Important Update: LendingClub Notes platform to retire on December 31, 2020. Learn More
Access consumer credit

Unlock a new asset. Invest in people.

Diversify Your Portfolio

With a minimum of $1,000, diversify your overall investment portfolio with consumer credit exposure, and spread risk across multiple borrower loans within your LendingClub account.

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10+ Year Track Record

LendingClub's Note platform has one of the longest track records in marketplace lending history, serving as a fixed income alternative with low stock market correlation since 2008.

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Get Monthly Payments

Borrowers make monthly payments of both principal and interest. Unlike most fixed income securities, you aren't waiting until maturity to see some of your principal come back.

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How it Works

Notes are securities that correspond to fractions of loans, sold with 3 or 5 year terms and risk grades A-C. Rather than funding the whole loan, you buy Notes corresponding to multiple loans in increments as low as $25. Borrowers then make monthly payments of both principal and interest. Simply put, your net return ends up being the average interest rate corresponding to your Notes portfolio, less losses and fees.*,*,*,*,*

One borrower loan

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Loans are broken up into Notes and put on the investment platform.

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Split into many notes

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Diversify with Notes that correspond to multiple borrowers, grades, and terms.

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Your notes porfolio

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Manage Your Investments on Mobile

Download our free mobile app on iOS or Android to manage your LendingClub investments on the go.
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