Earn better returns.

Earn Solid Returns

Earn Solid Returns

Notes offered by prospectus filed with the SEC. This information should not be considered investment advice. Past performance is no guarantee of future results. Consider reviewing the prospectus with a financial advisor prior to investing. Information presented for illustrative purposes only and is not a report of actual performance of an identified portfolio of Notes.

A Financial Innovation.

Lending Club is the leading platform for investing in and obtaining personal loans. Since inception we have facilitated over $4,034,212,800 in loans to prime credit borrowers. Our borrowers obtain loans at terms they find more attractive than those offered by their traditional bank or credit cards. Loans are funded by investors, circumventing the cost and complexity of traditional banking and cutting down intermediation costs.

What are Prime Consumer Notes?

Prime Consumer Notes are fixed-income investments that generate monthly cash flow in the form of payments of principal and interest. Generally, investors choose to invest in hundreds or thousands of Notes to diversify and benefit from more consistent performance. Notes are graded A1 through G5 and carry an interest rate commensurate with their risks, so you can build a portfolio that fits your investment objectives.

Risk Vs. Return by Loan Grade

Quality Borrowers.

We approve loan applications based on stringent credit criteria designed to focus on the most creditworthy borrowers. The majority of our members use the loans to pay off high interest rate loans, most often credit card debt.

As of March 31, 2014, the average Lending Club borrower shows the following characteristics:

  • 700 FICO score
  • 16.6% debt-to-income ratio (excluding mortgage)
  • 15.5 years of credit history
  • $72,298 personal income (top 10% of US population) 1
  • Average Loan Size: $13,913

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Solid Returns.

Lending Club Notes have Historical Returns by Grade A-C of 4.77% to 8.24% 2. You can choose the grade or grades that fit your investment goals.

Monthly Cash Flow.

Investors receive monthly cash payments of principal and interest. For example, if you invested $100,000 in 36-month, grade C Notes providing an aggregate 8.5% net annualized return, you would receive approximately $3,150 each month in cash payments to reinvest or withdraw.

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Who invests at Lending Club?

As of March 31, 2014, over 72,428 investment accounts have funded nearly $4,034,212,800 in loans and received over $377,095,100 in interest payments. On average, as of March 31, 2014, investment accounts have grown by 3 to 4 times year after year as investors expand their portfolio with Prime Consumer Notes. Lending Club has attracted many types of investors, from professional fixed income investors like family offices and insurance companies to individuals saving for retirement, with accounts ranging from a few thousand to millions of dollars.

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1 US Census Bureau, 2008

2 Data current as of April 1, 2014, Historical Returns represent the adjusted net annualized returns (Adjusted NAR) of Notes with Grades A through C that were originated 12 months or more before the calculation date. Adjusted NAR is calculated using the formula described here. Adjusted NAR is based on monthly borrower payments actually received net of Lending Club’s service fees, actual charge offs, recoveries, and adjustment for estimated future losses. To estimate future losses, we apply a loss rate estimate to the outstanding principal of any loans that are past-due but not charged off. The loss rate estimate is based on historical charge off rates by loan status over a 9-month period. Historical Returns are not a promise of future results. Lending Club Notes are not insured or guaranteed and investors may have negative returns. Individual portfolio results may be impacted by, among other things, the diversity of the portfolio, exposure to any single Note or group of Notes, as well as macroeconomic conditions. Notes are offered by prospectus filed with the SEC and you should review the risks and uncertainties described in the prospectus prior to investing in the Notes.

Financial Innovation

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

Featured Borrower


"My loan was 100% funded within 12 hours, and I had funds in my account within 4 days. It was ridiculously fast..."