Get up to 100,000 miles and earn solid returns*

Solid Returns
A fixed income alternative, with historical returns of 4–6% per year.*
Monthly Income
Get cash each month as borrowers pay back their loans.*
Icons/ Email-white Copy 39
Low Risk
99% of portfolios with 100+ Notes have seen positive returns.*

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.

Build a diversified LendingClub portfolio.

With an investment of $5,000, you can access up to 200 fractionalized loans, allowing you to diversify across many borrowers.

United MileagePlus® members earn more.

Receive one United MileagePlus® award mile for every two dollars you invest through LendingClub up to 100,000 miles for taxable accounts - that's enough for four roundtrip domestic economy Saver Award** tickets. Imagine the places you can go!

LendingClub has been recognized by

Questions? Contact us at or call 844-409-0620 (8 am PT - 5 pm PT)