internet explorer . please upgrade to the latest version for a better experience . upgrade now lending club utilities sign in help view full site personal loans business loans patient solutions investing how it works about us better rates . together . personal loans up to 40 000 personal loans up to 40 000 what is it for credit card refinancing debt consolidation home improvement major purchase home buying car financing green loan business vacation moving and relocation medical expenses other how is your credit excellent 720 good 660 720 fair 600 660 poor 600 not sure respond to mail won t impact your credit score won t impact your credit score safe and secure or learn about investing financial innovation lending club is the world s largest online marketplace connecting borrowers and investors . we re transforming the banking system to make credit more affordable and investing more rewarding . we operate at a lower cost than traditional bank lending programs and pass the savings on to borrowers in the form of lower rates and to investors in the form of solid returns . featured borrower rebecca durham nc pay off credit cards 5 000 at 9.98 % apr the application process was simple and it was neat to watch the process as people invested in my loan . financial innovation the san francisco company which made nearly 100 million last year is hoping to seize on the success of the online lending industry as it grows into a robust alternative to traditional loans and validate the industry as a high tech quicker version of bank lending that is here to stay . see what others are saying about us invest and earn solid returns thousands of investors each month join lending club for solid returns . join now investments in lending club notes can provide low volatility monthly cash flow solid returns historical returns by grade a c of 5.20 % to 8.19 % 3 401 k rollovers and iras available loans funded to date 20 687 488 911 loans funded last quarter 1 955 401 814 statistics as of 06 30 16 view more statistics join now watch video introduction to investing at lending club personal loans for up to 40 000 a variety of personal loan solutions including debt consolidation loans and loans to payoff credit cards . small business loans grow your business with an affordable easy business loan . patient solutions simple and affordable way to finance elective medical and dental procedures . a unique and creative way to get a loan that boasts lower interest rates than most banks and credit card companies . 71 stevenson street suite 300 san francisco ca 94105 usa home about us careers follow us privacy affiliates risks developers agreements prospectus terms of use sec filings statistics view full site 1 all loans made by webbank member fdic . your actual rate depends upon credit score loan amount loan term and credit usage & history . 2 this depiction is a summary of the processes for obtaining a loan or making an investment . all loans made by webbank member fdic equal housing lender . investors do not invest directly in loans . investors purchase member dependent notes from lending club . individual borrowers must be a us citizen or permanent resident and at least 18 years old . valid bank account and social security number fein are required . all loans are subject to credit review and approval . your actual rate depends upon credit score loan amount loan term credit usage and history . lendingclub notes are issued pursuant to a prospectus on file with the sec . you should review the risks and uncertainties described in the prospectus related to your possible investment in the notes . currently only residents of the following states may invest in lending club notes al ar az ca co ct dc de fl ga hi ia id il in ks ky la ma md me mi mn mo ms mt nd ne nh nj nv ny ok or ri sc sd tn tx ut va vt wa wi wv or wy . our mailing address is lending club 71 stevenson suite 300 san francisco ca 94105 . 3 as of july 31 2016 . to be included in the 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 . 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 . copyright 2006 2016 . all rights reserved . equal housing lender nmls 167439 nmls consumer access guest tc unknown home personal loans personal loans customer reviews borrower stories rates & fees repayment process personal loan types consolidate debt pay off credit cards home improvement pool loans car loans financial education personal loan calculator credit score 101 safety & privacy business loans patient solutions investing solid returns getting started building a portfolio education center statistics faqs individual account types investing 401 k rollover & ira financial advisors overview institutional accounts overview bank partnerships additional information prospectus risks trading notes browse loans how it works about us about lending club leadership in the news media center partners investor relations awards 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