Lending Club | Start Investing

Investors have invested over $47 Billion through LendingClub.

Investments in Lending Club Notes can provide:

Low Volatility
Monthly Cash Flow
Solid Returns

Historical Returns by Grade A–E of 4.83% – 6.37%¹

Solid Returns

Lending Club Notes have Historical Returns by Grade A–E of 4.83% to 6.37%¹. You can choose the grade or grades that fit your investment goals.

Monthly Cash Flow.

Investors receive monthly cash payments of principal and interest. For example, if you invested $100,000 in 36-month, grade C Notes providing an aggregate 5.6% net annualized return, you would receive approximately $3,018 each month in cash payments to reinvest or withdraw².

What are Prime Consumer Notes?

Prime Consumer Notes are fixed-income investments that generate monthly cash flow in the form of payments of principal and interest. Many investors choose to invest in hundreds or thousands of Notes to diversify their portfolios and manage investment risk. Notes are graded A1 through G5 and carry an interest rate commensurate with their risks, so you can build a portfolio that fits your investment objectives.

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Quality Borrowers.

We approve fewer than 10% of all loan applicants, based on stringent credit criteria designed to focus on the most creditworthy borrowers. The majority of our members request their loans to pay off high interest rate loans, most often credit card debt. The average interest rate on credit cards is over 17.55%. ^null

As of September 30, 2020, the average Lending Club borrower shows the following characteristics:

703 FICO score
18.20% debt-to-income ratio (excluding mortgage)
16.4 years of credit history
$82,072 personal income (top 10% of US population) ^null
Average Loan Size: $15,121

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Notes offered by prospectus filed with the SEC. This information should not be considered investment advice. Past performance is no guarantee of future results. Consider reviewing the prospectus with a financial advisor prior to investing. Information presented for illustrative purposes only and is not a report of actual performance of an identified portfolio of Notes.

Choose the right account for you.

Individual account An account just for you.
Joint account An account for two or more individuals holding joint interests.
Trust account An account in the name of a trust, with a trustee controlling the assets on behalf of a specified beneficiary or beneficiaries.
Corporate account An account in the name of an entity that can be controlled by any designated representative(s).
Custodial/Minors account Includes Uniform Transfers to Minors Act (UTMA) and Uniform Gifts to Minors Act (UGMA) accounts.

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We also offer:

401(k) Rollovers
IRA Transfers
Traditional Retirement Accounts
SEP
Self Employed Retirement Accounts
SIMPLE
ROTH Retirement Accounts

"We can get better returns by going into products like the one offered by LendingClub."
- Stephan Clulow, Thomvest

"much lower than the risk of investing in a diversified portfolio of stocks"
- Felix Salmon

Who invests with Lending Club?

As of September 30, 2020, over 158,245 investment accounts have funded nearly $11,167,217,348 in loans. Lending Club has attracted many types of investors, from professional fixed income investors like family offices and insurance companies to individuals saving for retirement, with accounts ranging up to millions of dollars.

Data current as of September 30, 2020. To be included in the Historical Returns calculation, a Note must have been originated prior to March 31, 2018. Historical Returns represent the adjusted net annualized returns (Adjusted NAR) of Notes with Grades A through C that were originated 18 months or more before the calculation date. 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.
US Census Bureau, 2008

Information on this website 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.