Your friend invited you to join the club.

Earn up to a $700* investment credit.

See offer details ≫

Potential for Competitive Returns

4-8% historical returns*

Portfolio Diversifier

Take your investment beyond stocks and bonds

How investing at LendingClub works

How investing at LendingClub works

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How investing at LendingClub works

  • Choose how much to invest: With just $1,000 to get started, you can easily spread your risk across multiple borrower loans by purchasing Notes in $25 increments. Of investors who've purchased 100+ Notes, 99% have seen positive returns.*
  • Determine your risk tolerance: Notes are assigned grades A-E* based on the borrower's credit profile. A-grade Notes are typically considered relatively lower risk than E-grade Notes.
  • Decide how long to hold your investment: Since Notes correspond to borrowers' loans, your investment time frame will correspond to the term of the loans, either 36 or 60 months.

How to earn your investment credit

How to earn your investment credit

  1. Open an account through this webpage. You can choose between a standard taxable or retirement account.
  2. Deposit and invest your money within 90 days of opening your account.
  3. Earn an investment credit* based on how much you invested and your account type.
Your
Investment
Credit for a taxable accountCredit for a retirement account
$2,500-$5,499
$25
$0
$5,500-$12,499
$50
$50
$12,500-$24,999
$100
$100
$25,000-$49,999
$200
$200
$50,000-$99,999
$400
$400
$100,000+
$700
$700

How peer-to-peer lending helps people

How peer-to-peer lending helps people

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Paid off medical bills


“Before I got hurt I made very good money. My credit card didn't have anything on it. I just kept that in case something serious happened. Once the medical bills started coming in, it was just overwhelming. Once the loan came through from LendingClub it was like God, thank you, I can breathe again. It freed up the money I needed to move forward.”
—Shundon

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Lowered monthly payments


“I use my credit cards as a tool to pay my old debts which is basically my student loans and those loans related to growing my family. The loan from LendingClub allows me to maximize my finances by paying less interest on the debt that I have. Therefore, I can enjoy more of the things that we need for our daily life.”
—Jaime

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Consolidated debt


“The initial loan with LendingClub was to get Lilly's braces. Michelle and I wanted to take the next step into blending our families. We found out about our new baby. I applied for the loan, and the money was in my bank account within 3 or 4 days. I'm in escrow for our big beautiful house right now. It's perfect for us, really.”
—Mitchell