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Lending Club is a peer-to-peer lending platform that offers borrowers access to personal loans and investors the opportunity to invest in these loans. The website was founded in 2006 and has since grown to become one of the largest online lending marketplaces in the United States.

Lending Club connects borrowers with investors, bypassing traditional financial institutions such as banks. Borrowers can apply for loans ranging from $1,000 to $40,000 with fixed interest rates and terms ranging from 36 to 60 months. Investors can then choose to invest in individual loans or diversify their portfolios by investing in multiple loans. Lending Club uses a proprietary credit-scoring system to evaluate borrowers' creditworthiness and assign them grades ranging from A to G, with A-rated borrowers considered the least risky. Investors can then choose to invest in loans based on the borrower's credit grade and other criteria.

While Lending Club has faced some regulatory scrutiny over the years, the platform has established itself as a popular and credible option for borrowers and investors. With its user-friendly interface and competitive rates, Lending Club will likely continue to be a popular choice for those seeking access to personal loans or alternative investment options. You will love more sites like Lending Club and adore those for sure.

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