Banks and LendingClub

Banks of any size can potentially earn competitive returns and offer customers access to LendingClub products.

We began partnering with banks in 2014 to enable them to both purchase loans directly through the LendingClub platform or offer LendingClub products to their customers.

Banks ranging in total assets of less than $100 million to more than $100 billion—have taken advantage of our partnership program. At 33%, banks represent one of the largest share of our investor base.

Investor Distribution

  • Banks

  • Self-Directed Retail

  • Managed Accounts

  • LendingClub *

  • Other Institutional

Source: LendingClub, as of Q4 2020

Bank partnership options

Purchase Only

Purchase LendingClub loans that meet your bank’s credit criteria to potentially generate competitive returns.

Joint Marketing

Co-brand LendingClub’s loan application and offer it to your customer base to digitalize your customer experience.

Community Banks

LendingClub offers solutions for banks of all sizes, from those serving their local communities to global banking institutions.

Learn more

Complement the strengths of your bank

Enhance Customer Relationships

Leverage our national scale, marketing, regulatory, and fraud detection capabilities while engaging with your customers


Broaden your investment offerings by easily and efficiently building an investment portfolio tied to auto, consumer, or small business loans

No Set Minimum Commitment

Begin with a pilot program of any size, then scale as you wish

Limit Expenses

Our digitalized loan funding, servicing, borrower application and underwriting processes undercut otherwise steep operational costs

Investing in consumer credit with LendingClub

Our product suite allows you to offer your customers a variety of options*

Personal Loans


FICO Minimum


Weighted Avg.


Annual Income*


Loan Size

$1k — 40k

Avg. Loan Size


Interest Rate Range

8.46 — 20.74%


3 or 5 yrs

Typical Use Cases

Refinancing, new large purchases, debt consolidation



FICO Minimum


Weighted Avg.


Annual Income*


Loan Size

$5k — 50k

Avg. Loan Size


Interest Rate Range

3.99 — 19.99%



Typical Use Cases

Auto refinancing

Bank partnership team

Ryan Chernis

Ryan Chernis

Sr. Director, Business Development

Experience: KBW, Stifel Financial, NYU M.Sc Real Estate Finance

Learn more about LendingClub’s marketplace: Contact Us or visit Loan Statistics.