Don’t do it, is my advice. You would be exposing yourself to undefined and unpredictable risk, for returns which are not worth your time. The loan originators can close up shop or be swept out with regulatory changes (as recently happened in Kosovo), and you risk being left with 100% loss.
On the legal side, P2P gains are income, not capital gains, which means the returns should be taxed with your marginal rate, bringing down any potential gains even lower.