Lending Club

Earn better returns.

Individual Retirement Accounts

Self Directed IRA growth in Lending Club

$100,000 Investment Growth over 30 Years*

Enjoy the tax advantages of a self-directed no-fee** IRA that allows you to invest in Lending Club Notes. A single $100,000 investment can grow to more than a $1.5 MM dollars over 30 years.*

No-fee IRA**

Combine the benefits of Lending Club's predictable returns with the tax advantages of an Individual Retirement Account by opening a Lending Club no-fee, self-directed IRA. Self directed IRA's offered in partnership with our custodian SDIRA Services as administrator.

Open an account »

Simple rollovers and transfers

It's easy to rollover your 401k or transfer funds from your current IRA. There's no fee for opening or maintaining your account.**

Open an account »

Retirement account types

You can open a Traditional IRA, Roth IRA, SEP IRA, or Simple IRA through Lending Club with our custodian SDIRA Services as administrator.**

Open an account »

Get help, open a PRIME IRA Account

Get help administering a diversified Lending Club retirement account as well as gain greater access to our Investor Services team.

For more information email Investor Services »

* Assumes monthly reinvestment of capital at 9.5% per year. Past performance is no guarantee of future results.

** To qualify for a no-fee IRA you must have an initial minimum balance of $5,000 or more in Lending Club Notes and maintain this invested balance for the first 12 months. To continue to qualify for the no-fee IRA after the first year, you must maintain an invested balance of $10,000 or more in Lending Club Notes. All account balances are determined as of the last business day immediately prior to the anniversary date of the opening of your account. An annual fee of $100 applies to accounts that don't meet these requirements.

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

Sign Up Now

It’s free and it takes just minutes

Open a No-Fee IRA**

Or call: (888) 381-9309

PRIME Account

Looking to maximize your returns with minimal effort?

Consider opening a PRIME Account. Get greater access to our Investor Services team.

Learn more »

The math pitch involves the increased efficiency of cutting out the banks, allowing relatively lower rates for borrowers and good returns for lenders.

New York Times

See what others are saying about us »

Featured Borrower

Sarah
  • Sarah
  • Newfield, NJ
  • Pay off Credit Cards
  • $15,000 loan at 9.79% APR

"As an accountant, I am very conservative about money. My daughter's credit card jumped her interest rate... I found Lending Club and got a loan to pay off her credit card."

Browse more personal loans »