenders then now is the time. P2P Money have an up-to-date list of the attributes of the different peer-providers.