Before Alex Taguchi proposed to high school flame Jenny Lee, the 26-year-old decided to liquidate about $11,000 in credit card debt, provided he could find a payment plan affordable on his salary as a software support specialist. His bank offered him a debt consolidation loan at 16.5 percent, but the Mountain View man decided to get a quote from a new online financial service that matches borrowers with lenders to give each better deals than are otherwise generally available. Today Taguchi is paying $380 a month on a three-year, 13.88 percent note issued through Lending Club.com, one of two Bay Area firms pioneering a new industry called peer-to-peer lending. The other is Prosper.com. Lending Club of Redwood City and Prosper of San Francisco have figured out how to perform [the] two-fisted function, of taking money in the one hand and lending it with the other, in a way that allows aspiring borrowers to specify how much they want, and for what purpose, and also gives them an overall risk profile - comparable, say, to a search engine ranking. These two online lending rivals then give potential investors the option to fund some of these loans at fixed rates and fixed terms - and interest levels designed to compete with bonds, stocks and other financial instruments.