Investing at scale with LendingClub

LendingClub facilitates billions in loans each year, offering institutional investors an 12-year track record, the largest data set in the marketplace lending industry, sophisticated risk management, and easy-to-use tools to build and modify loan portfolios. By offering a diverse set of investment vehicles and products, LendingClub gives institutions of all kinds the ability to invest at scale, putting millions of dollars to work every month.

Our dedicated Institutional Team has a wide range of investment management and trading experience and is here to help you navigate the marketplace lending investment process.

We offer professional investors access to a varied consumer credit product suite.*

Personal Loans

Prime

FICO
Minimum

660+

Weighted Avg.
FICO*

705

Annual
Income*

$84,523

Loan Size

$1k — 40k

Avg. Loan Size

$15,364

Interest Rate Range

8.46 — 20.74%

Term

3 or 5 yrs

Typical Use Cases

Refinancing, new large purchases, debt consolidation

Near Prime*

FICO
Range

600 — 659

Weighted Avg.
FICO*

640

Annual
Income*

$69,082

Loan Size

$1k — 25k

Avg. Loan Size

$8,412

Interest Rate Range

15.54 — 30.99%

Term

3 or 5 yrs

Typical Use Cases

Refinancing, debt consolidation

Auto*

Prime

FICO
Minimum

640+

Weighted Avg.
FICO*

741

Annual
Income*

$93,241

Loan Size

$5k — 50k

Avg. Loan Size

$21,746

Interest Rate Range

3.99 — 19.99%

Term

24 — 72 mos

Typical Use Cases

Auto refinancing

Near Prime

FICO
Range

520 — 639

Weighted Avg.
FICO*

670

Annual
Income*

$79,959

Loan Size

$10k — 50k

Avg. Loan Size

$19,361

Interest Rate Range

6.99 — 24.99%

Term

36 — 72 mos

Typical Use Cases

Auto refinancing

Purchase Finance**

Installment Loans

FICO
Minimum

620+

Weighted Avg.
FICO*

749

Gross Annual
Household Income*

$135,279

Loan Size

$2k — 50k

Avg. Loan Size

$19,450

Interest Rate Range

3.99 — 24.99%

Term

24, 36, 48, 60, 72, 84

Typical Use Cases

Payment plans for elective medical, k-12 tuition, tutoring

Securitization Program

Learn about LendingClub sponsored securitizations, backed by loans facilitated through our platform.

Learn more

CLUB Certificates

Qualified institutional buyers can purchase CLUB Certificates—pass-through securities with CUSIP numbers backed by LendingClub prime or near prime personal loans. Investors can trade the certificates over the counter by clearing through The Depository Trust & Clearing Corporation.

Learn more

Institutional investor team

Valerie Kay

Valerie Kay

Chief Capital Officer

Experience: Morgan Stanley, Prudential Financial

Doug Lambert

Doug Lambert

Vice President, Capital Markets Group

Experience: MUFG, Alliance Partners, SFRi LLC, Morgan Stanley, Citigroup

Jeff Andrews

Jeff Andrews

Vice President, Strategic Partnerships

Experience: Andrews Partners, UBS, PaineWebber

Richard Loggins

Richard Loggins

Vice President, Institutional Sales

Experience: Sonoma Creek Capital, Goldman Sachs

John Steward

John Steward

Vice President, Institutional Sales

Experience: Builder’s Bank, Action Investment Real Estate, Marcus & Millichap, Total Access, Inc.

Ryan Chernis

Ryan Chernis

Sr. Director, Business Development

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

Matthew Straus, CFA

Matthew Straus, CFA

Capital Markets Director

Experience: Synthetic Lending Marketplace, Marinus Capital, PwC

Azhda Osman

Azhda Osman

Institutional Client Manager

Experience: Millennium Trust Company, TCF Bank

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