Unlock a new asset. Invest in people.

 

You like helping people—do it while seeking a competitive return

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You like helping people—do it while seeking a competitive return

LendingClub Notes are securities that correspond to fractions of borrower loans.

Borrowers help grow investors' assets by making monthly payments of both principal and interest.

How peer-to-peer fits within other asset classes »

More detail on LendingClub Notes »

Building your LendingClub portfolio

Building your LendingClub portfolio

Start off on a high Note—build a strategy that works for you

Requirements to become an investor »

1. Choose how much you want to invest

Our minimum is $1,000, or $25 increments of 40 loans. However, additional diversification benefits really start to kick in at $2,500 as 99% of portfolios with 100+ Notes have seen positive returns.*

The benefits of diversification »

1. Choose how much you want to invest

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2. Decide how much risk you want to take

Okay with more risk for a potentially bigger return? Investing in more D or E grade Notes may be for you. Happy with lower returns if that means lower risk? Check out A and B Notes. Want a combo? You can do that too.

Learn about risk and returns »

2. Decide how much risk you want to take

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3. Choose for how long you'll invest your money

Notes correspond to the loans borrowers take out on the other side of the platform, which last 3 or 5 years. You can invest in 3-year term Notes (36 months), 5-year term Notes (60 months), or a combination of both.

See the difference »

3. Choose for how long you'll invest your money

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What to expect from your LendingClub journey

What to expect from your LendingClub journey

How the Math Works—Hypothetical Net Annualized Return*

Average borrower loan interest rate within investor portfolio
14%
Charge-offs and prepayments
-8%
LendingClub fees
-1%
Annualized Net Return
= 5%

Hypothetical. For illustrative purposes only. Investors should review the prospectus carefully and consult with an investment professional prior to investing.

What to expect from your LendingClub journey

Since your returns are correlated to the payments borrowers make on their loans, you'll see activity in your account like payments of principal and interest, prepayments if a borrower pays their loan off early, the LendingClub fee per payment, and, at times, charge-offs when a borrower stops making their payments.

Your net return factors in all the activity associated with your Notes. Investors have earned a historical net return of 3-8%.*

Understanding your net annualized return »

Collections and recovery »

Opening your account

Opening your account

Opening your account

We know you have financial goals, and LendingClub can help you get there. Choose the account type that works for you, and you'll be helping dozens, if not hundreds, or thousands, of borrowers on the other side of the platform.

Learn about LendingClub's account options »

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Invest with purpose

Invest with purpose

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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

Have more questions about investing in Notes?

Have more questions about investing in Notes?

Our investor services team is here to help, contact us at 888-596-3159 or click below to send us an email.

Are you a Financial Advisor? Learn more about how you can add consumer credit to your clients’ portfolios.

Are you an Institutional Investor or a Bank? Learn more about our partnership opportunities.