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Investors have invested over $28 Billion through Lending Club.

Investments in Lending Club Notes can provide:

Low Volatility
Monthly Cash Flow
Solid Returns

Historical Returns by Grade A-C of 4.87% to 6.74%¹

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Get a $75 cash bonus on an initial investment of $5,000 or more.²

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Solid Returns

Lending Club Notes have Historical Returns by Grade A-C of 4.87% to 6.74%.¹ You can choose the grade or grades that fit your investment goals.

Monthly Cash Flow

As borrowers make principal and interest payments each month, the funds are distributed to investors and are available for investors to reinvest or withdraw at any time. For example, if an investor made a $100,000 one time investment in 36-month, grade C Notes providing an aggregate 5% net annualized return, they would receive approximately $3,018 each month in cash payments to reinvest or withdraw.³

Easy to Diversify

Instead of investing in an entire loan, you can invest in fractions of loans in $25 increments. Each fraction of a loan is called a Note. Notes come in 36- or 60-month terms, depending on the term of the corresponding loan.

By purchasing many small Notes of equal size that correspond to different borrowers loans, you can diversify your portfolio and reduce the impact of any single loan loss.³

97%Positive returns

With just $2,500 you can spread your investment across 100 Notes. 97% of investors that own 100+ Notes of relatively equal size have seen positive returns.³

Learn more about diversification.

Loan Grades: Risk and Reward

Lending Club assigns a grade (from A to G) to each loan based on the credit quality and underlying risk of the borrower.

The lowest interest rates are assigned to the least risky grades, which reflect the potentially lower loss rates (lower rate of charged off loans) and lower volatility in returns.⁴

Reward and Risk

Notes offered by prospectus filed with the SEC. This information should not be considered investment advice. Past performance is no guarantee of future results. Consider reviewing the prospectus with a financial advisor prior to investing. Information presented for illustrative purposes only and is not a report of actual performance of an identified portfolio of Notes.

Quality Borrowers

Applications are approved based on stringent credit criteria designed to focus on the most creditworthy borrowers. As of June 30, 2017, the majority of our members use the loans to pay off high interest rate loans, most often credit card balances. The average interest rate on credit cards is over 17.55%.⁵

As of June 30, 2017, the average Lending Club borrower shows the following characteristics:

699 FICO score
18.30% debt-to-income ratio (excluding mortgage)
16.5 years of credit history
$77,908 personal income (top 10% of US population)⁶
Average Loan Size: $14,736

Getting started right away

Open an Account

Get a $75 cash bonus on an initial investment of $5,000 or more.²

Learn More

Choose the right account for you

Individual account

An account just for you.

Joint account

An account for two or more individuals holding joint interests.

Trust account

An account in the name of a trust, with a trustee controlling the assets on behalf of a specified beneficiary or beneficiaries.

Corporate account

An account in the name of an entity that can be controlled by any designated representative(s).

Custodial/Minors account

Includes Uniform Transfers to Minors Act (UTMA) and Uniform Gifts to Minors Act (UGMA) accounts.

We also offer:

401(k) Rollovers
IRA Transfers
Traditional Retirement Accounts
ROTH Retirement Accounts
SEP Accounts
SIMPLE Accounts

Getting started right away

Open an Account

Get a $75 cash bonus on an initial investment of $5,000 or more.²

Learn More

¹ 4.87% - 6.74% average historical returns for loan grades A through C as of June 30, 2017. To be included in the historical returns ("Historical Returns") calculation, a Note must have been originated prior to December 31, 2015. Historical Returns are Lending Club's adjusted net annualized returns ("Adjusted NAR") for Notes with Grades A through C. Adjusted NAR is calculated using the formula described here. Historical returns are based on actual borrower payments received each month, net of fees, actual charge offs, recoveries, and estimated future losses. To estimate future losses, we apply a charge-off rate estimate to the outstanding principal of any loans that are past-due but not charged off. The charge-off rate estimate is based on historical charge-off rates by loan status over a 9-month period. Historical performance is not a guarantee of future results. Lending Club Notes are not insured or guaranteed and investors may have negative returns. Individual portfolio results may be impacted by, among other things, the size and diversity of the portfolio, the exposure to any single Note, borrower or group of Notes or borrowers, as well as macroeconomic conditions. Notes are offered by prospectus filed with the SEC and investors should review the risks and uncertainties described in the prospectus prior to investing in the Notes.

² To be eligible for this bonus, you must: 1) use the link provided in this email to open a Lending Club investing account, 2) transfer funds to your account, and 3) invest $5,000 or more through the Lending Club platform within 90 days of opening the account. Bonuses can be used solely for investing through the Lending Club platform and will not be available for withdrawal or transfer from the account to which they are credited. A bonus will be awarded as an account credit within 120 days of the opening of each eligible account. Bonuses may be subject to U.S. withholding taxes and any taxes related to the bonus are your responsibility. "Invest" means that the funds are used to purchase Notes through the Lending Club platform. Funds invested through the Folio Investing Note Trading Platform* will not be considered in determining eligibility for this offer. Existing accounts are not eligible for this offer. One bonus per account. Lending Club may discontinue the bonus program at any time without notice. Lending Club does not provide investment, tax or legal advice, and the information presented here is not intended to be investment, tax or legal advice. You should consult your financial or tax advisor if you have any questions or need additional information.

³ This information is not intended to be investment advice. Lending Club Notes are not guaranteed or insured, and investors may lose some or all of the principal invested. Notes are offered by prospectus filed with the SEC and you should review the risks and uncertainties described in the prospectus prior to investing. You should consult your financial advisor if you have any questions or need additional information. Actual results may vary.

⁴ Historical performance is not a guarantee of future results. Lending Club Notes are not guaranteed or insured, and investors may lose some or all of the principal invested.

⁵ As of June 2017. IndexCreditCards.com

⁶ 2010 Population survey

^* Folio Investments, Inc. ("Folio Investing") is a registered broker-dealer and member of FINRA and SIPC and operates the Note Trading Platform. Folio Investing is based in McLean, VA and is not affiliated with Lending Club. Folio Investing has no role in the original issuance of the Notes and is not responsible for and does not approve, endorse, review, recommend or guarantee the Notes or the accuracy, reliability, or completeness of any data or information about the Notes. More information about Folio Investing is available at www.folioinvesting.com.