Access consumer credit

Unlock a new asset. Invest in people.

Competitive Returns
A fixed-income alternative, with historical returns of 3–8% per year.* Learn more
Invest with Purpose
Invest while building brighter futures for personal loan borrowers. Learn more
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Portfolio Diversifier
99% of portfolios with 100+ Notes have seen positive returns.* Learn more

Discover a new way to invest

Historically, only banks and large institutions could invest in consumer credit. With LendingClub, you can get new access to an asset class that institutions have enjoyed for decades, diversify your portfolio, and potentially earn competitive returns.

One loan
Notes are assets that correspond to fractions of loans, in amounts as low as $25
Many notes
Diversify your LendingClub portfolio by purchasing Notes that correspond to different loans and borrowers
Your notes

How investing works

Here’s how to get started with LendingClub.

1. Open an account

Opening an account is quick and easy. Choose from a regular investment account or a retirement account.

Learn more about account types

2. Pick a strategy

Automate investments based on a pre-selected strategy, or browse loans and purchase Notes manually.

Learn more about strategies

3. Fund the account

Link a bank account and transfer as little as $1,000 to a LendingClub account by ACH, wire, or check. We deposit investment earnings back into the same bank account.

Account options

LendingClub offers multiple account options for investors.

Individual accounts
Get started as an investor with a standard individual investment account. This is our most popular account type.
Retirement Accounts*
Traditional IRA
Investors can make tax-deductible contributions up to the statutory contribution limit with a Traditional IRA. Investments can grow tax-free and are taxed upon distribution. Plus, for many investors, we’ll cover the annual fees.
Roth IRA
Roth IRAs can offer tax-free growth and distributions, but the contributions to a Roth IRA are not tax-deductible. There is no minimum distribution required for investors over the age of 70 1/2.
401(k) Rollover
Open a LendingClub IRA by transferring funds from a retirement plan established with a previous employer, such as a 401(k) or a 403(b). Our preferred custodian, IRA Services Trust Co. (ISTC) *, offers a fast and easy rollover service.
Other investment account options
Joint account
Investors can open an account with a spouse, partner, or anyone with whom they have joint investment goals.
Trust account
Investors can open an account for a trust, which is owned by the trust with the trustee(s) exercising control of the account.
Corporate account
Corporations and businesses interested in investing through LendingClub can appoint a designated representative to manage a portfolio on their behalf.
Custodial/minor account
Guardians and custodians interested in establishing accounts for minors can take advantage of LendingClub's options for Uniform Transfers to Minors Act (UTMA) and Uniform Gifts to Minors Act (UGMA) accounts.
For these account types, email Investor Services to get started.
888-596-3159 7AM - 5PM PST Mon-Fri

Are you a Financial Advisor? Learn more about how you can add consumer credit to your clients’ portfolios.

Are you an Institutional Investor or a Bank? Learn more about our partnership opportunities.