$20 Billion invested
through Lending Club

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You can easily build a diversified portfolio that can offer these benefits

Solid Returns
5-8%
Lending Club Notes have projected annual returns between 5% and 8%. Each Note represents a fraction of an underlying loan.1
Low Volatility
99.8%
99.8% of investors who invest in 100+ Notes with different underlying borrowers have seen positive returns.2
Monthly Cash Flow
3-6%
Investors receive between 3-6% of their total investment back in cash payments as borrowers make their monthly loan payments.3

How it works for investors

  1. Potential borrowers submit loan applications through Lending Club and Lending Club begins the screening process.
  2. If approved, each loan is assigned a Grade between A and G based on borrower credit quality and underlying risk.
  3. As an investor, you can then select and invest in Notes which correspond to fractions of these loans. By investing in at least 100 different Notes with different underlying borrowers, you may able to diversify your portfolio.4
  4. As borrowers repay their loans, funds are deposited into your account and can be withdrawn or reinvested.

See the process in more detail

Video: One Minute Overview
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Video: One Minute Overview
Lending Club offers both Investment and Retirement Accounts

What makes Lending Club unique:

Diversification
Diversification
Lending Club Notes are a distinct form of investment as compared to stocks, ETFs, or mutual funds. They can provide additional diversification for your overall portfolio4.
Flexibility
Flexibility
Choose an investment style that suits you. With Automated Investing, our system scans the available inventory up to four times a day to attempt to find Notes that match your criteria5. Or you can manually browse and purchase Notes.
Credibility
Credibility
Lending Club values transparency and integrity. Investors, including many of the world's most sophisticated, have invested a total of $18 billion through Lending Club, making it the largest online credit marketplace.
  1. 1 5.20% - 8.19% solid returns as of July 31, 2016. To be included in the historical returns ("Historical Returns") calculation, a Note must have been originated prior to December 31, 2014. 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. It is 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 loss rate estimate to the outstanding principal of any loans that are past-due but not charged off. The loss rate estimate is based on historical charge off rates by loan status over a 9-month period. Historical Returns are not intended as a promise 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 you should review the risks and uncertainties described in the prospectus prior to investing in the Notes.
  2. 2 As of July 1, 2016. Based on adjusted net annualized return (Adjusted NAR) of current investors with a portfolio containing 100+ Notes, none of which have been purchased or sold on the Folio Investing Note Trading Platform*, where the portfolio concentration is one percent or less (i.e. no Note constitutes greater than one percent of the total portfolio value) and the portfolio has a weighted average age of at least 12 months (weighted based on the dollar value of each Note relative to the total dollar value of the portfolio, where the age of each Note is measured as of the purchase date of such Note). Adjusted NAR is calculated using the formula described here. This information is not intended to be investment advice. Historical performance is not a guarantee of future results. Actual results may differ materially from historical data. Lending Club Notes are not guaranteed or insured, and investors may lose some or all of the principal invested. Individual portfolio results may be impacted by, among other things, the size and diversity of the portfolio, exposure to any single Note, Borrower, or group of Notes or Borrowers, as well as macroeconomic conditions.
    *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. See the Important Disclosures page for additional important information. More information about Folio Investing is available at www.folioinvesting.com
  3. 3 The 2.9% ‐ 5.7% Monthly Cash Flow is based on the 10‐90th percentiles of retail investors' total monthly proceeds (scheduled principal & interest and additional payments, net of any charged off loans and fees) divided by the two‐month trailing average account value that retail investors with at least $2,500 outstanding investment balances each month have experienced for the trailing twelve‐month period ending June 30, 2016. Individual results may vary based on grade and term composition of your investment strategy. Historical performance is not a guarantee of future results. 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. 4 This information is not intended to be investment, tax or legal advice. Lending Club Notes are not guaranteed or insured, and investors may lose some or all of the principal invested. Individual portfolio results may be impacted by, among other things, the diversity of the portfolio, exposure to any single Note or group of Notes, as well as macroeconomic conditions. 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, tax or legal advisor if you have any questions or need additional information. Actual results may vary.
  5. 5 Automated Investing will attempt to place orders on your behalf up to four times per day as new loans are listed, with the goal of deploying the cash in your account as quickly as possible in accordance with your investment criteria. The frequency of orders placed by Automated Investing is based on the cash balance of your account, availability of loan inventory matching your investment criteria, and demand from other investors. The cash in your account may be deployed immediately or over a long period of time, and there may be weeks when many orders are placed and weeks when no orders are placed. It is your responsibility to ensure that your investment criteria are consistent with your financial situation, risk tolerance, and investment objectives at all times.