How Peer Lending Works

1. Borrowers apply for loans.
   Investors open an account.
2. Borrowers get funded.
   Investors build a portfolio.
3. Borrowers repay automatically.
   Investors earn & reinvest.

We bring you a more efficient model.

By allowing our members to directly invest in and borrow from each other, we avoid the cost and complexity of the banking system and pass the savings on to you. Both sides can win: better rates to borrowers and better returns to investors. It's that simple.

Better for Borrowers

We cut the cost and complexities of bank lending and pass the savings on to borrowers.
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Better for Investors

With Lending Club you can invest directly in creditworthy borrowers, and earn better returns.³
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Your privacy is protected.

Lending Club strongly protects your personal and financial information. Investors and borrowers never know each other's identities; we will never sell, rent or otherwise distribute your information; and we only share what's necessary to complete your requested transactions. See our Privacy Policy for full details.

We're committed to transparency.

We are proud to share information about our company and give you straight answers to all your questions. Whether you want more information about Lending Club and its management team, the borrowing and investing process, news and updates, or help with specific issues, we'll get you the information you need.

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¹ Rate based on A1 Loan Grade, subject to credit approval. All loans made by WebBank, a Utah-chartered Industrial Bank, Member FDIC. Annual percentage rates for all loans range from 6.78% (A1) to 27.99% (G5).  Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history.  

² Average national and city base interest rates for unsecured personal loans between $5,000 and $10,000 as of April 27, 2013. APR may be higher due to any origination fees or other charges. Source: RateWatch.

³ Return calculations based on accounts that have invested in 800 or more unique borrowers. 800 Notes can be purchased with $20,000. All data as of May 13, 2013. The availability of Notes/unique borrowers is dependent on your investment criteria. There is no guarantee that you will be able to invest in 800 or more Notes/unique borrowers promptly, if at all. The foregoing is not directed to the specific investment objectives, financial situation or investment needs of any particular person and should not be considered investment advice. You should consider reviewing the prospectus with a financial advisor prior to investing. Past performance is no guarantee of future results.

Lending Club Notes are offered by prospectus filed with the SEC. Please consider the risks of investing.