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How LendingClub works


Investors purchase Notes corresponding to different loans, grades, and terms, then receive monthly principal and interest payments as borrowers pay off their loans.


LendingClub diligently screens borrowers, assesses risk, and assigns grades to the corresponding Notes made available to investors on the platform.


Borrowers take out 3- or 5-year loans to consolidate debt and improve their financial fitness. LendingClub facilitates the transaction and services the loans.*

LendingClub has been recognized by

Questions? Contact us at or 888-596-3159.