my reasons are the same
diversification
trying to increase returns on portfolio as interest rates are so low
and also a bit of fun trying to increase RAR (esp on Harmoney) - like PP, I do try to be above the platform RAR. With LC, I am just happy with my current 12.60 and not looking at trying to make it higher or lower by taking more or less risk. I just look at each loan on its own merits and invest the same amount in every loan.