Thousands of investors a month are turning to Lending Club for solid returns.

Investments in Lending Club Notes can provide:

  • Low Volatility
  • Monthly Cash Flow
  • Solid Returns

Historical Returns by Grade A-C of 5.19% to 8.88%1

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Get a $100 cash bonus on an initial investment of $10,000 or more.2

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Solid Returns

Lending Club Notes have Historical Returns by Grade A-C of 5.19% to 8.88%.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 B Notes providing an aggregate 6.0% net annualized return, they would receive approximately $3,035 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

99.9%Positive returns

With just $2,500 you can spread your investment across 100 Notes. 99.9% 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, 2015, 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 17.53%.5

As of June 30, 2015, the average Lending Club borrower shows the following characteristics:

  • 699 FICO score
  • 17.7% debt-to-income ratio (excluding mortgage)
  • 16.2 years of credit history
  • $73,945 personal income (top 10% of US population)6
  • Average Loan Size: $14,553

Getting started right away

Open an Account

Get a $100 cash bonus on an initial investment of $10,000 or more.2

Learn More

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 $100 cash bonus on an initial investment of $10,000 or more.2

Learn More