9.6% Net Annualized Return

A More Efficient Model
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Lending Club Notes have average net annualized returns of 9.6%. Notes are offered by prospectus filed with the SEC.

  • $0 to open
  • No maintenance fees
  • $25 minimum investment

Why should banks make all the money?

Lending Club cuts out the middleman allowing investors to easily build a portfolio of Notes that represent loans to creditworthy borrowers.

With an average FICO of 713, our borrowers are rewarded with competitive rates, while our investors are rewarded with the opportunity for higher returns.

Live Investor Forum

Thursday Sep 3rd at 3:30 pm EST (12:30 pm PST)

In just 30 minutes, Lending Club�s Live Investor Forum will help you become a smarter investor

  • Get insights on risk management and diversification
  • See examples of investment strategies
  • Understand the different approaches to peer investing

You'll have the chance to ask questions online and learn more about upcoming offers and developments

Financial Innovation

If the financial markets were as open as Lending Club... the combined efforts and innovations of all investors would make the system as a whole more secure.


Featured Borrower


"The application process was simple, and it was neat to watch the process as people invested in my loan."