$18 Billion invested
through Lending Club

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

Solid Returns
5-9%
Lending Club Notes have projected annual returns between 5% and 9%. 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 As borrowers repay their loans, funds are deposited into your account and can be withdrawn or reinvested.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. 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.
  2. Historical performance is not a guarantee of future results. Lending Club Notes are not guaranteed or insured, and investors may lose some or all of the principal invested.
  3. As of March 2016. IndexCreditCards.com
  4. 2010 Population survey
  5. As of March 31, 2016. To be included in the Historical Returns calculation, a Note must have been originated prior to September 30, 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. Adjusted NAR is based on monthly borrower payments actually received net of Lending Club's service fees, actual charge offs, recoveries, and adjustment for 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 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 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 in the Notes.