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Invest Or Borrow Online

The Lending Club allows you personal loans up to $40,000. The website connects borrowers with investors through their online marketplace. The Lending Club screens borrowers, facilitates the transaction and services the loans.


In exchange for competitive returns, investors purchase notes, which corresponds to fractions of loans. A fixed income alternative, with historical returns of 3-8% per year. LendingClub offers investors access to the consumer credit asset class which, until recently, has historically been available only to banks and large institutions. As borrowers repay their loans, investors receive payments of principal and interest and can receive monthly cash flow ranging between 2–5%.


Borrowers use loans to consolidate debt, improve their homes, finance major purchases, and more. A personal loan through LendingClub can help you meet your financial goals. Take control of your finances.

Refinance your credit cards with a personal loan—and circle the date you can be debt free. Save money by reducing your interest rate. Pay your credit cards with a loan. Get a fixed rate, an affordable fixed rate, your monthly payment never increases.

With a 36- or 60-month loan term, you’re on a clear path to becoming debt free. Know when you’ll be debt free. Swap out your high-interest credit card debt for a fixed-rate loan. Immediately pay off your credit cards now.

Apply from anywhere. Get your money fast. Apply online in minutes. Tell them about yourself and how much you want to borrow.

Select a loan offer. Review your monthly payment and interest rate options, and choose the one you like best.

Your loan is automatically deposited into your bank account.

Simplify your life with a single monthly payment by getting an affordable, fixed-rate loan. Start your home improvement project now, without waiting for a home equity loan or line of credit. Pay for an unexpected expense or major purchase in fixed installments instead of using a credit card.

Borrow up to $40,000 and get your money in as little as 7 days.

  • Fixed monthly payments
  • Low, fixed interest rates
  • Make payments automatically from your bank account
  • No prepayment penalties

The entire process typically takes about 7 days. In some cases, it may take a little longer, depending on what they need from you. You can complete the entire process from the comfort of your home, or even on your phone!

You can keep things moving by checking your To-Do List to make sure they have all the information and documents they need.

Once your loan is approved and backed by investors, your money is automatically deposited directly into your bank account. Depending on your bank, this step can take a few more days.

After you check your rate, here’s what’s next:

Choose your offer.
You’ll receive multiple loan offers if you qualify. Each one shows the loan amount, interest rate, APR, monthly payment, and loan term (either 36 or 60 months).

Complete the application and verify your information.
They will ask for your Social Security number, as well as information about your income and employment. If they need any additional documents, they’ll let you know in your To-Do List. Then, hold tight while they review your application.

Get your money.
Once your loan is approved and backed by investors, your money will be automatically deposited into your bank account.

The entire process typically takes about 7 days. In some cases, it may take a little longer, particularly if you need to send them additional information or documents.

Read more here,

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