I think it is worth it because it is a quick access to your money platform and very importantly has a provision fund. You dont see any defaults to your investments because the provision fund has covered them in the background
My last 3 lend orders since 18th have taken 4 days, 3 days and then 2 days (28th to 30th), so the actual time appears to be somewhat less than the statistics page would suggest.
You have better luck than me.
My 1st deposit: 5 days - 3rd Nov, matched on 8th Nov Ended on 8th Dec 2nd contract: 3 days - ordered on 8th Dec, started on 11th Dec Ended on 21st Dec 3rd contract: 5 days - ordered on 21st Dec, started on 26th Dec