Lending Club

A smarter way to invest and borrow.

How Peer Lending Works

  1. Borrowers apply for loans.
    Investors open an account.
  2. Borrowers get funded.
    Investors build a portfolio.
  3. Borrowers repay automatically.
    Investors earn & reinvest.

We bring you a more efficient model.

By allowing our members to directly invest in and borrow from each other, we avoid the cost and complexity of the banking system and pass the savings on to you. Both sides can win: better rates to borrowers and better returns to investors. It's that simple.

Better for Borrowers

We cut the cost and complexities of traditional bank loans and pass the savings on to borrowers.
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Better for Investors

At Lending Club you can build a diversified portfolio of Notes and earn solid returns.1
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Investor Returns

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Your privacy is protected.

Lending Club strongly protects your personal and financial information. Investors and borrowers never know each other's identities; we will never sell, rent or otherwise distribute your information; and we only share what's necessary to complete your requested transactions. See our Privacy Policy for full details.

We're committed to transparency.

We are proud to share information about our company and give you straight answers to all your questions. Whether you want more information about Lending Club and its management team, the borrowing and investing process, news and updates, or help with specific issues, we'll get you the information you need.

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1 As of May 24, 2013, over 99% of investors with 100 or more Notes and with no single Note accounting for more than 2.5% of their total investment, have positive returns. To meet this criteria you would need to invest a minimum of $2,500 and none of the Notes could be greater than 2.5% of your total investment. The foregoing is not directed to the specific investment objectives, financial situation or investment needs of any particular person and should not be considered investment advice. You should consider reviewing the prospectus with a financial advisor prior to investing. Past performance is no guarantee of future results.

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Latest Stats

as of quarter ending 03/31/14

Loans funded through last quarter:


Loans funded last quarter:


Interest paid to investors:


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... lending money at a lower rate than most credit cards and returning more money to lenders...

Financial Times

Featured Borrower


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