Is P2P Lending Worth It for Investors?

I've been hearing a lot about P2P lending lately and I'm really curious about it. Some friends say it’s a great way to make decent returns on your money, but others are more skeptical and warn about the risks involved. I’m not looking to throw my savings into something too risky, but at the same time, I want to find smart ways to grow my investments.

Have any of you tried P2P lending? What has your experience been like? Did you find it easy to navigate, and do you think the potential rewards are worth the risk? Any tips for a newbie would be super helpful too!