BORROW
INVEST
Start Investing
MENU CLOSE
Access consumer credit

Unlock a new asset. Invest in people.

Start Investing
Start Investing

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.

Learn more

4-7% Historical Returns*

LendingClub's Note platform has delivered 4-7% historical returns, low correlation to the stock market, and new consumer access to a fixed-income alternative.

Learn more

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.

Learn more
Start Investing
Learn more about account types

How it Works

Notes are securities that correspond to fractions of loans, sold with 3 or 5 year terms and risk grades A-D. 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

arrow separator

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

arrow separator

Split into many notes

arrow separator

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

arrow separator

Your notes porfolio

Start Investing

Manage Your Investments on Mobile

Download our free mobile app on iOS or Android to manage your LendingClub investments on the go.
Google Play store
App Store

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.