Choosing an investment strategy
Each loan has a grade (A–G) that reflects LendingClub’s assessment of the credit risk of the corresponding loan. Higher-grade loans have lower interest rates and a lower expected risk of default, while lower-grade loans have higher interest rates and a higher expected risk of default.
Investors can use loan grades, along with other criteria, to build a portfolio of Notes that matches their risk tolerance and investment objectives.*
Average historical returns by grade*
Investors can choose a pre-set strategy that matches their risk profile or create a custom strategy.
A & B weighted
Broad-based investment with emphasis on A and B grades. This mix has historically seen a lower projected return and expected charge-off rate than the overall platform.*
Broad-based investment mix with emphasis on grades D through G. This mix has historically seen a higher projected return and expected charge-off rate than the overall platform.*
Broad-based investment spread across all Note grades—A through G—and allocated according to LendingClub’s historical inventory of each grade. This mix has historically featured a projected return and an expected charge off rate roughly in line with the overall platform.*
Investors can select their own custom mix of Notes by grade and can customize their allocation across Note grades based on projected return, historical returns, expected charge off rates, or other variables.*
Browse available loans on the platform and select Notes to purchase. Compare loan details such as grade or subgrade, loan purpose, interest rate, and borrower information.
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