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Lenders can fund borrowers selected for their good credit by creating and managing diversified investment portfolios.

Borrowers with good credit can borrow at interest rates they find attractive compared to banks and credit cards.

Social Lending - How it Works

Lending Club is a social lending network. Borrowers with good credit can get personal loans at interest rates they find more attractive than those available from conventional funding sources such as banks and credit cards, taking advantage of a streamlined process between the source of funds (lenders) and the borrowers who need those funds.

Lenders get an opportunity to fund specific borrowers by investing in Notes we issue that correspond to specific borrower loans. The stated interest rates on Notes range from 6.69% to 19.37%