How Lending Club Works
- Borrowers apply for loans.
Investors open an account. - Borrowers get funded.
Investors build a portfolio. - 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 Investors
With Lending Club you can invest directly in creditworthy borrowers, and earn better returns.
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Better for Borrowers
We cut the cost and complexities of bank lending and pass the savings on to borrowers.
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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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2 Average national and city base rates for unsecured personal loans between $5,000 and $10,000 as of May 14, 2011. Source: RateWatch.
Lending Club Notes are offered by prospectus filed with the SEC. Please consider the risks of investing.
Latest Stats
as of 02/03/12
Loans funded to date:
$504,995,025
Loans funded last month:
$34,000,575
Interest paid to investors:
