What is the process to begin investing?


1. Open an account and transfer funds.

To begin investing at LendingClub, you must open an investing account at lendingclub.com. Whether you want to invest as an individual, a corporation, for a minor, or through a joint or trust account, we offer an account type to fit your needs. Open an account today
Learn more about the requirements to become an investor.
It is easy to transfer money to your LendingClub account from a bank account.  

2. Build your portfolio.

Instead of investing in an entire loan, you can invest in pieces of loans in $25 increments.  When you invest in a piece of a loan, LendingClub will issue you a Note in the amount of your investment with a stated interest rate.  Investors may choose to spread their investment across hundreds or even thousands of loans in order to create a diversified portfolio. Learn more about what LendingClub is offering as an investment.

Using loan grades or other selection criteria, you can balance the risks and returns of your investments and build a portfolio that suits your goals. In addition to loan grade, you can choose the term length (3 or 5 years), loan purpose, borrower location, and any other available criteria.

There are several methods for building your portfolio. You may use the Browse Loans feature to manually review and select loans currently available on the platform and build your portfolio Note by Note. You may also qualify to use LendingClub’s Automated Investing service, an automated investing tool driven by investment criteria that you select.  You can change your investment criteria and pause or cancel Automated Investing at any time

Currently, there is no minimum balance on standard investing accounts.* Investors may invest as little as $25 in a loan facilitated by LendingClub. Keep in mind that diversification—spreading investments evenly across many Notes—may result in more stable returns.

3. Receive monthly payments of principal and interest.

LendingClub makes monthly principal and interest payments to investors as borrowers make payments on their loans. Your portion of each borrower payment net of LendingClub’s service fee is automatically credited to your account as it is received by LendingClub. Accounts that hold multiple Notes may receive multiple borrower payments on any given day. 

4. Reinvest or withdraw funds.

It is easy to reinvest the cash you receive from monthly payments using Automated Investing or by manually placing orders for new Notes.

You may withdraw your available cash at any time by scheduling a transfer to your bank account.


The information presented here is for informational purposes only and is not intended to be investment advice, guidance, or a guarantee of the performance of any Note or portfolio.

* Account minimums may apply for other types of accounts.