A More Efficient Model | LendingClub

A More Efficient Model

Both Investors and Borrowers Benefit.

We're streamlining a centuries-old concept: Banking.

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.

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800 Notes

Diversification can lead to more solid returns.

Every single investor with 800 or more Notes has experienced positive returns, while 91.06% have returns between 6% and 18% as of September 15, 2011. You can purchase 800 Notes with a minimum investment of $20,000.

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1 Average instant approval credit card APR as of October 15, 2010. Source: Creditcard.com

2 Banks' cost of capital based on national average 3-year CD rate as of October 15, 2010. Source: Bankrate.com

3 Based on Net Annualized Returns from June 2007 (first loan origination) to October 15, 2010.

Lending Club Notes are offered pursuant to a prospectus filed with the Securities and Exchange Commission. Investor members should read the description of the Notes and the risks associated with making an investment, as well as the other information about us and our platform in the prospectus.

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Latest Company Stats

as of quarter ending 09/30/16

Loans funded through last quarter:


Loans funded last quarter:


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Financial Innovation

Lending Club’s $5.4 billion initial public offering on the New York Stock Exchange is more than just the largest IPO for a U.S.-based tech company this year, it’s also planting the flag for an entire ecosystem of startup companies engaged in overturning the ways in which the world deals with money.

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Featured Borrower


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