Start Investing
Start Investing

Your friend invited you to join the club.

Earn up to a $700* investment credit.

See offer details ≫

Start Investing

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

testimonial_image_1.png

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

  • testimonial_image_1.png

    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

  • testimonial_image_2.png

    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

  • testimonial_image_3.png

    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

Start Investing

Everyone has their own money story.

Learn more about our borrowers here »

Checking your rate generates a soft credit inquiry, which is visible only to you. A hard credit inquiry that may affect your credit score only appears when your loan is issued.

LendingClub Notes are not FDIC insured • not guaranteed • may lose value

LendingClub Member Payment Dependent Notes (Notes) are offered by prospectus. Investors should review the risks and uncertainties described in the prospectus carefully prior to investing. Historical performance is not a guarantee of future results and investors may lose some or all of the principal invested. LendingClub does not provide investment, tax, or legal advice. You should consult your legal, tax, and/or investment professional prior to making any financial or investment decision. While returns are dependent upon borrower payments of principal and interest, Note holders do not have a security interest in the corresponding loans or loan proceeds. Notes are unsecured obligations of LendingClub. Returns may be impacted by, among other things, the number and attributes of Notes owned, as well as macroeconomic and other conditions.