Prospectus Supplement (Sales Report) No. 3 dated August 17, 2011 to Prospectus dated July 29, 2011 |
Filed pursuant to Rule 424(b)(3) Registration Statement No. 333-151827 |
LendingClub Corporation
Member Payment Dependent Notes
This Prospectus Supplement supplements the prospectus dated July 29, 2011 and provides information about particular series of Member Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Prospectus Supplement together with the prospectus dated July 29, 2011 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following Notes:
Member Payment Dependent Notes Series 688802
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
688802 |
$20,000 |
$20,000 |
17.99% |
1.00% |
August 12, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 688802. Member loan 688802 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,917 / month |
Current employer: | NuCO2 | Debt-to-income ratio: | 15.44% |
Length of employment: | 7 years | Location: | Woodstock, GA |
Home town: | |||
Current & past employers: | NuCO2 | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $48,418.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 94.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I pay out of pocket for most of my work expenses and most of this debt I've carried since 2008. I was in the process of paying these off when 2008's economy hit and several banks merged. My interest rates went from under 8%, up to 31.9% in one case. I plan on paying off two cards, one at 31.9% and one for 27.9%, and then go down the line with the remaining balance. |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Visa $6822, 31.9%, $249 MC $7866, 27.9%, $269 Discover $7712, 18%, $523 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mort 1 1412 Mort 2 700 Elec 100 home Gas 30 Cable/internet 80 Water 35 Insurance 547 no car payments, cars paid off food 400 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mort 1 1412 Mort 2 700 Elec 100 home Gas 30 Cable/internet 80 Water 35 Insurance 547 no car payments, cars paid off food 400 |
Member Payment Dependent Notes Series 748740
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
748740 |
$15,050 |
$15,050 |
20.99% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 748740. Member loan 748740 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,458 / month |
Current employer: | Clark County School District | Debt-to-income ratio: | 24.97% |
Length of employment: | 10+ years | Location: | Henderson, NV |
Home town: | |||
Current & past employers: | Clark County School District | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I plan on using the funds to pay off and close all of my credit card accounts with the exception of one or two, most of which have high interest rates. I have been employed with the Clark County School District for 27 years. My monthly expenses are as follows: Housing - $792 Transportation - $179 Utilities - $346 Food - $300 Liabilities - $1246
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,170.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 90.30% | Months Since Last Record: | 101 |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a public record on file, please briefly explain the event and its resolution. | In 2003, litigation on a debt ensued prior to securing a bankruptcy attorney, thus the public record on file. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Debt Payment Balance Rate CapitalOne MC 15.00 $435 17.90% CapitalOne MC Platinum 20.00 $728 0.00% Chevron / Texaco 19.00 $371 26.99% CorTrust 49.00 $1,211 9.90% Dell 119.00 $3,761 27.24% GE Money Bank 34.00 $680 26.99% ICON 43.00 $846 21.80% Juniper 55.00 $1,441 29.99% Lending Club 133.00 $3,527 12.23% Merrick Bank 61.00 $2,109 21.45% Midland 30.00 $443 19.92% Orchard MC 30.00 $574 26.99% Orchard V 16.00 $414 12.90% Sams Club 60.00 $1,548 22.90% SST 51.00 $1,410 26.99% WF Auto Finance 520.00 $15,996 18% |
If you have a public record on file, please briefly explain the event and its resolution. | In 2003, litigation on a debt ensued prior to securing a bankruptcy attorney, thus the public record on file. |
What is your intended use for the loan proceeds? | To pay off high-interest credit card debt. |
Member Payment Dependent Notes Series 750151
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
750151 |
$5,325 |
$5,325 |
10.99% |
1.00% |
August 16, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 750151. Member loan 750151 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,083 / month |
Current employer: | T.G. construction & remodeling | Debt-to-income ratio: | 18.19% |
Length of employment: | < 1 year | Location: | Baton Rouge, LA |
Home town: | |||
Current & past employers: | T.G. construction & remodeling | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | 33 |
Revolving Credit Balance: | $1,721.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 15.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 785061
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
785061 |
$23,075 |
$23,075 |
14.79% |
1.00% |
August 10, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 785061. Member loan 785061 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,833 / month |
Current employer: | RE/MAX, LLC | Debt-to-income ratio: | 5.04% |
Length of employment: | 4 years | Location: | Parker, CO |
Home town: | |||
Current & past employers: | RE/MAX, LLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/28/11 > I'm trying to consolidate my high interest credit cards into one loan with a fixed payment and rate. I'm trying my best to get out of debt, please help me! null
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $19,171.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The four are credit cards (two AMEX, one BoA, one Chase). Respective balances are $6K, $6K, $7K, $3K. The respective rates are 9.3%, 10%, 13.5% and 19%. The minimum payments are roughly 2% of the outstanding balance(s). The only other debt I have is my home mortgage, $325K at 4.75%, 30-year fixed with a $2,451 monthly payment. |
What is your intended use for the loan proceeds? | To payoff my higher rate interest credit cards. |
Which debts do you plan to pay off with this loan? | The high interest credit cards. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Both cars are paid off, mortgage is $2,500 per month. The remainder of our expenses are around $500 and we allocate any remaining monies towards savings or debt reduction. |
Member Payment Dependent Notes Series 787441
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
787441 |
$21,300 |
$21,300 |
20.62% |
1.00% |
August 16, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 787441. Member loan 787441 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,505 / month |
Current employer: | United Parcel Service | Debt-to-income ratio: | 14.48% |
Length of employment: | 10+ years | Location: | Gainesville, GA |
Home town: | |||
Current & past employers: | United Parcel Service | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > I plan to build a gunite swimming pool and landscape my backyard at my home of 14 years. I'm employed with a Fortune 500 company with 35 years seniority. null
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,065.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 73.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage $1555,taxes and insurance included, utilities around $325 per month..No home equity or line of credit... |
Please provide additional details regarding the purpose of the loan | The loan is to build a swimming pool on my property, |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Mortgage 1155, taxes 200, insurance 200 , mortgage , taxes and insurance all combined into one payment of 1555, utilities of 325 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage includes taxes and insurance, $1555, utilities average $325-350 |
Member Payment Dependent Notes Series 798758
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
798758 |
$7,000 |
$7,000 |
7.49% |
1.00% |
August 11, 2011 |
August 7, 2014 |
August 7, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 798758. Member loan 798758 was requested on July 24, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,417 / month |
Current employer: | Brenntag Mid-Sout | Debt-to-income ratio: | 5.12% |
Length of employment: | 3 years | Location: | Clearwater, FL |
Home town: | |||
Current & past employers: | Brenntag Mid-Sout | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/26/11 > 100% proceeds of loan to pay off remaining credit card debt. Following advice from Clark Howard. Secure/stable employment in the chemical transport business. null
A credit bureau reported the following information about this borrower member on July 24, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,816.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 51.10% | Months Since Last Record: | 99 |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a public record on file, please briefly explain the event and its resolution. | I'm unsure what specific public record the question refers to. No criminal history. One S corp d/b/a 2002 - 2003. Florida claims adjusters 620 license 1987 - 2005. |
Member Payment Dependent Notes Series 799205
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
799205 |
$18,000 |
$18,000 |
13.99% |
1.00% |
August 16, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 799205. Member loan 799205 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,417 / month |
Current employer: | Citrin Cooperman | Debt-to-income ratio: | 13.16% |
Length of employment: | 9 years | Location: | Brooklyn, NY |
Home town: | |||
Current & past employers: | Citrin Cooperman | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > I will be using this money to pay off 2 of my credit cards with the highest APRs. The loan repayment is less than I am paying now, so that amount will be rolled into my 3rd and final credit card bill. The final credit APR interest is lower than this loan, which is why I didn't consolidate for the entire amount. Last year, I was able to pay off $11,000 towards my credit card debt and that was just by making a significant effort with my monthly budget and using any extra money, such as bonuses, wisely. I've been with my current employer for nearly 10 years. It's a very stable company and I have a stable position within.
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $32,930.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 73.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I currently have 3 credit card balances: $8800 with an interest rate of 18%, which I pay $700 a month (this had the highest balance and interest rate so I'm paying the most above the minimum due per month); $8400 with an interest rate of 18%, which I pay $200 a month, which is slightly above the minimum due; $14,000 with an interest rate of 14%, which I pay $350 a month, which is slightly above the minimum due. Last year, I paid off one credit card completely, so now I'm working on the next one with the highest interest rate and balance and working it down. As I pay them off, I roll the amount I pay into the next card. I have no student loans, mortgages, car payments, lines of credit, etc. I have regular bills, rent, utlities, but I have everything budgeted so I am able to pay all my bills and still put a little into my 401k and savings account. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $700 Commuting $89 Utilities $70 (I only pay electric) Phone/Cable $160 Cell Phone $77 Groceries $150 Gas $50 Car Insurance $670 every six months, which I pay in lump sum to save on any fees/interest. I break this amount down per payroll so when the bill comes in, I have the money ready. Renters Insurance is about $200 for the year, which I pay in lump sum. I break this amount down per payrool so when the bill comes in, I have the money ready. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Rent is $700 per month Renters Insurance is approximately $200 per year. I pay in lump sum and I break this amount down by payroll, so that when the bill comes in I have the money ready. Utilities averages out to $70 per month I don't own my apartment, so I do not have a mortgage or any real estate taxes. |
Member Payment Dependent Notes Series 805828
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
805828 |
$15,000 |
$15,000 |
11.99% |
1.00% |
August 16, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 805828. Member loan 805828 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,583 / month |
Current employer: | Lifecare Center of Winter Haven | Debt-to-income ratio: | 9.27% |
Length of employment: | 6 years | Location: | Winter Haven, FL |
Home town: | |||
Current & past employers: | Lifecare Center of Winter Haven | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > These funds will be used for debt consolidation. I have lived in the same area for 20 years and have been working for the same company since receiving my Master's Degree 6 years ago.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,397.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 81.00% | Months Since Last Record: | 87 |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 806956
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
806956 |
$14,000 |
$14,000 |
6.99% |
1.00% |
August 15, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 806956. Member loan 806956 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,000 / month |
Current employer: | AECOM | Debt-to-income ratio: | 14.22% |
Length of employment: | 3 years | Location: | Phoenix, AZ |
Home town: | |||
Current & past employers: | AECOM | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > Credit card consolidation; moving balances to a lower interest rate.
A credit bureau reported the following information about this borrower member on July 26, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,880.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 23.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | 1 - MC, 9100, 13.99, 205 2 - Visa, 2400, 13.99, 60 3 - Visa, 1800, 11.66, 50 4 - Disc, 700, 16.24, 40? (I've been paying 200) |
What is your intended use for the loan proceeds? | Credit card balances; roughly 80% balance transfers, 20% unexpected purchases (auto repair, dental work). See other answer for breakdown of credit card balances and rates. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Roughly 1700, including mortgage and all utilities. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Roughly 3200 not including credit cards to be paid off by this loan. I've been putting any "extra" money towards the highest rate card, usually 200-400 per month. |
If you have a delinquency in the last 2 years, please explain the reason. | I don't remember the last time I had a delinquency; all accounts on my credit reports show in good standing / no late payments for the entire reporting period. |
What is the total balance of your credit cards, interest rates and current monthly payments? | I have roughly $17000 on credit cards, with rates varying from 3.99% to 16.24%. $3000 of that $17000 is at 3.99% and will stay with the lower rate on that card. The total of the monthly minimums is just over $400, but I've been paying an additional $300-$400 per month on the card with the highest interest rate. After paying off the higher rate cards, I'll transfer the money I would have used for additional credit card payments into a savings account and use it to make larger one-time payments on this loan's principal. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I don't understand how this question is different from the last one you asked; can you please clarify what you are looking for? |
Member Payment Dependent Notes Series 807617
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
807617 |
$6,825 |
$6,825 |
7.49% |
1.00% |
August 12, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 807617. Member loan 807617 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,083 / month |
Current employer: | Liberty Healthcare Corporation | Debt-to-income ratio: | 22.15% |
Length of employment: | < 1 year | Location: | Drexel Hill, PA |
Home town: | |||
Current & past employers: | Liberty Healthcare Corporation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I intend to use these funds for debt consolidation. I have a stable full-time job. Furthermore I have great credit (approx 730) and honor all my financial obligations.
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1982 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 9 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $22,238.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I carry a larger balance due to my decision to help a friend in need. This individual had very poor credit and was out of work and I made some purchases on my credit card to help him out. I understand now that that was not a wise thing to do for myself. However, since then I have made every single credit card payment (more than the minimum and as much as I could afford) on time. I am a saver at heart and rarely spend money on myself so this balance is very uncharacteristic of me and is something I am working very hard at to change. I hope you can understand and I hope you find my explanation to be sufficient. Thank you. |
Member Payment Dependent Notes Series 810408
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
810408 |
$20,000 |
$20,000 |
16.89% |
1.00% |
August 12, 2011 |
August 13, 2016 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 810408. Member loan 810408 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,167 / month |
Current employer: | Northern Trust | Debt-to-income ratio: | 12.28% |
Length of employment: | 10+ years | Location: | Brookfield, IL |
Home town: | |||
Current & past employers: | Northern Trust | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $24,884.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 53.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage = $1980 utilities = $350 insurance $68 food = $350 car = $400 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | mortgage = $1980 utilities = $350 insurance $68 food = $350 car = $400 |
Please explain the reason why you carry a large revolving credit balance. | Not by choice, I had a few things come up that needed to be addressed with a credit card |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am using the load to pay off credit cards |
Which debts do you plan to pay off with this loan? | chase credit cards and bank of America credit card |
Which debts do you plan to pay off with this loan? | chase credit cards and bank of America credit card |
What is your intended use for the loan proceeds? | Credit card consolidation. |
Please explain the reason why you carry a large revolving credit balance. | Not by choice, I had a few things come up that needed to be addressed with a credit card |
Which debts do you plan to pay off with this loan? | chase credit cards and bank of America credit card |
What is your intended use for the loan proceeds? | Credit card consolidation. |
Please explain the reason why you carry a large revolving credit balance. | Not by choice, I had a few things come up that needed to be addressed with a credit card |
Which debts do you plan to pay off with this loan? | chase credit cards and bank of America credit card |
Which debts do you plan to pay off with this loan? | chase credit cards and bank of America credit card |
Please explain the reason why you carry a large revolving credit balance. | Not by choice, I had a few things come up that needed to be addressed with a credit card |
Which debts do you plan to pay off with this loan? | chase credit cards and bank of America credit card |
Please explain the reason why you carry a large revolving credit balance. | Not by choice, I had a few things come up that needed to be addressed with a credit card |
Which debts do you plan to pay off with this loan? | chase credit cards and bank of America credit card |
Which debts do you plan to pay off with this loan? | chase credit cards and bank of America credit card |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am using the load to pay off credit cards |
Which debts do you plan to pay off with this loan? | chase credit cards and bank of America credit card |
Which debts do you plan to pay off with this loan? | chase credit cards and bank of America credit card |
If you have a delinquency in the last 2 years, please explain the reason. | I don't have any that I am aware of |
Member Payment Dependent Notes Series 812710
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
812710 |
$24,500 |
$24,500 |
19.29% |
1.00% |
August 11, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 812710. Member loan 812710 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,000 / month |
Current employer: | United Electric | Debt-to-income ratio: | 12.82% |
Length of employment: | 5 years | Location: | martins ferry, OH |
Home town: | |||
Current & past employers: | United Electric | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/30/11 > I will also be making improvements to my home as well.
A credit bureau reported the following information about this borrower member on July 11, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $19,343.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 52.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Some of the balances are from furniture that carry a 0% interest rate. The others I will be paying off with the loan proceeds |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage US BAnk $108,000 $914/month includes escrow 6% Bank of America $7200 $200/month credit card used for home improvements Discover $1500 $100/month credit card Springleaf $4800 $224/month personl loan HSBC/Kawasaki $3200 $96/month Motorcycle 4.99% HSBC/Bestbuy $2500 $48/month Television 0% WF Finance $4000 $86/month Living room furniture 0% |
Which debts do you plan to pay off with this loan? | Springleaf, HSBC/KAWASAKI, Bank of America, Discover, Tiffany & Co, GEMB, HSBC/BESTBUY |
Please explain the reason why you carry a large revolving credit balance. | Some of the balances are from furniture that carry a 0% interest rate. The others I will be paying off with the loan proceeds. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage US BAnk $108,000 $914/month includes escrow 6% Bank of America $7200 $200/month credit card used for home improvements Discover $1500 $100/month credit card Springleaf $4800 $224/month personl loan HSBC/Kawasaki $3200 $96/month Motorcycle 4.99% HSBC/Bestbuy $2500 $48/month Television 0% WF Finance $4000 $86/month Living room furniture 0% |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | $3647 for new hardwood floors throughout my home which wil add additional value to my home. Appx $10 will be used to purchase and install a new furnace. The remainder of the loan proceeds will be used to payoff unsecured high interest revolving debt. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage US BAnk $108,000 $914/month includes escrow 6% Bank of America $7200 $200/month credit card used for home improvements Discover $1500 $100/month credit card Springleaf $4800 $224/month personl loan HSBC/Kawasaki $3200 $96/month Motorcycle 4.99% HSBC/Bestbuy $2500 $48/month Television 0% WF Finance $4000 $86/month Living room furniture 0% |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage US BAnk $108,000 $914/month includes escrow 6% Bank of America $7200 $200/month credit card used for home improvements Discover $1500 $100/month credit card Springleaf $4800 $224/month personl loan HSBC/Kawasaki $3200 $96/month Motorcycle 4.99% HSBC/Bestbuy $2500 $48/month Television 0% WF Finance $4000 $86/month Living room furniture 0% |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage US BAnk $108,000 $914/month includes escrow 6% Bank of America $7200 $200/month credit card used for home improvements Discover $1500 $100/month credit card Springleaf $4800 $224/month personl loan HSBC/Kawasaki $3200 $96/month Motorcycle 4.99% HSBC/Bestbuy $2500 $48/month Television 0% WF Finance $4000 $86/month Living room furniture 0% |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage-$914 (includes taxes and insurance) all utilities-$438 Food-$350 Car insuarance and maintenance-$175 I do not have a car payment |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage US BAnk $108,000 $914/month includes escrow 6% Bank of America $7200 $200/month credit card used for home improvements Discover $1500 $100/month credit card Springleaf $4800 $224/month personl loan HSBC/Kawasaki $3200 $96/month Motorcycle 4.99% HSBC/Bestbuy $2500 $48/month Television 0% WF Finance $4000 $86/month Living room furniture 0% |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage US BAnk $108,000 $914/month includes escrow 6% Bank of America $7200 $200/month credit card used for home improvements Discover $1500 $100/month credit card Springleaf $4800 $224/month personl loan HSBC/Kawasaki $3200 $96/month Motorcycle 4.99% HSBC/Bestbuy $2500 $48/month Television 0% WF Finance $4000 $86/month Living room furniture 0% |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | mortgage payment $914/month (includes taxes and insurance) utilities $393/month (cable, phone, internet, electric, and water) |
If you have a public record on file, please briefly explain the event and its resolution. | There are no public records or delinquency on my credit |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Mortgage payment is $914 a month that includes taxes and insurance |
If you have a delinquency in the last 2 years, please explain the reason. | I have not had any |
What is your intended use for the loan proceeds? | Bill consolidation and home improvement |
Member Payment Dependent Notes Series 812718
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
812718 |
$24,000 |
$24,000 |
18.39% |
1.00% |
August 11, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 812718. Member loan 812718 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,167 / month |
Current employer: | Wilmes Chevrolet Buick GMC | Debt-to-income ratio: | 21.53% |
Length of employment: | 10+ years | Location: | Altus, OK |
Home town: | |||
Current & past employers: | Wilmes Chevrolet Buick GMC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > This will payoff every credit card balance and lower my monthly payment by over $300. I plan to pay this off quicker than 5 years! Borrower added on 07/30/11 > I have been at the same job for 21 years, lived in same town for longer and been in my house for 14 years. I plan to be debt free in 5 years then would love to become a lending club investor!
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 50 | Months Since Last Delinquency: | 40 |
Revolving Credit Balance: | $15,757.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 54.50% | Months Since Last Record: | 112 |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a public record on file, please briefly explain the event and its resolution. | I did have a bankruptcy back in 2002 which is scheduled to drop off in the first quarter of 2012. It was due to a surgery I had that left me with some huge medical bills. As you can see since then I have taken care of my bills. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | My current mortgage payment is $1625. $1237.41 is principal and interest. My escrow payment which pays insurance and taxes is 388.03. My loan is through Bank of America. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My current mortgage rate is 5.5% with a balance around $212000. My lasts appraisal on my house was $239000. My credit cards vary on rates. My plan is to pay these off with one monthly payment instead of all different due dates. |
Member Payment Dependent Notes Series 813562
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
813562 |
$20,000 |
$20,000 |
10.99% |
1.00% |
August 11, 2011 |
August 10, 2016 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 813562. Member loan 813562 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,000 / month |
Current employer: | UC Davis | Debt-to-income ratio: | 3.08% |
Length of employment: | 10+ years | Location: | woodland, CA |
Home town: | |||
Current & past employers: | UC Davis | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > Purpose of the loan is to pay off a high interest rate credit card balance that I racked up as a cash-advance because of a personal emergency. My job is very stable. I have worked at the same place for over 20 years and my performance evaluations from my supervisors have always been extremely good. I am a hard working dependable employee . It is unlikely that anyone where I work at would be laid off because of economic conditions. Even in that extremely unlikely event, I have excellent job security because of my good work ethic, seniority, and performance. I am a good borrower because I have a stable job and I pay back all of my loans. Currently, I have no other expenses beside a mortgage and living expenses like food, gas, household essentials and such.
A credit bureau reported the following information about this borrower member on July 18, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 6 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,397.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 2.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Pay off high interest rate credit card balance and a loan I took out on my 403b retirement account. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am carrying a $12,000 dollar cash-advance balance in my credit card which will cost me 700+/month according to the terms of my bank minimum payment requirement in addition to a high interest rate of 23%+. My intention is to pay off this balance immediately. I also have a remaining loan balance of $5,000 in my 403b account at my workplace which withholds $425 from my check each month in loan payment. I will payoff this loan to free up the cash in my monthly paycheck so I can pay toward this LendingClub loan. The rest of the money I will keep in my checking account for miscellaneous expenses. |
Please provide additional details regarding the purpose of the loan | There are no additional details regarding the purpose of the loan. The main purpose of the loan is to pay off a high interest rate credit card balance that was a cash advance. There is no other purpose of the loan. I made an error when I first set up my account and describing my loan as "Other". It should have been "Pay Off Credit Card Balance" or something more descriptive to the purpose of the loan. The credit card balance was a one time cash advance that I took to help pay for medical, transportation, and funeral services of my mother who succumbed to her illness last month. So it is really this that is the main purpose of the loan even though the costs are already carried in my credit card and the services are over and done with. Were I to have a premonition of the progress of my mother's illness I would have taken out the loan with the explicit purpose of paying for her medical, transportation, and funeral services. Thank you all for your interests in investing in my loan. I am sorry I should have been more accurate in my loan description that titled my loan summary page. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am carrying a $12,000 dollar cash-advance balance in my credit card which will cost me 700+/month according to the terms of my bank minimum payment requirement in addition to a high interest rate of 23%+. My intention is to pay off this balance immediately. I also have a remaining loan balance of $5,000 in my 403b account at my workplace which withholds $425 from my check each month in loan payment. I will payoff this loan to free up the cash in my monthly paycheck so I can pay toward this LendingClub loan. The rest of the money I will keep in my checking account for miscellaneous expenses. |
Please explain the reason why you carry a large revolving credit balance. | I took a cash advance on my credit card for an emergency. My mother became critically ill last month and had to go to the emergency room where she died from liver cancer. I used the cash advance to help my dad pay for medical , transportation, and funeral expenses. |
Please provide additional details regarding the purpose of the loan | There are no additional details regarding the purpose of the loan. The main purpose of the loan is to pay off a high interest rate credit card balance that was a cash advance. There is no other purpose of the loan. I made an error when I first set up my account and describing my loan as "Other". It should have been "Pay Off Credit Card Balance" or something more descriptive to the purpose of the loan. The credit card balance was a one time cash advance that I took to help pay for medical, transportation, and funeral services of my mother who succumbed to her illness last month. So it is really this that is the main purpose of the loan even though the costs are already carried in my credit card and the services are over and done with. Were I to have a premonition of the progress of my mother's illness I would have taken out the loan with the explicit purpose of paying for her medical, transportation, and funeral services. Thank you all for your interests in investing in my loan. I am sorry I should have been more accurate in my loan description that titled my loan summary page. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Monthly housing expenses : mortgage = 1438.00 utility (gas,elec,water) = ~120 , property tax = 296.65 (incl. in mortgage payment), homeowner insurance = 491/year , phone = ~50 , internet = ~50 (have a bundle service with cable but recent downgrade to basic), car insuranc = 70 , auto gas = 60, food expenses ~250. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Everything totals to around $2,100/month. |
Please provide additional details regarding the purpose of the loan? | The main purpose of the loan is to pay off a high interest rate credit card balance which amounts to $12,000. Part of the loan will go to pay off a loan from my workplace 403b plan. This will free up cash in my monthly paycheck that are automatically withheld toward payment of the loan. This extra money I will use to pay off the loan from Lending Club in the event I am able to get funding. The remainder of the money I will put in my checking account for miscellaneous expenses. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Monthly housing expenses : mortgage = 974.51 total. PMI escrow = 59.85 (incl. in mortgage payment) property tax = 296.64 (incl. in mortgage payment) hazard escrow = 107 (incl. in mortgage payment Total monthly housing related expenses: $1438 homeowner insurance = 491/year. This is it. I think the PMI escrow will phase out at some point, I don't know when. |
If you have a delinquency in the last 2 years, please explain the reason. | I have no delinquency in the last 2 years. |
If you have a public record on file, please briefly explain the event and its resolution. | I have none. |
Member Payment Dependent Notes Series 814210
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
814210 |
$20,000 |
$20,000 |
10.99% |
1.00% |
August 11, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 814210. Member loan 814210 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,750 / month |
Current employer: | MDT Personnel | Debt-to-income ratio: | 14.13% |
Length of employment: | 5 years | Location: | Raleigh, NC |
Home town: | |||
Current & past employers: | MDT Personnel | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > Loan will be used to pay off a 8,000 credit card balance with HSBC. As well asa 4,000 remaining balance with Capital One for a personal loan from 2008. And lastly, to pay off remaining student loan of about 2,200 dollars. My lending club loan would actually be cheaper on a monthly basis than all of these three minimum payments. null
A credit bureau reported the following information about this borrower member on July 12, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 47 |
Revolving Credit Balance: | $61.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I will be using my loan for a combination purpose. First, debt consolidation. I have a $7800 credit card balance I will pay off. A personal loan through Capital One with a payoff amount of $4000 which I will pay off, and lastly, my student loan which has about $2,300 left to payoff. The remaining money I will put in savings. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage=$1,087.00/Utilities=$100.00/Phone=$0/Insurance=$78.00/Food=$85.00/ |
Member Payment Dependent Notes Series 814887
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
814887 |
$9,000 |
$9,000 |
10.59% |
1.00% |
August 15, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 814887. Member loan 814887 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,667 / month |
Current employer: | city of lubbock | Debt-to-income ratio: | 8.36% |
Length of employment: | 4 years | Location: | lubbock, TX |
Home town: | |||
Current & past employers: | city of lubbock | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > i am looking for a better intrest rate to consolidate my credit cards and get them paid off faster
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | 45 |
Revolving Credit Balance: | $10,246.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 44.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I recently needed to replace the windows in my house. My credit balance is usualy not this high |
Which debts do you plan to pay off with this loan? | Credit card balances with a higher intrest rate. |
Member Payment Dependent Notes Series 816411
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
816411 |
$12,000 |
$7,775 |
15.23% |
1.00% |
August 10, 2011 |
August 8, 2016 |
August 8, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 816411. Member loan 816411 was requested on July 25, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,860 / month |
Current employer: | Q3 Contracting | Debt-to-income ratio: | 11.89% |
Length of employment: | 1 year | Location: | SAINT PAUL, MN |
Home town: | |||
Current & past employers: | Q3 Contracting | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > I feel my job is very stable. The company has been in business since the 1980s and has flourished even during this economic down turn. I feel very fortunate to have employers who manage their road reconstruction and underground utility company financially stable. null Borrower added on 08/03/11 > I so appreciate all those investors thus far. I don't know what I will do if I am unable to replace this furnace before winter. Thank you. Borrower added on 08/07/11 > Again, I thank you all for your assistance with my loan. I have 1+ day left and I pray for the funding every day. My only son has a part-time job while in college but living expenses are high even with the minimum. Again, thank you. Borrower added on 08/08/11 > THANK YOU TO ALL INVESTORS - a safe household for my family this winter is within reach. Bless you all!
A credit bureau reported the following information about this borrower member on July 25, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | 8 |
Revolving Credit Balance: | $946.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 9.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | loan proceeds are to replace my furnace before the winter starts. It was nursed along the last two winters and know that it won't make it through another one. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $900/month, gasoline $160/month, utilities $319/month, insurance $69/month, food/entertainment $100 (myself only) |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquencies what so ever. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | see answer to Question #1 - furnace will run ~$9,000 |
Please provide additional details regarding the purpose of the loan | Purpose of the loan is to replace my furnace - I have a guy that is willing to install it without charge thanks to his huge heart! |
Member Payment Dependent Notes Series 816631
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
816631 |
$12,000 |
$12,000 |
14.79% |
1.00% |
August 16, 2011 |
August 18, 2016 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 816631. Member loan 816631 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,161 / month |
Current employer: | Bureau of ATF | Debt-to-income ratio: | 24.14% |
Length of employment: | 7 years | Location: | Toms Brook, VA |
Home town: | |||
Current & past employers: | Bureau of ATF | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/11/11 > Current government employee with no history of deliquency. I plan to use the funds for credit card elimination. null
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | 28 |
Revolving Credit Balance: | $26,674.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 82.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Approximately $2000/mo |
Please explain the reason why you carry a large revolving credit balance. | Hospitalizations and care of children |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | answered in my other response |
Which debts do you plan to pay off with this loan? | 2 credit cards |
If you have a delinquency in the last 2 years, please explain the reason. | I have had none |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage 1400, utilities 300 ,Insurance included in mortgage, food 400, gas 120 |
Member Payment Dependent Notes Series 816822
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
816822 |
$22,400 |
$22,400 |
12.99% |
1.00% |
August 17, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 816822. Member loan 816822 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,686 / month |
Current employer: | Keats McFarland & Wilson, LLP | Debt-to-income ratio: | 15.46% |
Length of employment: | 3 years | Location: | Culver City, CA |
Home town: | |||
Current & past employers: | Keats McFarland & Wilson, LLP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > To pay off two high-interest credit cards with Citi and MBNA so that these accounts can be negotiated towards a lower APR, NOT so that the cards can be charged to their maximum limits when paid off, but to maintain them by paying them off monthly instead of just making minimum payments. My primary goal is to further enhance my credit score for business investments down the road. Thank you. null
A credit bureau reported the following information about this borrower member on July 14, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $25,675.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I haven't been able to get out of the large APR under both credit card accounts. My monthly payment, for example, on one card is around $500-600 and all of my minimum payments hardly make a dent in the principle, which is why I am considering a lower rate reconsolidation loan. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Citi Choice: approx. $15K ($500-600/mo.) MBNA: approx. $9K ($350/mo.) Citi VISA: $5k (this has been closed in order to get the 9.5%APR in 2008; otherwise, keeping it open would have raised the APR to almost 30% just like the other 2 above. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $800 Car Lease - $320 Car Ins. - $219 Utilities - $125 Phone - $260 Food - $160-$250 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My monthly rent is $800 and I pay $8/month for rental issurance. I have no mortgage and no home equity loan. Utilities average about $60-75 for gas/H20/sewage/trash, $20 for electricity and $44 for cable/internet. I have no outstanding taxes. |
Member Payment Dependent Notes Series 818608
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
818608 |
$9,800 |
$9,800 |
9.99% |
1.00% |
August 11, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 818608. Member loan 818608 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,000 / month |
Current employer: | Veoila Transportation | Debt-to-income ratio: | 19.10% |
Length of employment: | 10+ years | Location: | North Las Vegas, NV |
Home town: | |||
Current & past employers: | Veoila Transportation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > I plan to use the funds to by a car and it transported to my house I have good credit My monthly budget is around $4000 Been on the job for over 14 yrs null
A credit bureau reported the following information about this borrower member on July 15, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1979 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,058.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 12.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What type of vehicle are you buying (make, model, year, mileage and condition)? | It was a 1970 Chevy Impala being listed on Ebay with a buy it now! |
What type of vehicle are you buying (make, model, year, mileage and condition)? | It was a 1970 Chevy Impala being listed on Ebay with a buy it now! |
Member Payment Dependent Notes Series 819520
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
819520 |
$12,000 |
$12,000 |
6.99% |
1.00% |
August 12, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 819520. Member loan 819520 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,667 / month |
Current employer: | J.P. Morgan Chase | Debt-to-income ratio: | 1.53% |
Length of employment: | 10+ years | Location: | HOUSTON, TX |
Home town: | |||
Current & past employers: | J.P. Morgan Chase | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
This loan will be used to repair a leak in the master bathroom and the associated damage caused by the leak. Since repairs will require ripping out the entire shower, I want to update the bathroom as well. My budget for repair/renovation is less than the loan amount, but I've included a bit extra to cover for any overages I don't carry much debt, aside from my mortgage, so repaying this loan will be my primary goal and I plan to repay in less than 3 years. I've been with the same company for more than 10 years and am a good investment risk.. Borrower added on 08/04/11 > This loan will be used to repair a shower pan leak in the master bath and associated damage. Since repairs require ripping out the shower, I want to update the bathroom. Insurance provided only $1500, so I have to pay for everything else. Aside from the mortgage, I carry very little debt, so repaying this loan will be my primary goal and I hope to payoff in 2 years. I've been in my job for more than 10 years.
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $938.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 1.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | This loan will be used to repair a leak in the master bathroom shower pan and associated damage. Since repairs will require ripping out the shower, I want to update the bathroom. My insurance provided only $1500 after the deductible, so I will have to pay for everything else. |
What is your intended use for the loan proceeds? | This loan will be used to repair a leak in the master bathroom shower pan and associated damage. Since repairs will require ripping out the shower, I want to update the bathroom. My insurance provided only $1500 after the deductible, so I will have to pay for everything else. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Monthly expenses are as follows: Housing (mortgage, insurance & taxes) average $1475 Utilities (gas/electric, water/sewer) average $300 I don't have a home equity loan or line of credit |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I already provided this information to another investor. The monthly payment for this loan amounts to less than 8.5% of my take home pay. |
Member Payment Dependent Notes Series 820650
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
820650 |
$20,000 |
$20,000 |
18.39% |
1.00% |
August 10, 2011 |
August 10, 2016 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 820650. Member loan 820650 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,500 / month |
Current employer: | McDonald's | Debt-to-income ratio: | 10.11% |
Length of employment: | 10+ years | Location: | Owosso, MI |
Home town: | |||
Current & past employers: | McDonald's | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | 17 |
Revolving Credit Balance: | $11,290.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 31.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Debt Consolidation |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Debt Consolidation |
Please provide additional details regarding the purpose of the loan | Debt Consolidation |
What is your intended use for the loan proceeds? | Debt Consolidation |
Please explain the reason why you carry a large revolving credit balance. | I used credit cards to pay for a commitment ceremony. Now I am trying to pay them off. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | My monthly mortgage payment is $1161. That includes my escrow account which pays taxes and insurance. |
Member Payment Dependent Notes Series 820814
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
820814 |
$10,000 |
$10,000 |
10.59% |
1.00% |
August 17, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 820814. Member loan 820814 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,250 / month |
Current employer: | Federated Insurance | Debt-to-income ratio: | 2.95% |
Length of employment: | 2 years | Location: | CORNELIUS, NC |
Home town: | |||
Current & past employers: | Federated Insurance | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > Funds are being used to pay Federal and State Taxes. I work for a financial strong company Federated Insurance. There have not been any layoffs in the history of Federated. My monthly budget is $2500.00.
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | 64 |
Revolving Credit Balance: | $6,610.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 42.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Our current debt is a mortgage with a balance of $160k and monthly payment of $945.00 and a credit card with a balance of $4500.00 at 13.99% and monthly payments of $100.00. |
Member Payment Dependent Notes Series 821086
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
821086 |
$7,000 |
$7,000 |
7.49% |
1.00% |
August 11, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 821086. Member loan 821086 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $6,280 / month |
Current employer: | Church and Murdock Electric INC | Debt-to-income ratio: | 7.26% |
Length of employment: | 4 years | Location: | Hooversville, PA |
Home town: | |||
Current & past employers: | Church and Murdock Electric INC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > Ebay Purchase Borrower added on 08/09/11 > House is paid off, Job has been very stable, in fact if I would get laid off, I have another company that would pick me up. I have a truck payment that is payed up to December. A home equality loan that has never been late. Just wanted this loan to get jet skis, The bank gave me a hassle. all I wanted was to be pre approved for a certain amount so I could bid. The open loan rate was too much. that is when I turned to this. I see no penaltys for early payment, and the rate is great.
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | 73 |
Revolving Credit Balance: | $353.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 1.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are you buying? | honda F12X Jet ski,s And Double trailer |
Member Payment Dependent Notes Series 821109
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
821109 |
$16,000 |
$16,000 |
15.99% |
1.00% |
August 15, 2011 |
August 13, 2016 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 821109. Member loan 821109 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,083 / month |
Current employer: | Advanced Technology Services | Debt-to-income ratio: | 13.30% |
Length of employment: | 3 years | Location: | peoria, IL |
Home town: | |||
Current & past employers: | Advanced Technology Services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > Purpose of my loan: I have about $16,000 in one credit card and an older consolidated medical debit. I want to consolidate to one payment and lower interest. It breaks out like this, Discover Card $4200.00 (29.9%) and the remaining $11,800.00 Discover Financial Personal Loan (19.9%). I accumulated this debt, in part due to medical debit when I was under insured. I took out a loan at the time to consolidate that and car work debit. I wasn’t making that kind of money. So basically my rates were a little higher than normal. I have worked hard over the past two years to get it down. I am in a position now to consolidate under a new lower rate. My Lending Club Rate is (15.98%). Financial Situation: I have been working with my company for more than three years now. The company is very stable and has seen growth over the past two years. They provide technical services to Fortune 500 companies. Also, in November of this year, I am going to be moving in with a roommate. Which will lower many of my housing and utilities bills. Monthly expenses: Housing: $465.00 Utilities/Phone/Cable/Internet: $250.00 Food And Entertainment: $280.00 Car Insurance: $ 91.00 Car expenses: $85.00 Gas Lending Club loan: $389.00 Student loans: $220.00 Total monthly expenses $1780 I plan to pay this off within the next 36 months.
A credit bureau reported the following information about this borrower member on July 19, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,189.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have recently submitted a loan description. Once it is approved...it should answer all of your questions. Thank You... |
Which debts do you plan to pay off with this loan? | I have recently submitted a loan description. Once it is approved...it should answer all of your questions. Thank You... |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have recently submitted a loan description. Once it is approved...it should answer all of your questions. Thank You... |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I have recently submitted a loan description. Once it is approved...it should answer all of your questions. Thank You... |
Which debts do you plan to pay off with this loan? | I have recently submitted a loan description. Once it is approved...it should answer all of your questions. Thank You... |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have recently submitted a loan description. Once it is approved...it should answer all of your questions. Thank You... |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have recently submitted a loan description. Once it is approved...it should answer all of your questions. Thank You... |
What is your intended use for the loan proceeds? | I have recently submitted a loan description. Once it is approved...it should answer all of your questions. Thank You... |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have recently submitted a loan description. Once it is approved...it should answer all of your questions. Thank You... |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I have recently submitted a loan description. Once it is approved...it should answer all of your questions. Thank You... |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | All of my monthly expenses are listed within my loan description. I have them listed out. I recently paid off all but one of my credit cards. |
If you have a delinquency in the last 2 years, please explain the reason. | I have only had one delinquency, that I know of, in the last two years. It was recently when I was out of the country. Missed the payment the payment date. Made double payment the next month. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | My intention is to pay off the two items from discover. They are the one with highest interest rates. I can combine them into one lower payment, at the same time lower the amount of years on the loan. |
Member Payment Dependent Notes Series 821334
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
821334 |
$16,000 |
$10,050 |
16.89% |
1.00% |
August 17, 2011 |
August 1, 2016 |
August 1, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 821334. Member loan 821334 was requested on July 18, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,166 / month |
Current employer: | HRS Clothing | Debt-to-income ratio: | 13.75% |
Length of employment: | 6 years | Location: | Mesa, AZ |
Home town: | |||
Current & past employers: | HRS Clothing | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 18, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 14 |
Revolving Credit Balance: | $35,591.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 43.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 822152
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
822152 |
$20,000 |
$20,000 |
22.48% |
1.00% |
August 16, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 822152. Member loan 822152 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,067 / month |
Current employer: | Alliance Bus Charters | Debt-to-income ratio: | 16.83% |
Length of employment: | 5 years | Location: | Northlake, TX |
Home town: | |||
Current & past employers: | Alliance Bus Charters | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 24 | Delinquencies (Last 2 yrs): | 3 |
Total Credit Lines: | 51 | Months Since Last Delinquency: | 10 |
Revolving Credit Balance: | $8,034.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 53.60% | Months Since Last Record: | 69 |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What type of business are you starting? | Purchasing charter bus company from previous owner. |
Please describe your experience/familiarity with the business you are starting/started? | Have been in the business since 1998, starting as a driver and am currently the Vice President/General Manager of the business that I am looking to purchase. |
What do you project your monthly revenues for the first 6 months to be? | 725,000 for the 6 months |
What do you project your monthly expenses for the first 6 months of your business? | 450,000 approx |
If you have a delinquency in the last 2 years, please explain the reason. | The only delinquency that I have had has been with my car payment and that is being paid by the business. It was late due to the business not having the funds at the time to make the payment. I believe it was during the summer months, which is when we struggle the most. |
If you have a delinquency in the last 2 years, please explain the reason. | The only delinquency that I have had has been with my car payment and that is being paid by the business. It was late due to the business not having the funds at the time to make the payment. I believe it was during the summer months, which is when we struggle the most. |
Member Payment Dependent Notes Series 822641
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
822641 |
$4,000 |
$4,000 |
11.49% |
1.00% |
August 15, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 822641. Member loan 822641 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,917 / month |
Current employer: | Time Warner Cable | Debt-to-income ratio: | 10.19% |
Length of employment: | 7 years | Location: | Ozone Park, NY |
Home town: | |||
Current & past employers: | Time Warner Cable | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,313.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 78.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 822685
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
822685 |
$14,500 |
$14,500 |
15.99% |
1.00% |
August 10, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 822685. Member loan 822685 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,083 / month |
Current employer: | Educational Employees Credit Union | Debt-to-income ratio: | 15.36% |
Length of employment: | 4 years | Location: | DENTON, TX |
Home town: | |||
Current & past employers: | Educational Employees Credit Union | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/28/11 > Personal loan Lending Club
A credit bureau reported the following information about this borrower member on July 21, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 67 |
Revolving Credit Balance: | $27.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage: 492 Auto insurance (liability only): 43 Food: 100 Gas: 100 Utilities (elec and water): 110 Cell phone: 74 Roadside assistance: 6 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage: 492 Auto insurance (liability only): 43 Food: 100 Gas: 100 Utilities (elec and water): 110 Cell phone: 74 Roadside assistance: 6 |
Please provide additional details regarding the purpose of the loan | I would like to buy a piece of real estate as an investment that is asking $45,000 and I only need the $14,500 for closing and fixing it up. The other portion will be paid with cash I have saved up. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I plan on purchasing a single family home that has 3 bedrooms and 2 baths that has an asking price of $45,000. I plan on using the $14,500 as monies for renovations. I am then going to rent out that house for $700/mon in an area that will support that rental amount. |
Member Payment Dependent Notes Series 822924
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
822924 |
$14,675 |
$14,675 |
16.89% |
1.00% |
August 11, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 822924. Member loan 822924 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,097 / month |
Current employer: | Ron LeMaster Insurance | Debt-to-income ratio: | 19.41% |
Length of employment: | < 1 year | Location: | SOUTH SHORE, KY |
Home town: | |||
Current & past employers: | Ron LeMaster Insurance | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > The loan will be used for debt consolidation. I make my payments as agreed and would just like to get all my debts in one payment instead of different days of the month. I have been working at my current employer for 11 months and I have just taken a second job through the government.
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,421.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 96.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards - 6338.00 - 25.99% - $172.00 personal loan - 4482.00 - 10.25% - $129.00 security agreement- 1866.00 - not sure of interest rate - $54.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent $150, phone $130, car payment $232, insurance $117.00, electric $90, Water $30.00, tv $60, gas heat $30 - $90, transportation $100, food $400. |
Member Payment Dependent Notes Series 823162
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
823162 |
$12,375 |
$12,375 |
11.99% |
1.00% |
August 11, 2011 |
August 3, 2014 |
August 3, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 823162. Member loan 823162 was requested on July 20, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,000 / month |
Current employer: | n/a | Debt-to-income ratio: | 24.13% |
Length of employment: | < 1 year | Location: | Kansas City, MO |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 20, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $489.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 11.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 823379
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
823379 |
$20,000 |
$20,000 |
17.49% |
1.00% |
August 10, 2011 |
August 10, 2016 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 823379. Member loan 823379 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,583 / month |
Current employer: | UBS | Debt-to-income ratio: | 18.44% |
Length of employment: | 1 year | Location: | Bayside, NY |
Home town: | |||
Current & past employers: | UBS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/27/11 > This loan is being used to pay off credit card debt that I obtained while in school. I have been working at a very large bank with a great salary and would like to now pay off my debt in 5 years. I have no other expenses so the monthly payment is not a problem for me to make. Thank you. Borrower added on 07/27/11 > I plan to use these funds to pay off debt I obtained while in school. I have been working for the past 4 years and have a great salary coming in every month. It is much easier for me to have one loan payment a month so I know exactly what I need to pay. My job is very stable and the monthly payment is very low considering I do not have many other expenses. I live with my Grandmother therefore do not pay for rent. The only expense I have is my phone bill. Thank you.
A credit bureau reported the following information about this borrower member on July 20, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $16,835.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 67.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Hi, My intended use is to consolidate credit card debt I amassed while in school. I have now been working for 4 years and am earning a very nice salary in which I could use to pay 1 monthly payment. It is just alot easier to make 1 payment each month rather then worry about paying down 3 credit cards. Plus right now I barely have any expenses so the monthly payment is only a fraction of my take home each month. Thanks for the question. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I only have 2 credit cards. The combined minimum monthly is $310. With this loan both credit cards will be paid off and this loan payment will be my only payment each month. Thank you. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - 0 Transportation - 233 Utilities - 0 Phone - 65 Food - on averager 300 The reason for my minimal expenses is that I live at home rent free. That is why this will pretty much be my only expense other than food, phone and transportation. Thank you. |
Member Payment Dependent Notes Series 823549
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
823549 |
$10,000 |
$10,000 |
7.49% |
1.00% |
August 15, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 823549. Member loan 823549 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,833 / month |
Current employer: | UCSF Medical Center | Debt-to-income ratio: | 21.35% |
Length of employment: | 2 years | Location: | Vallejo, CA |
Home town: | |||
Current & past employers: | UCSF Medical Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > Recently purchased a home and have several small projects to be completed
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,742.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 71.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I had been self employed for two years, before my current job and incurred some debt related to that. I decided to return to my profession, a bit over 2 years ago, in which I have 30 years experience. |
Member Payment Dependent Notes Series 823812
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
823812 |
$12,000 |
$12,000 |
15.99% |
1.00% |
August 12, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 823812. Member loan 823812 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,917 / month |
Current employer: | Ajax TOCCO Magnethermic | Debt-to-income ratio: | 14.72% |
Length of employment: | 9 years | Location: | Clinton Twp, MI |
Home town: | |||
Current & past employers: | Ajax TOCCO Magnethermic | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > Thank you for helping me with my loan Borrower added on 07/29/11 > thanks
A credit bureau reported the following information about this borrower member on July 21, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | 24 |
Revolving Credit Balance: | $3,441.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 43.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Family Boat , rebuild |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $3,500.00 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Priority of allocation is as follows A. Pay of 20% credit line = $ 2,543.00 B. Recodition boat 30' sea ray prepare for sale C.If funds remain after A&B above return on principal of loan |
Member Payment Dependent Notes Series 824040
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
824040 |
$35,000 |
$35,000 |
17.49% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 824040. Member loan 824040 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,167 / month |
Current employer: | Burlington Coat Factory | Debt-to-income ratio: | 13.53% |
Length of employment: | 1 year | Location: | staten Island, NY |
Home town: | |||
Current & past employers: | Burlington Coat Factory | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I plan to use this loan to finance a business with my friend. I have been working FT for over 18 years and want to work for myself. I plan to have this business grow exponentially within the 1st year.
A credit bureau reported the following information about this borrower member on July 22, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 49 |
Revolving Credit Balance: | $18,116.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 44.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Use credit to purchase, and am in the process of paying off all debt. |
Member Payment Dependent Notes Series 824566
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
824566 |
$20,000 |
$20,000 |
11.49% |
1.00% |
August 16, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 824566. Member loan 824566 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,000 / month |
Current employer: | State of California | Debt-to-income ratio: | 12.92% |
Length of employment: | 4 years | Location: | Riverside, CA |
Home town: | |||
Current & past employers: | State of California | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 21, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $20,638.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | $1250 PITI |
Please explain the reason why you carry a large revolving credit balance. | Was in an accident and on disability for almost a year then when I returned the state began the furlough program resulting in 15% cut in pay. Furloughs have ended |
What is the total balance of your credit cards, interest rates and current monthly payments? | Visa $12,000 payment $260 Discover $8,000 payment $170 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | $1250 PITI |
What is the total balance of your credit cards, interest rates and current monthly payments? | Visa $12,000 payment $260 Discover $8,000 payment $170 |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Visa $12,000 9.9% payment $260 Discover 14.9% $8,000 payment $170 |
Member Payment Dependent Notes Series 825187
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
825187 |
$10,800 |
$10,800 |
5.42% |
1.00% |
August 12, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 825187. Member loan 825187 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,750 / month |
Current employer: | Honeywell Int. | Debt-to-income ratio: | 10.94% |
Length of employment: | 10+ years | Location: | Palm Harbor, FL |
Home town: | |||
Current & past employers: | Honeywell Int. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 21, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 41 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,744.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 19.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Master bathroom remodel and replacing a piece of super gutter on rear of home. |
Please explain the reason why you carry a large revolving credit balance. | The only balances I currently have is 1.2k on an interest free card and 3k on another low interest card. That's it. All other credit balances were paid in full about a month ago.. It could be that not all reporting has caught up yet through the bureaus. |
Member Payment Dependent Notes Series 825662
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
825662 |
$19,800 |
$19,800 |
12.99% |
1.00% |
August 10, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 825662. Member loan 825662 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,750 / month |
Current employer: | Teleflex Medical | Debt-to-income ratio: | 11.84% |
Length of employment: | 2 years | Location: | Asheboro, NC |
Home town: | |||
Current & past employers: | Teleflex Medical | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > I will be using this money to remodel my home and pay off two outstanding debts, which is a minimal amount of the loan. The rest of the money will be used for remodeling projects such as new roofing, new windows, and new flooring. And since I have experience in remodeling of homes and have all the necessary tools needed, I will be able to do these projects myself. This will also allow me to keep my costs lower and enable me to accomplish more with this loan amount. Borrower added on 08/06/11 > I want to assure all the investors that I have always repaid loans in which I have gotten. I have always lived by the idea that my bills get paid before anything else, that I have always been a responsible person who understands the responsiblities and my obligations to repay any loan that I may have. So, that they can feel confident that this loan will also be paid in a timely manner.
A credit bureau reported the following information about this borrower member on July 22, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,418.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 40.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I intend to use the proceeds of this loan for home improvements, but also pay off the remaining balance of two outstanding debts (which are a minimal amount of the loan. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses do not exceed 2/3 of my income. Also two of these expenses will be paid off with a portion of this loan. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses do not exceed 2/3 of my income. Also two of these expenses will be paid off with a portion of this loan. |
Member Payment Dependent Notes Series 825841
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
825841 |
$5,000 |
$5,000 |
12.99% |
1.00% |
August 17, 2011 |
August 5, 2014 |
August 5, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 825841. Member loan 825841 was requested on July 22, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,950 / month |
Current employer: | Pfizer | Debt-to-income ratio: | 5.14% |
Length of employment: | 3 years | Location: | waltham, MA |
Home town: | |||
Current & past employers: | Pfizer | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/22/11 > Moving to a new place after 2 years and in desperate need of new/better furniture. Would be putting purchases on a credit card, but a LC loan would provide much better rates. Thanks!
A credit bureau reported the following information about this borrower member on July 22, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 9 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,351.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 826476
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
826476 |
$10,400 |
$10,400 |
5.99% |
1.00% |
August 12, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 826476. Member loan 826476 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,583 / month |
Current employer: | SoCalGas | Debt-to-income ratio: | 12.11% |
Length of employment: | 9 years | Location: | beaumont, CA |
Home town: | |||
Current & past employers: | SoCalGas | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 22, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $27.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To consolidate 2 credit cards into 1 payment at a lower interest rate and a timeline for payoff. |
What is your intended use for the loan proceeds? | To consolidate 2 credit cards into 1 payment at a lower interest rate and a timeline for payoff. |
What is your intended use for the loan proceeds? | To consolidate 2 credit cards into 1 payment at a lower interest rate and a timeline for payoff. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | housing 1256.xx we pay our prop taxes seperately in dec and april-$1800 insurance is about $956 every 6 months utilities-about $400 car paymts-$650 ***I usually spend about $500 on credit cards, and getting this loan will take it down to approx $361.*** I hope this helps. Thanks, in advance. |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | AMEX- interest rate 15.24%, min: $108.00, current outstanding: $44XX.XX Mastercard:8.9% (Prime + 5.65%), min pymt: it usually says zero b/c i make 2 pymts each month of about $200.00 (i checked the last few months' statements) outstanding: $11,5XX.XX |
Member Payment Dependent Notes Series 826963
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
826963 |
$5,850 |
$5,850 |
7.49% |
1.00% |
August 10, 2011 |
August 14, 2014 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 826963. Member loan 826963 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,000 / month |
Current employer: | IC Engineering | Debt-to-income ratio: | 9.70% |
Length of employment: | 4 years | Location: | WALNUT CREEK, CA |
Home town: | |||
Current & past employers: | IC Engineering | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I am using this loan for debt consolidation. I have a steady job and a good working relationship with my boss. I have never made a late payment on any of my credit accounts. My monthly budget is well within my means and I have never gone over my budget.
A credit bureau reported the following information about this borrower member on July 31, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,754.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 25.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit card balance - $309.60, interest rate is 14% and monthly payment is $30 Car loan balance - 4426.12, interest rate is 5.49% and monthly payment is $143.81 Line of credit balance - 2878.61, interest rate is 12.9% and monthly payment is $58.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is $1174 Utilities is $40 Phone is $100 Food is $250 Transportation is $75 |
What is your intended use for the loan proceeds? | To consolidate my debt. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Rent is $1174 Insurance is $100 Phone is $100 Utilities is $40 Food is $250 |
If you have a delinquency in the last 2 years, please explain the reason. | I don't have a delinquency in the last 2 years |
Which debts do you plan to pay off with this loan? | Personal line of credit and a used car so that my ex will stop harassing me. |
Which debts do you plan to pay off with this loan? | Pay off my line of credit and used car loan |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am paying off a used car loan and a line of credit. About 75% of this loan will be for the used car. |
Member Payment Dependent Notes Series 827549
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
827549 |
$22,000 |
$22,000 |
15.23% |
1.00% |
August 17, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 827549. Member loan 827549 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,750 / month |
Current employer: | Amerisource Bergen Corporation | Debt-to-income ratio: | 13.52% |
Length of employment: | 10+ years | Location: | Honolulu, HI |
Home town: | |||
Current & past employers: | Amerisource Bergen Corporation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > Will use funds to consolidate debt and to finish upgrades to home for future sale. I conservatively estimate profit on sale to be 50K - 60K. Job is stable-just made 18 years of service on July 19, 2011.
A credit bureau reported the following information about this borrower member on July 26, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,290.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Consolidate debt and to make home improvements(kitchen and bath) |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage- $172,900 @4%adj.$876.90/mo.,Chase- $5,578@12.24%$115/mo., Citi-$3,655@15.24%$75/mo.,Discover$2936@22.99%$75/mo. |
Member Payment Dependent Notes Series 828102
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
828102 |
$4,500 |
$4,500 |
7.49% |
1.00% |
August 11, 2011 |
August 10, 2014 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 828102. Member loan 828102 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,500 / month |
Current employer: | n/a | Debt-to-income ratio: | 4.00% |
Length of employment: | n/a | Location: | spencer, MA |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/28/11 > car repairs/ bill consolidation
A credit bureau reported the following information about this borrower member on July 24, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 6 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,793.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 35.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 828241
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
828241 |
$10,000 |
$10,000 |
5.99% |
1.00% |
August 17, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 828241. Member loan 828241 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $11,750 / month |
Current employer: | The Judge Group | Debt-to-income ratio: | 1.39% |
Length of employment: | < 1 year | Location: | Rancocas, NJ |
Home town: | |||
Current & past employers: | The Judge Group | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > The funds will be used to seed the marketing campaign to grow the newly acquired retail business in Miami Beach. Borrower added on 08/03/11 > The funds will be used to seed the marketing campaign of a retail business. null
A credit bureau reported the following information about this borrower member on July 24, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1983 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,630.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 25.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 828497
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
828497 |
$4,500 |
$4,500 |
9.99% |
1.00% |
August 11, 2011 |
August 7, 2014 |
August 7, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 828497. Member loan 828497 was requested on July 24, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,000 / month |
Current employer: | Suddenlink | Debt-to-income ratio: | 15.63% |
Length of employment: | 7 years | Location: | Midland, TX |
Home town: | |||
Current & past employers: | Suddenlink | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 24, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 72 |
Revolving Credit Balance: | $1,499.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 25.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Approx. $1700 |
What is your intended use for the loan proceeds? | Pay off hospital bill not covered by insurance. |
Member Payment Dependent Notes Series 829868
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
829868 |
$15,000 |
$15,000 |
10.99% |
1.00% |
August 15, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 829868. Member loan 829868 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,283 / month |
Current employer: | pioneer electronics | Debt-to-income ratio: | 22.88% |
Length of employment: | 10+ years | Location: | REDONDO BEACH, CA |
Home town: | |||
Current & past employers: | pioneer electronics | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Payoff high interest credit cards and get a better rate with Lending Club. Borrower added on 08/08/11 > I will utilize the funds to payoff my credit card debt. I pay my bills on time to ensure that I keep my good credit rating. This is very important to me. Borrower added on 08/08/11 > Hello Borrower added on 08/08/11 > I will utilize the funds to payoff my credit card debt. I pay my bills on time to make sure I keep my good credit. This is very important to me. Borrower added on 08/08/11 > , Borrower added on 08/08/11 > I am living well within my means and I have been with my current employer for 15 1/2 years. Our company is doing well financially.
A credit bureau reported the following information about this borrower member on July 25, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,099.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 77.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 830156
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
830156 |
$13,000 |
$13,000 |
10.59% |
1.00% |
August 11, 2011 |
August 8, 2016 |
August 8, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 830156. Member loan 830156 was requested on July 25, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,159 / month |
Current employer: | n/a | Debt-to-income ratio: | 5.97% |
Length of employment: | 5 years | Location: | Wrightstown, NJ |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/30/11 > With the new business contracts that I have in place, my net income this year should be several times that of last year. Problem is they will not start cash-flowing for another 90-120 days. Need to finish home improvement projects asap because I have started traveling too much for business (east coast to west coast weekly-bi-weekly) in the next month or so.
A credit bureau reported the following information about this borrower member on July 25, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $0.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please provide additional details regarding the purpose of the loan | Loan proceeds are to finish a home improvement project on my house. Loan proceeds will cover materials and labor. |
What is your intended use for the loan proceeds? | Proceeds are to finish home improvement project. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage (including taxes & insurance) $3450/mo, car payment $405/mo, phones/internet $350, Fuel oil/propane/electric/gas ~$1,000/mo, Credit card $500/mo (balance ~$8500), Food/household goods ~$600-$800/mo, Insurance & misc. ~$450/mo. Total household expenses typically net out to be around $6,800-$7,200/mo. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage (including taxes & insurance) $3450/mo, car payment $405/mo, phones/internet $350, Fuel oil/propane/electric/gas ~$1,000/mo, Credit card $500/mo (balance ~$8500), Food/household goods ~$600-$800/mo, Insurance & misc. ~$450/mo. Total household expenses typically net out to be around $6,800-$7,200/mo. |
Member Payment Dependent Notes Series 830744
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
830744 |
$3,000 |
$3,000 |
11.99% |
1.00% |
August 17, 2011 |
August 11, 2014 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 830744. Member loan 830744 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $11,083 / month |
Current employer: | Bank of America | Debt-to-income ratio: | 16.36% |
Length of employment: | 10+ years | Location: | Seekonk, MA |
Home town: | |||
Current & past employers: | Bank of America | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/28/11 > Loan will be used to pay off last season's heating oil balance mostly charged to Amex. I have a perfect payment record and take my obligations VERY seriously. I have been employed by Bank of America for over 30 years.
A credit bureau reported the following information about this borrower member on July 26, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $42,095.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 88.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Cashflow management. |
Member Payment Dependent Notes Series 830830
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
830830 |
$35,000 |
$35,000 |
20.25% |
1.00% |
August 11, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 830830. Member loan 830830 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,750 / month |
Current employer: | n/a | Debt-to-income ratio: | 15.97% |
Length of employment: | n/a | Location: | cappitol heights, MD |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/28/11 > thank you very much. I have never made any late payments towards any of my credit cards and this debt consolidation although the interest rate is high is a blessing to me Borrower added on 07/28/11 > Thank you I previously entered a description
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 9 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $26,485.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Good Evening: My total credit card debit is about $40,000.00. My interest rates on the following cards are: Suntrust 25.9% balance $4,550.00, Bank of America 9.15% balance $2,100.00, Discover 19.49% balance $8,800.00, Chase 28% balance $1,800.00, HSBC 24.99% balance $8,200.00, American Express 14.5% balance $1,653.00 and FIA 13% balance $13,000.00. My rent is $955.00 per month |
Which debts do you plan to pay off with this loan? | I plan on paying off as much credit card debt as possible. It appears that I will be able to pay six out of the seven cards off but I will have to figure which cards based on interest rates Several credit card companies have not lower my interest rate although I have never been late or missed any payments. This consolidation loan will allow me to make one payment, keep my good credit score rating and pay off the debt in a much faster and timely manner. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | my total monthly expenses are about $2351.00 including my rent of $965.00. |
Please explain the reason why you carry a large revolving credit balance. | This credit card debt has accumulated over the years due to car repairs, helping my son and his family,paying dental bills and making unnecessary charges I never made any late payments but several credit card companies started raising my interest rate. |
Member Payment Dependent Notes Series 830870
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
830870 |
$15,000 |
$15,000 |
15.99% |
1.00% |
August 16, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 830870. Member loan 830870 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,917 / month |
Current employer: | Pinellas Auto | Debt-to-income ratio: | 11.85% |
Length of employment: | 10+ years | Location: | New Port Richey, FL |
Home town: | |||
Current & past employers: | Pinellas Auto | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > Consolodating debt, closing all but one or two credit accounts (leaving open for emergencies) and saving for my family's future. I've always maintained good standing with my lenders, but I need to free myself and my family from debt. This loan gives me the opportunity to reach my goals, save for our future home and to be debt free in 5 years or less. Borrower added on 08/02/11 > Also, I have been employee'd at the same job for 11, as of June. null
A credit bureau reported the following information about this borrower member on July 26, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | 14 |
Revolving Credit Balance: | $8,937.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | There is only one delinquency on my account in the last 2 years. This was due to a large unexpected expense, which was quickly resolved and paid within 30 days. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Around $2250 for monthly housing expenses. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | - Mortgage $950 (including insurance and taxes), balance aaprox. 85,000 - 2nd Mortgage $556 - balance approx. $39,000 - Credit Card Debt $24,790 (16,960 at 5.99 apr and 7,830 at 22.3 apr) - part of this balance is included in what I would like to consolidate and pay off faster. - Auto Loan balance 11,235 (411.38 per month at 12.9% apr) - No student loans or additional lines of credit |
Member Payment Dependent Notes Series 831123
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
831123 |
$35,000 |
$35,000 |
15.23% |
1.00% |
August 10, 2011 |
August 9, 2016 |
August 9, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 831123. Member loan 831123 was requested on July 26, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $13,583 / month |
Current employer: | First Advantage | Debt-to-income ratio: | 3.70% |
Length of employment: | 9 years | Location: | Cortlandt Manor, NY |
Home town: | |||
Current & past employers: | First Advantage | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 26, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $47,644.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 831149
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
831149 |
$12,000 |
$12,000 |
9.99% |
1.00% |
August 16, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 831149. Member loan 831149 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $8,000 / month |
Current employer: | Anika Therapeutics | Debt-to-income ratio: | 1.43% |
Length of employment: | 1 year | Location: | West Roxbury, MA |
Home town: | |||
Current & past employers: | Anika Therapeutics | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I have no student loans, no current car payment, and no substantive monthly bills to worry about (aside from cable, phone, insurance, etc.) I am responsible on for the property taxes and utilities for my current residence (i.e. no rent). I have not been late on a credit card payment, nor do I have any negative records on file. I would like this loan, in part, because I would like to establish an installment payment to boost my credit score.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 2 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,683.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 41.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 831172
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
831172 |
$8,000 |
$8,000 |
18.79% |
1.00% |
August 15, 2011 |
August 24, 2016 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 831172. Member loan 831172 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,125 / month |
Current employer: | Gulf IntraCoastal Constructors | Debt-to-income ratio: | 5.21% |
Length of employment: | 10+ years | Location: | Waggaman, LA |
Home town: | |||
Current & past employers: | Gulf IntraCoastal Constructors | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 26, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | 80 |
Revolving Credit Balance: | $6,446.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 56.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | approx 4600 a month minus food for all expenses, food varies between 750-1000 a month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards and loans approx $29975 with and ave apr of 17% (approx 850 a month in min payments) Mortgage (all inclusive) $2061 at 5.375% Car $613 at 6.5%, insurance $129 |
What is your intended use for the loan proceeds? | Debt consolidation! All debt other than mortgage and car. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 2061 per month for all included fees (tax, mortgage, insurance, etc.) |
Which debts do you plan to pay off with this loan? | All debt other than mortgage and car (approx. $30,000) |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards and loans approx $29975 with and ave apr of 17% (approx 850 a month in min payments) Mortgage (all inclusive) $2061 at 5.375% Car $613 at 6.5%, insurance $129 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Paying down/off credit card balances. The amountapplied for covers all aacounts except mortgage and car. |
Please explain the reason why you carry a large revolving credit balance. | Might debt revolves around having one income, being moved several times to states with higher cost of living from previous places with the same pay. In order to stay afloat and pay for my sons three surguries, grocieries, rent, and everything else the costs added up. |
Please explain the reason why you carry a large revolving credit balance. | I needed credit to cover expenses that I could not afford several years back due to a single income, hospital bills, children, high cost of living in the states my company kept moving me to with my same base salary, etc. |
Member Payment Dependent Notes Series 831199
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
831199 |
$20,000 |
$20,000 |
18.39% |
1.00% |
August 11, 2011 |
August 9, 2016 |
August 9, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 831199. Member loan 831199 was requested on July 26, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,083 / month |
Current employer: | SALINAS VALLEY FORD | Debt-to-income ratio: | 17.63% |
Length of employment: | 8 years | Location: | HOLLISTER, CA |
Home town: | |||
Current & past employers: | SALINAS VALLEY FORD | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/26/11 > POOL LOAN..TOTAL COST 48500.00. WE HAVE THE BALANCE TO COMPLETE THE ADDITION. Borrower added on 07/26/11 > STEADY INCOME AND NEVER LATE WITH PAYMENTS. WILL MOST LIKELY PAYOFF EARLY
A credit bureau reported the following information about this borrower member on July 26, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1982 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $20,738.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 75.40% | Months Since Last Record: | 106 |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I ALSO HAVE A HOME BASED BUSINESS IN WHICH I PURCHACED GOODS FOR RESALE. BUSINESS HAS GROWN VERY QUICKLY AND MOST OF MY CUSTOMERS ARE NET 30.I USE THE CREDIT TO BUY PRODUCTS FOR THE BUSINESS. THE BUSINESS HAS TRIPLED IN THE LAST YEAR. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | ABOUT 1800.00 |
If you have a public record on file, please briefly explain the event and its resolution. | FILED BAKRUPTCY ALMOST 10 YEARS AGO DUE TO DIVORCE.SINCE THEN MADE SURE TO KEEP BUILDING CREDIT AND NOT HAVE ANY NEGATIVE ON MY CREDIT FILE.. |
Member Payment Dependent Notes Series 831331
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
831331 |
$35,000 |
$35,000 |
19.69% |
1.00% |
August 17, 2011 |
August 10, 2016 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 831331. Member loan 831331 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $11,396 / month |
Current employer: | n/a | Debt-to-income ratio: | 5.44% |
Length of employment: | 10+ years | Location: | Overland Park, KS |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Business loan for A/R for consulting project that is completed, workers are paid, just waiting for clients to pay us and they are late. Need funds to keep workers on new projects while waiting for payments from clients Borrower added on 07/27/11 > Loan based on accounts receivable for consulting work that has been completed and costs already paid, for case where clients are late in paying us for the work, and so we can continue to pay people to work on new projects. Borrower added on 07/27/11 > Business loan on A/R for consulting project that has been completed where workers have been paid, awaiting late payment from clients. Need funds to keep workers paid to work on new projects signed off. null
A credit bureau reported the following information about this borrower member on July 26, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,389.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 47.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | current personal expenses are low: house payment: $1,900 per month food: $400 per month one credit card: approx $250 mo. I have tried to get a bank loan, but they say they need a lien on house or building. I have 4 months left on a business loan and then i am in the clear, it will free up $10K per month in cash flow. current business revenue: (plus last 5 years) JANUARY FEBRUARY MARCH APRIL MAY JUNE JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBER YEARLY TOTAL 2005 $19,810.82 $17,964.96 $22,128.76 $22,634.76 $22,966.84 $20,474.96 $15,349.17 $18,984.95 $16,460.06 $17,564.94 $16,582.05 $14,231.19 $225,153.46 2006 $16,913.09 $18,990.97 $32,966.18 $26,170.92 $25,454.94 $28,206.77 $27,066.99 $19,105.19 $30,038.90 $30,566.91 $33,322.87 $18,651.32 $307,455.05 2007 $37,068.78 $26,317.22 $35,733.86 $31,746.94 $42,261.47 $43,282.02 $33,200.08 $46,368.86 $29,601.10 $40,914.02 $26,765.94 $34,233.33 $427,493.62 2008 $31,855.10 $48,614.85 $43,943.94 $44,400.77 $88,781.91 $73,086.39 $89,182.68 $43,897.63 $54,906.41 $85,014.19 $51,717.53 $50,511.11 $705,912.51 2009 $41,512.77 $67,608.34 $34,169.02 $62,867.34 $40,440.56 $28,961.14 $26,682.14 $31,426.28 $36,355.46 $29,834.05 $53,439.38 $37,209.30 $490,505.78 2010 $26,297.29 $32,746.46 $39,079.24 $22,800.26 $27,529.33 $29,226.13 $34,326.31 $88,018.26 $22,306.61 $31,318.51 $31,976.35 $23,922.18 $409,546.93 2011 $27,881.93 $29,986.66 $72,750.67 $37,616.94 $68,551.17 $48,388.89 $39,446.41 $574,622.67 |
What do you project your monthly revenues for the first 6 months to be? | below is historical and current revenue (last 5 years, this year and next few year projections). I am currently looking for VC capital which I am confident I can get within 90 days, to get me through until my business loan is paid off (4 months). I am pasting this chart from Excel, you will have to copy /paste into excel to see the totals right. JANUARY FEBRUARY MARCH APRIL MAY JUNE JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBER YEARLY TOTAL 2005 $19,810.82 $17,964.96 $22,128.76 $22,634.76 $22,966.84 $20,474.96 $15,349.17 $18,984.95 $16,460.06 $17,564.94 $16,582.05 $14,231.19 $225,153.46 2006 $16,913.09 $18,990.97 $32,966.18 $26,170.92 $25,454.94 $28,206.77 $27,066.99 $19,105.19 $30,038.90 $30,566.91 $33,322.87 $18,651.32 $307,455.05 2007 $37,068.78 $26,317.22 $35,733.86 $31,746.94 $42,261.47 $43,282.02 $33,200.08 $46,368.86 $29,601.10 $40,914.02 $26,765.94 $34,233.33 $427,493.62 2008 $31,855.10 $48,614.85 $43,943.94 $44,400.77 $88,781.91 $73,086.39 $89,182.68 $43,897.63 $54,906.41 $85,014.19 $51,717.53 $50,511.11 $705,912.51 2009 $41,512.77 $67,608.34 $34,169.02 $62,867.34 $40,440.56 $28,961.14 $26,682.14 $31,426.28 $36,355.46 $29,834.05 $53,439.38 $37,209.30 $490,505.78 2010 $26,297.29 $32,746.46 $39,079.24 $22,800.26 $27,529.33 $29,226.13 $34,326.31 $88,018.26 $22,306.61 $31,318.51 $31,976.35 $23,922.18 $409,546.93 2011 $27,881.93 $29,986.66 $72,750.67 $37,616.94 $68,551.17 $48,388.89 $39,446.41 $574,622.67 35% growth rate PROJECTION: NEXT 5 YEARS WITH CAPITAL Based on historical data, the funding will be used to broaden current product offerings and expand sales, marketing, and business development initiatives in response to growing market demand. Based on historical data at current growth rate plus 10% JANUARY FEBRUARY MARCH APRIL MAY JUNE JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBER EST. YEARLY TOTAL 2012 $60,193.52 $98,032.09 $105,488.47 $91,157.64 $128,733.77 $105,975.27 $129,314.89 $127,626.48 $79,614.29 $123,270.58 $77,487.10 $73,241.11 $1,200,135.20 2013 $87,280.60 $142,146.53 $152,958.28 $132,178.58 $186,663.97 $153,664.13 $187,506.58 $185,058.39 $115,440.73 $178,742.33 $112,356.30 $106,199.61 $1,740,196.04 2014 $126,556.87 $206,112.48 $221,789.51 $191,658.94 $270,662.75 $222,813.00 $271,884.55 $268,334.67 $167,389.05 $259,176.38 $162,916.63 $153,989.43 $2,523,284.26 2015 $183,507.46 $298,863.09 $321,594.79 $277,905.47 $392,460.99 $323,078.84 $394,232.59 $389,085.27 $242,714.13 $375,805.76 $236,229.11 $223,284.68 $3,658,762.18 2016 $266,085.82 $433,351.48 $466,312.45 $402,962.93 $569,068.43 $468,464.32 $571,637.26 $564,173.64 $351,935.49 $544,918.35 $342,532.21 $323,762.78 $5,305,205.16 |
Can you provide some high level financials on the monthly costs / revenue of your business? | 2011 revenues will be approximately $574K. Profit will be approximately $140K. Expenses are advertising, contractors (programmer and tech support), commission only sales people, cost for servers where we host our software for clients. The remaining is $10K month business loan payment, which will be paid off in December 2011 (in 4 months) which will free up plenty of capital to keep my workers on. I have a good team and hate to let good people go when I know things will turn around when I get receivables in. I am pursuing full time all avenues of help and have several VC companies looking right now, just needed some capital to get me through next 6 months until I get a VC partner or buyer. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | current personal expenses are low: house payment: $1,900 per month food: $400 per month one credit card: approx $250 mo. I have tried to get a bank loan, but they say they need a lien on house or building. I have 4 months left on a business loan and then i am in the clear, it will free up $10K per month in cash flow. current business revenue: (plus last 5 years) JANUARY FEBRUARY MARCH APRIL MAY JUNE JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBER YEARLY TOTAL 2005 $19,810.82 $17,964.96 $22,128.76 $22,634.76 $22,966.84 $20,474.96 $15,349.17 $18,984.95 $16,460.06 $17,564.94 $16,582.05 $14,231.19 $225,153.46 2006 $16,913.09 $18,990.97 $32,966.18 $26,170.92 $25,454.94 $28,206.77 $27,066.99 $19,105.19 $30,038.90 $30,566.91 $33,322.87 $18,651.32 $307,455.05 2007 $37,068.78 $26,317.22 $35,733.86 $31,746.94 $42,261.47 $43,282.02 $33,200.08 $46,368.86 $29,601.10 $40,914.02 $26,765.94 $34,233.33 $427,493.62 2008 $31,855.10 $48,614.85 $43,943.94 $44,400.77 $88,781.91 $73,086.39 $89,182.68 $43,897.63 $54,906.41 $85,014.19 $51,717.53 $50,511.11 $705,912.51 2009 $41,512.77 $67,608.34 $34,169.02 $62,867.34 $40,440.56 $28,961.14 $26,682.14 $31,426.28 $36,355.46 $29,834.05 $53,439.38 $37,209.30 $490,505.78 2010 $26,297.29 $32,746.46 $39,079.24 $22,800.26 $27,529.33 $29,226.13 $34,326.31 $88,018.26 $22,306.61 $31,318.51 $31,976.35 $23,922.18 $409,546.93 2011 $27,881.93 $29,986.66 $72,750.67 $37,616.94 $68,551.17 $48,388.89 $39,446.41 $574,622.67 |
Member Payment Dependent Notes Series 831407
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
831407 |
$20,000 |
$20,000 |
17.49% |
1.00% |
August 16, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 831407. Member loan 831407 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,042 / month |
Current employer: | Omnicare Pharmacy | Debt-to-income ratio: | 13.86% |
Length of employment: | 7 years | Location: | casselberry , FL |
Home town: | |||
Current & past employers: | Omnicare Pharmacy | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > finish home improvements
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 38 | Months Since Last Delinquency: | 61 |
Revolving Credit Balance: | $10,002.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 18.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | $800.00 |
What is the home improvement project you are planning? | kitchen repair |
Is the improvement to your primary residence or an investment property? | primary |
Member Payment Dependent Notes Series 831552
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
831552 |
$7,000 |
$7,000 |
17.49% |
1.00% |
August 11, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 831552. Member loan 831552 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,750 / month |
Current employer: | Emory University | Debt-to-income ratio: | 21.89% |
Length of employment: | 6 years | Location: | Mableton, GA |
Home town: | |||
Current & past employers: | Emory University | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
I took out a $13,000 loan from my 401k in 2009 to help pay for repairs to my house due to massive flooding. I didn't qualify for a FEMA loan because I just bought my house that year and didn't have any items in my basement that were damaged. I have managed to pay $6900 of the loan off to date. Presently I am looking for job opportunities in the Biotech field that pay better than an academic job. I would like to go ahead and have this loan in place so I do not default on the remaining balance of my 401k loan.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 33 |
Revolving Credit Balance: | $13,105.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 77.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I am rounding these up to whole numbers. Also, I am married and my husband's income is $47,500 annually. Mortgage - $1300 this includes escrow for insurance and taxes Insurance is around $600 and taxes are around $1350 that are paid from escrow. Cable/internet - $106 Gas - $25-$100 depending on time of year Water - $40-$60 depending on time of year Power - $85-$200 depending on time of year I do not have a home equity loan or a line of credit. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage - $181,354 remaining @ 5.0% fixed payment - $1300 which includes escrow 401k loan - $6100 remaining @5.05% originally $13,000 payment - $160 min been sending $200-$300 extra a month lately Visa - $5800 @19.99% $9000 limit account closed to keep rate payment - min $161 been sending $200-$300 Chase - $1700 @12% $2500 limit payment - min $85 been sending $100 BOA Mastercard - $7000 @13.99 $8500 limit payment - min $160 been sending $225 BOA Visa - $0 @27.99% - $1500 limit Student loan $65,000 rate varies from 4.25% - 7% Loan is not in repayment. I obtained my masters in 2008 and presently have been taking business classes at the University I work for. This has allowed me to keep the loan in deferment. The balances are high on the BOA and Visa because I had transfer my husband's bad credit card debt to my cards after we were married. Not the smartest move I admit, but his rates were close to 30%. |
What is your intended use for the loan proceeds? | I intend to pay off the remaining balance of the 401K loan and Lending Club's fees with the loan. |
Member Payment Dependent Notes Series 831684
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
831684 |
$16,000 |
$16,000 |
15.23% |
1.00% |
August 10, 2011 |
August 9, 2016 |
August 9, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 831684. Member loan 831684 was requested on July 26, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,750 / month |
Current employer: | california amforge corp | Debt-to-income ratio: | 8.67% |
Length of employment: | 7 years | Location: | la puente, CA |
Home town: | |||
Current & past employers: | california amforge corp | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/11 > real estate project Borrower added on 07/11/11 > real estate investment Borrower added on 07/08/11 > real estate project Borrower added on 07/11/11 > real estate investment
A credit bureau reported the following information about this borrower member on June 16, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 9 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $0.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What type of business are you starting? | Real Estate investment |
Member Payment Dependent Notes Series 831814
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
831814 |
$35,000 |
$35,000 |
12.99% |
1.00% |
August 16, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 831814. Member loan 831814 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,250 / month |
Current employer: | lynwood unified school dist. | Debt-to-income ratio: | 11.54% |
Length of employment: | 10+ years | Location: | lynwood, CA |
Home town: | |||
Current & past employers: | lynwood unified school dist. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 26, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $19,791.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 62.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | credit cards |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | rei visa-8000@19%, nea visa-4500@19%, cta visa-4500@15%, dis. card-4100@15% 1500 mo pay for all credit cards |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | rei visa-8000@19%, nea visa-4500@19%, cta visa-4500@15%, dis. card-4100@15% 1500 mo pay for all credit cards |
Which debts do you plan to pay off with this loan? | credit cards |
Please explain the reason why you carry a large revolving credit balance. | to fund my projects; all debts is usually paid within 2-3 yrs |
What is your intended use for the loan proceeds? | payoff debts |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | i am paying off credit cards with higher interest fees. specific cards are referenced in previous responses. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | about $2300 for expenses monthly |
Member Payment Dependent Notes Series 831880
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
831880 |
$14,125 |
$14,125 |
15.23% |
1.00% |
August 10, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 831880. Member loan 831880 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,700 / month |
Current employer: | Terracon Consulting | Debt-to-income ratio: | 20.30% |
Length of employment: | 5 years | Location: | Maryland Heights, MO |
Home town: | |||
Current & past employers: | Terracon Consulting | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/28/11 > This loan will payoff approximately $12,000 of credit cards of which I am currently paying $310 per month. Borrower added on 07/30/11 > Approximately $11,500 is to pay off credit cards (which have much higher interest rates). $900 will be used to pay off a school loan. Another $500 to $1000 will probably go towards work on my car.
A credit bureau reported the following information about this borrower member on July 26, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $11,275.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 78.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses total approximately $1,100 (not including the credit cards I would like to pay off). |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Approximately $12000 will pay off my credit cards. $850 will pay off a school loan. The remainder (a couple hundred after fees) will go towards my car. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have a balance of $11,500.00 on my credit cards. The credit cards have interest rates between 17.99% and 22.8%. My monthly minimum payments on credit cards total $320.00. My total debt to school loans is $16,890. Monthly due for student loans is $67. I have a loan that I put in forbearance until June, 2012 that will have a $220 per month due. The interest rates for the student loans are 5.0% and 2.36%. I do not have a morgage. Rent is $400 per month. I have no other loans. I do not have a car payment. |
Member Payment Dependent Notes Series 832313
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
832313 |
$18,000 |
$18,000 |
14.79% |
1.00% |
August 10, 2011 |
August 10, 2014 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 832313. Member loan 832313 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $11,667 / month |
Current employer: | Alston & Bird LLP | Debt-to-income ratio: | 5.77% |
Length of employment: | 2 years | Location: | Atlanta, GA |
Home town: | |||
Current & past employers: | Alston & Bird LLP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > The loan will be used to pay off high-interest credit card debt. I am currently paying almost 25% APR, so this will save me a good deal of money and allow me to get out of debt faster. I appreciate your help. Borrower added on 08/01/11 > I really appreciate everyone's help and support so far. I really want to get this funded so I can start down the road to full-repayment and getting our of debt. Consolidation will allow me to make lower monthly payments and thus pay off more debt faster. I am employed and well-paid, so repayment will not be an issue. I just want to direct the money that is wasted on high interest to where it will do more good than minimum payments.
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $26,983.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | No student loans (thankfully) or mortgages. I currently pay approx. $800 per month for credit cards. This loan will go to pay off the credit cards ( one ~8,500, one ~6,000) and other high-interest debt. I am paying approx. 25% APR now, so this will greatly reduce monthly payments and allow me to pay of the debt quicker. |
Which debts do you plan to pay off with this loan? | I will be paying off credit card debts with this loan. Every penny will go to credit cards where I have been paying almost 25% APR. |
Please explain the reason why you carry a large revolving credit balance. | The reason was that I got into bad spending habits when I was a student. Now that I'm all "grown-up" and working, I want to pay off these credit debts. Due to the high interest rates, I was unable to make much progress toward paying off the debts. In order to speed the process, I want to pay off the heavy-interest debts with this loan, so that I can then use the excess money I save from monthly payments to pay down this debt. This will save me several hundred dollars a month, and I will be making steady progress toward actual repayment, unstead of slowly chipping away at high interest debt through minimum payments. |
Member Payment Dependent Notes Series 832317
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
832317 |
$12,000 |
$12,000 |
15.23% |
1.00% |
August 10, 2011 |
August 10, 2016 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 832317. Member loan 832317 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,867 / month |
Current employer: | Fuel Cell and Hydrogen Energy Assocation | Debt-to-income ratio: | 8.39% |
Length of employment: | < 1 year | Location: | WASHINGTON, DC |
Home town: | |||
Current & past employers: | Fuel Cell and Hydrogen Energy Assocation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Hello, all. The purpose of this loan is to provide the final tranche of funding for a long-planned, extensive interior renovation of my home. I purchased the home in October 2009, and got a great price because of the remodeling that was needed. The person I bought the house with took off four months after we moved in, leaving me with the mortgage (I hold full title to the house), and in the financial scramble that followed, my credit rating took a hit, as I took out a bunch of credit cards and had to carry balances. Since then, I have landed a job that pays more than both of our combined salaries when we bought the place. I am an in-house lobbyist for a clean energy company, in a senior position with a stable, annual salary. I have a monthly disposable income of $4700--after mortgage payments. I have a tenant to help defray the mortgage, and this renovation will help make the house more comfortable for two people who do not share a bedroom. Right now the layout for the kitchen and common areas are cramped and poorly thought out--the house was originally flipped. I've done as much work on the house as I can with my own hands--extensive landscaping and a new patio. Now it is time to work on the inside, and I am no plumber or carpenter or electrician. Because I haven't been in the house long, I'm not eligible for a home equity line of credit, but I do have a homeowner's loan and a personal loan from a credit union--however, banks are conservative these days and my credit score is still recovering from last year, so it is not quite enough. I am turning to LendingClub to put me over the top for the renovation which this house needs, so it can be the place I envisioned when I bought it nearly two years ago. Home values are going up in my neighborhood, but I need this work to allow my home to express its true worth, and to be more livable for me and a tenant, as well to be more attractive any renters or sellers in the future should I ever move. But I'm not planning to move for a while. I love my house. But the tiny kitchen and bathroom are starting to drive me bonkers. Thanks to all potential investors for helping me realize the wonderful home I have been waiting for. I am happy to answer any questions, and thank you. Update: Thanks to everyone who has invested so far--this is an exciting process, and I hope we can get all the way to the goal in these last few days.
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 15 |
Revolving Credit Balance: | $263.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 1.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My monthly expenses are about $3,000. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses are about $3,000. |
If you have a delinquency in the last 2 years, please explain the reason. | In my entire life, I have one incident of a credit card that went unpaid for three months, but it was not intentional. It was early last year. I had closed the card down and set up a payment plan with the company to reduce the interest rate. It was an automatic payment plan, but for three months the company did not deduct the funds as they were supposed to. They have admitted their error to me on the phone, but will not do so to the credit agencies. |
What is the estimated current market value of your home? | Zillow.com estimates it at $360,000, though comparable houses in my neighborhood, when renovated, go for $425,000. |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | 1st mortgage is 5%, balance is $300,000, and monthly payments with insurance, taxes, etc. right now are $2000. That will go down soon as escrow balances are filled. Homeowner's loan is $30,000, at 10%, with payments of $215.00. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Mortgage is $1650, and I have $350 in taxes, insurance, etc. That will go down to $200 in a few months. |
What is your intended use for the loan proceeds? | I had an extensive description up that was accidentally just deleted by LendingClub, they should report it soon. I'll paste it here as well: Hello, all. The purpose of this loan is to provide the final tranche of funding for a long-planned, extensive interior renovation of my home. I purchased the home in October 2009, and got a great price because of the remodeling that was needed. The person I bought the house with took off four months after we moved in, leaving me with the mortgage (I hold full title to the house), and in the financial scramble that followed, my credit rating took a hit, as I took out a bunch of credit cards and had to carry balances. Since then, I have landed a job that pays more than both of our combined salaries when we bought the place. I am an in-house lobbyist for a clean energy company, in a senior position with a stable, annual salary. I have a monthly disposable income of $4700--after mortgage payments. I have a tenant to help defray the mortgage, and this renovation will help make the house more comfortable for two people who do not share a bedroom. Right now the layout for the kitchen and common areas are cramped and poorly thought out--the house was originally flipped. I've done as much work on the house as I can with my own hands--extensive landscaping and a new patio. Now it is time to work on the inside, and I am no plumber or carpenter or electrician. Because I haven't been in the house long, I'm not eligible for a home equity line of credit, but I do have a homeowner's loan and a personal loan from a credit union--however, banks are conservative these days and my credit score is still recovering from last year, so it is not quite enough. I am turning to LendingClub to put me over the top for the renovation which this house needs, so it can be the place I envisioned when I bought it nearly two years ago. Home values are going up in my neighborhood, but I need this work to allow my home to express its true worth, and to be more livable for me and a tenant, as well to be more attractive any renters or sellers in the future should I ever move. But I'm not planning to move for a while. I love my house. But the tiny kitchen and bathroom are starting to drive me bonkers. Thanks to all potential investors for helping me realize the wonderful home I have been waiting for. I am happy to answer any questions, and thank you. |
What is your intended use for the loan proceeds? | The purpose of this loan is to provide the final tranche of funding for a long-planned, extensive interior renovation of my home. I purchased the home in October 2009, and got a great price because of the remodeling that was needed. The person I bought the house with took off four months after we moved in, leaving me with the mortgage (I hold full title to the house), and in the financial scramble that followed, my credit rating took a hit, as I took out a bunch of credit cards and had to carry balances. Since then, I have landed a job that pays more than both of our combined salaries when we bought the place. I am an in-house lobbyist for a clean energy company, in a senior position with a stable, annual salary. I have a monthly disposable income of $4700--after mortgage payments. I have a tenant to help defray the mortgage, and this renovation will help make the house more comfortable for two people who do not share a bedroom. Right now the layout for the kitchen and common areas are cramped and poorly thought out--the house was originally flipped. I've done as much work on the house as I can with my own hands--extensive landscaping and a new patio. Now it is time to work on the inside, and I am no plumber or carpenter or electrician. Because I haven't been in the house long, I'm not eligible for a home equity line of credit, but I do have a homeowner's loan and a personal loan from a credit union--however, banks are conservative these days and my credit score is still recovering from last year, so it is not quite enough. I am turning to LendingClub to put me over the top for the renovation which this house needs, so it can be the place I envisioned when I bought it nearly two years ago. Home values are going up in my neighborhood, but I need this work to allow my home to express its true worth, and to be more livable for me and a tenant, as well to be more attractive any renters or sellers in the future should I ever move. But I'm not planning to move for a while. I love my house. But the tiny kitchen and bathroom are starting to drive me bonkers. Thanks to all potential investors for helping me realize the wonderful home I have been waiting for. |
Member Payment Dependent Notes Series 832424
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
832424 |
$30,000 |
$30,000 |
11.99% |
1.00% |
August 10, 2011 |
August 10, 2016 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 832424. Member loan 832424 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $8,333 / month |
Current employer: | CAl Fire | Debt-to-income ratio: | 17.75% |
Length of employment: | 10+ years | Location: | MURRIETA, CA |
Home town: | |||
Current & past employers: | CAl Fire | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,591.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 3000 (rent, boat, vehicle, utilites etc.) |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Citibank $12,000 19% monthly payment $350 Amex two cards total $6200 14% monthly payment $250 Capital One $5200.00 21% monthly payment $150 Capital One $1200.00 24% monthly payment $ 100 Rent-1595 Car-550 Mortgage, home equity, taxes and insurance for home are paid by my ex wife. My Fiancee lives with me and shares the expenses but we could not include her income as they do not allow co-borrowers |
Which debts do you plan to pay off with this loan? | citibank 12,000 amex two cards 6200 capital one 4200 discover 6000 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | approximately $3500.00 per month...rent, vehicle, utilities, food etc. |
What is your intended use for the loan proceeds? | debt consolidation |
If you have a delinquency in the last 2 years, please explain the reason. | I have not had any |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am using the money for debt consolidation |
Member Payment Dependent Notes Series 832490
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
832490 |
$35,000 |
$35,000 |
21.36% |
1.00% |
August 10, 2011 |
August 10, 2016 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 832490. Member loan 832490 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $21,218 / month |
Current employer: | red mccombs hyundai nw | Debt-to-income ratio: | 12.56% |
Length of employment: | 9 years | Location: | FAIR OAKS RANCH, TX |
Home town: | |||
Current & past employers: | red mccombs hyundai nw | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 63 | Months Since Last Delinquency: | 14 |
Revolving Credit Balance: | $35,860.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I had an investment home with an assumable note. I had a buyer that was well qualifed for the assumption, however the bank would never send the appropriate paperworkfor 5 months. They did not even send the paperwork to my attorney when he requested. I ended up going to court and sueing them. My attorney advised not to make payments until outcome from lawsuit. Aurora did not even show up to court. The problem on my report is being resolved. The loan is paid off. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | roughly $1700 |
Member Payment Dependent Notes Series 832683
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
832683 |
$6,200 |
$6,200 |
8.49% |
1.00% |
August 12, 2011 |
August 14, 2014 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 832683. Member loan 832683 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,217 / month |
Current employer: | RFMH, Inc. | Debt-to-income ratio: | 8.56% |
Length of employment: | 3 years | Location: | FOREST HILLS, NY |
Home town: | |||
Current & past employers: | RFMH, Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/31/11 > I have an open Discover Card account for several years, but interest rate was raised to a high 19% prior to the passing of the "Credit Card Accountability, Responsibility and Disclosure Act." Although Discover has lowered my current purchase APR to 12.99%, they would not lower the 19% past purchase APR no matter how I reasoned with their account managers. I plan to use this loan to pay off the high-APR balance on my Discover Card account. Borrower added on 08/03/11 > Employment: I work in an academic/hospital setting and have been at my current managerial position for almost 4 years. My debt-to-income ratio is a healthy 8.6%. Payment to this loan is within my current monthly budget, and I have no late payments on any account in my credit report. null
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,433.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 45.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | As I stated in my application notes, I will pay off the higher APR of past purchases on an open credit card. This loan amount will clear said balance. |
Member Payment Dependent Notes Series 832704
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
832704 |
$30,000 |
$30,000 |
18.39% |
1.00% |
August 16, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 832704. Member loan 832704 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,333 / month |
Current employer: | Triump Aerostructures Vought aircraft | Debt-to-income ratio: | 10.75% |
Length of employment: | 10+ years | Location: | Lancaster, CA |
Home town: | |||
Current & past employers: | Triump Aerostructures Vought aircraft | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > Bill Consolidation
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | 80 |
Revolving Credit Balance: | $31,626.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 4000 |
If you have a delinquency in the last 2 years, please explain the reason. | no |
Please explain the reason why you carry a large revolving credit balance. | helping children with school and rent and exspenses |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | house payment with taxes and insurance 1,507.15 2nd payment 462.97 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Yamaha 11,066.92 Discover 6,507.97 Chase 4,771.79 Union Plus 8,989.91 |
Which debts do you plan to pay off with this loan? | Yamaha Discover Chase Union Plus |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 4,000 |
Please explain the reason why you carry a large revolving credit balance. | helping children with school and rent and exspenses |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Yamaha 11,066.92 Discover 6,507.97 Chase 4,771.79 Union Plus 8,989.91 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Yamaha 11,066.92 Discover 6,507.97 Chase 4,771.79 Union Plus 8,989.91 |
Please explain the reason why you carry a large revolving credit balance. | helping children with school and rent and exspenses |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 4,000 |
Please explain the reason why you carry a large revolving credit balance. | helping children with school and rent and exspenses |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Yamaha 11,066.92 Discover 6,507.97 Chase 4,771.79 Union Plus 8,989.91 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 4000 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 4,000 |
If you have a delinquency in the last 2 years, please explain the reason. | no |
Please explain the reason why you carry a large revolving credit balance. | helping children with school and rent and exspenses |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Yamaha 11,066.92 Discover 6,507.97 Chase 4,771.79 Union Plus 8,989.91 |
Which debts do you plan to pay off with this loan? | Yamaha Discover Chase Union Plus |
Which debts do you plan to pay off with this loan? | Yamaha Discover Chase Union Plus |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Yamaha 11,066.92 Discover 6,507.97 Chase 4,771.79 Union Plus 8,989.91 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 4,000 |
Member Payment Dependent Notes Series 832754
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
832754 |
$20,000 |
$20,000 |
12.99% |
1.00% |
August 10, 2011 |
August 10, 2016 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 832754. Member loan 832754 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,250 / month |
Current employer: | G4S Secure Solutions | Debt-to-income ratio: | 17.41% |
Length of employment: | 4 years | Location: | Boynton Beach, FL |
Home town: | |||
Current & past employers: | G4S Secure Solutions | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,477.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 48.30% | Months Since Last Record: | 110 |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Is the improvement to your primary residence or an investment property? | The improvement is to my PRIMARY residence. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I eliminated all non-vital expenses into the following monthly expense: $600 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My housing monthly expenses are as follows: Mortgage (princ., int., tax, ins.) = $527, Home owner assoc = $128, Utilities = $150. |
If you have a public record on file, please briefly explain the event and its resolution. | I filed for Chapter 7 bankruptcy on 05/2002, and it was discharged a few months later. I had to file, because I lost my high tech job and had to move to Florida to care for my elderly, sick mother. I started a new financial life SUCCESSFULLY on 1/1/2003. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | All the loan money will be used for the interior, open floor plan, renovation. |
What is the home improvement project you are planning? | I'm creating an open floor plan in which the kitchen opens into the living room and the kitchen counter faces another room. The individual living spaces flow nicely with a wall-less kitchen facing the living room and the sunny room. In order to create the open plan, I have to take down walls and a drop ceiling, install a long beam in place of a bearing wall, do electrical, plumbing, etc. |
Is the improvement to your primary residence or an investment property? | The improvement is to my PRIMARY residence. |
Is this for a home improvement you have already made, or one that you are planning to make? | The loan is for pending repairs and renovations to a 40+ year old cinder-block house in Florida. I need the loan to add to savings. The first repair will be a new roof, which costs approximately $13,000. All other money will be used to renovate the house to modern standards. The infrastructure (electrical, plumbing, etc.) of the house is in very good condition. |
What is the estimated current market value of your home? | According to Bank of America's real estate center, my house range is $65,700 to $114,300. http://realestatecenter.bankofamerica.com/tools/marketvalue.aspx?cm_mmc=CRE-HomeLoans-_-vanity-_-CA01VN002F_homevalue-_-102910 I think BoA references my house at Zillow.com |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | I refinanced my original mortgage in Dec. 2010 as a 5/1 ARM. Presently, my balance is $106,780 at an interest rate of 2.17432%. My monthly payment, which includes principal, interest, insurance and taxes, is $527 per month. I do NOT have any other loan against my house. |
Member Payment Dependent Notes Series 832765
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
832765 |
$20,250 |
$20,250 |
20.99% |
1.00% |
August 11, 2011 |
August 10, 2016 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 832765. Member loan 832765 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,300 / month |
Current employer: | UNITED STATES NAVY | Debt-to-income ratio: | 20.93% |
Length of employment: | 6 years | Location: | Belfair, WA |
Home town: | |||
Current & past employers: | UNITED STATES NAVY | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > Thank you for your support, It will be going to pay off all my credit cards and loans, which i will be shredding afterwards.....Thank you again
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,132.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I pay 1126.00 in mortgage, Mortgage insurance is included in the housing cost. The cars (3) 200.00 with usaa and Water 33.00 per month. |
Please explain the reason why you carry a large revolving credit balance. | Due to not having money in saving I used my cards to finance things that needed to be done, car repairs and household needs |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The ones i want paid off or the ones that i have all together? |
Which debts do you plan to pay off with this loan? | I plan on paying off all of credit cards and one loan |
What is your intended use for the loan proceeds? | To pay off a large quanity of debt so that i am not consumed with large apr and one payment instead of many |
Please explain the reason why you carry a large revolving credit balance. | Due to not having money in saving I used my cards to finance things that needed to be done, car repairs and household needs |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The ones i want paid off or the ones that i have all together? |
Which debts do you plan to pay off with this loan? | I plan on paying off all of credit cards and one loan |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 1126, Car 300, water 33.00, insurance 200.00, phone 90.00 and food 400.00 per month |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am wanting to pay off 11447.00 dollars in credit cards and 11000.00 loan with a higher interest rate. |
Member Payment Dependent Notes Series 832789
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
832789 |
$9,500 |
$9,500 |
8.49% |
1.00% |
August 11, 2011 |
August 10, 2014 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 832789. Member loan 832789 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,942 / month |
Current employer: | Flanagan-Cornell High School | Debt-to-income ratio: | 0.28% |
Length of employment: | 5 years | Location: | Eureka, IL |
Home town: | |||
Current & past employers: | Flanagan-Cornell High School | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/30/11 > I have a stable job and always make payments on time, I'm planning on buying a piece of land behind our house with this loan. null
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $568.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 5.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I am looking to buy a lot of land that has come for sale behind my house, mainly for the kids to play. |
What is your intended use for the loan proceeds? | I am looking to buy a lot of land that has come for sale behind my house, mainly for the kids to play. |
What is your intended use for the loan proceeds? | I am buying a piece of property behind my house. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 15 year mortgage at $690/month, no equity loan, average $125/month utilities, $160 combined insurance/tax |
Member Payment Dependent Notes Series 832833
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
832833 |
$1,400 |
$1,400 |
5.42% |
1.00% |
August 17, 2011 |
August 25, 2014 |
August 25, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 832833. Member loan 832833 was requested on August 11, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,500 / month |
Current employer: | Los Angeles Unified School District | Debt-to-income ratio: | 12.07% |
Length of employment: | 10+ years | Location: | West Covina, CA |
Home town: | |||
Current & past employers: | Los Angeles Unified School District | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $896.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 2.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Good Morning. I intend to use this loan to help pay for my children's tuition. As I stated earlier, I plan to pay back the proceeds as soon as possible The schools require certain fees above the tuition costs In my loan application, I put this as a "major purchase". I consider their education to be a major purchase into their futures. Thank you. |
What is your intended use for the loan proceeds? | I am going to buy a new computer with the funds. |
What is your intended use for the loan proceeds? | I am going to buy a new computer with the funds. |
Member Payment Dependent Notes Series 832834
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
832834 |
$9,600 |
$9,600 |
8.49% |
1.00% |
August 10, 2011 |
August 10, 2014 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 832834. Member loan 832834 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,454 / month |
Current employer: | U.S. Court of Appeals | Debt-to-income ratio: | 23.91% |
Length of employment: | 7 years | Location: | Boston, MA |
Home town: | |||
Current & past employers: | U.S. Court of Appeals | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > I hope to use this loan to pay 2 high interest cards and put the money that I save on monthly interest into savings. Thank you for your interest in my loan. This loan will really help me. null
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 47 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,193.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 77.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $900/mo. (about to be $750/mo. after Oct. 1) Transportaion: zero (I walk) Utitlities: zero (included in my rent) Phone: Zero (paid by partner) Food: $300/mo. Student Loans: $863/mo. (law school). Amex: $200/mo. (this is more than min. payment) Discover: $100/mo. (this is more than min. payment); Best Buy: $100/mo. (this is more than min. payment). After all my expenses- I have about $800/mo. of disposable income. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $900/mo. (about to be $750/mo. after Oct. 1) Transportaion: zero (I walk) Utitlities: zero (included in my rent) Phone: Zero (paid by partner) Food: $300/mo. Student Loans: $863/mo. (law school). Amex: $200/mo. (this is more than min. payment) Discover: $100/mo. (this is more than min. payment); Best Buy: $100/mo. (this is more than min. payment). After all my expenses- I have about $800/mo. of disposable income. |
Member Payment Dependent Notes Series 832915
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
832915 |
$25,975 |
$25,975 |
14.79% |
1.00% |
August 11, 2011 |
August 10, 2016 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 832915. Member loan 832915 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,059 / month |
Current employer: | Cobb County Public Schools | Debt-to-income ratio: | 24.94% |
Length of employment: | 10+ years | Location: | Acworth, GA |
Home town: | |||
Current & past employers: | Cobb County Public Schools | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1982 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $53,554.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I don't have any. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 1,747.02 |
Please explain the reason why you carry a large revolving credit balance. | Put expenses for graduate school |
Which debts do you plan to pay off with this loan? | high credit cards |
What is your intended use for the loan proceeds? | pay off debt |
Member Payment Dependent Notes Series 833012
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833012 |
$12,000 |
$12,000 |
8.49% |
1.00% |
August 10, 2011 |
August 10, 2016 |
August 10, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833012. Member loan 833012 was requested on July 27, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,917 / month |
Current employer: | California Baptist University | Debt-to-income ratio: | 0.91% |
Length of employment: | 10+ years | Location: | Moreno Valley, CA |
Home town: | |||
Current & past employers: | California Baptist University | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/28/11 > Funds will be cover a family vacation, pay off a small amount of credit card debt. We have excellent credit and being we have no car payments (paid cash for them) we can easily fit in this loan into our monthly budget. I've worked in Higher Education in the Information Technology field for over 10 years which I believe is still a very stable market. null
A credit bureau reported the following information about this borrower member on July 27, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,419.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 12.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $500 tithe; $1600 house payment; $885 utilities; $700 groceries/dining out; $300 toward yearly recurring expenses; $400 transportation We definitely have enough room in the budget to make the monthly payment for this loan, and we have additional "wiggle room" for other emergencies as well. |
Please provide general details of the cost of your vacation. | It's actually going to be three vacations: first, a trip to Palm Springs with grandparents ($1350), then to Hawaii to meet our new baby niece ($6000), and finally a late anniversary trip ($1500), not quite settled on where. |
What is your intended use for the loan proceeds? | Three family vacations and paying off debt. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Our mortgage (which includes insurance and taxes) is $1581/mo. Our utilities run about $600/mo. |
If you have a delinquency in the last 2 years, please explain the reason. | We have had no delinquency in our financial history. |
Member Payment Dependent Notes Series 833037
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833037 |
$28,800 |
$28,800 |
7.49% |
1.00% |
August 11, 2011 |
August 11, 2014 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833037. Member loan 833037 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,417 / month |
Current employer: | GameFly | Debt-to-income ratio: | 4.27% |
Length of employment: | 1 year | Location: | Los Angeles, CA |
Home town: | |||
Current & past employers: | GameFly | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $351.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 1.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | The proceeds will be used to fund a side venture in equity investments. I do not plan on leaving my current employment, so the investments will just be treated as supplemental income. |
What is your intended use for the loan proceeds? | The proceeds will be used to fund a side venture in equity investments. I do not plan on leaving my current employment, so the investments will just be treated as supplemental income. |
What is your intended use for the loan proceeds? | I plan to use the proceeds for equity investments. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Rent: $1250, no home equity loan, credit card utilization: 1%, utilities: $250, car insurance: $150, medical/dental/vision: $100 since mostly paid by employer, taxes based on $89k income. |
What are you buying? | I'll be using the proceeds for equity investments. |
Member Payment Dependent Notes Series 833074
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833074 |
$14,000 |
$14,000 |
16.89% |
1.00% |
August 11, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833074. Member loan 833074 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,167 / month |
Current employer: | ZF Lemforder | Debt-to-income ratio: | 20.33% |
Length of employment: | 8 years | Location: | Campobello, SC |
Home town: | |||
Current & past employers: | ZF Lemforder | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > This is another step toward my retirement plan. I plan to use the funds to pay off some debt and also do a few home improvements.
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 8 |
Revolving Credit Balance: | $14,969.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 46.20% | Months Since Last Record: | 110 |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 833224
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833224 |
$35,000 |
$35,000 |
20.62% |
1.00% |
August 11, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833224. Member loan 833224 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,167 / month |
Current employer: | Wilbert Plastic Services | Debt-to-income ratio: | 21.82% |
Length of employment: | 2 years | Location: | Huron, OH |
Home town: | |||
Current & past employers: | Wilbert Plastic Services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/28/11 > Debt consolidation loan.
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $39,304.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 91.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | All of our credit card debts. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards = $35,000 Interest rates = 23% Monthly Payments for all Credit Cards total = $1,500 Mortgage = $1,138 each month |
What is your intended use for the loan proceeds? | To pay off all Credit Cards. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards = $35,000 Interest rates = 23% Monthly Payments for all Credit Cards total = $1,500 Mortgage = $1,138 each month |
Which debts do you plan to pay off with this loan? | All of our credit card debts. |
Please explain the reason why you carry a large revolving credit balance. | Because of my job I had to move 3 times to 3 different states since 2001 and it took us 2 years to sell our home and we had 2 different homes for a number of years. We have now purchased a new home and are not making anymore moves. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards = $35,000 Interest rates = 23% Monthly Payments for all Credit Cards total = $1,500 Mortgage = $1,138 each month |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage = $1,138.00 each month (Includes Taxes). Utilities = $350.00 each month. Insurance = $600 a year Credit Card bills = $1,500 each month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards = $35,000 Interest rates = 23% Monthly Payments for all Credit Cards total = $1,500 Mortgage = $1,138 each month |
Please explain the reason why you carry a large revolving credit balance. | Because of my job I had to move 3 times to 3 different states since 2001 and it took us 2 years to sell our home and we had 2 different homes for a number of years. We have now purchased a new home and are not making anymore moves. |
Member Payment Dependent Notes Series 833278
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833278 |
$15,600 |
$15,600 |
13.49% |
1.00% |
August 11, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833278. Member loan 833278 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,113 / month |
Current employer: | Union Pacific Railroad | Debt-to-income ratio: | 10.80% |
Length of employment: | 5 years | Location: | laredo, TX |
Home town: | |||
Current & past employers: | Union Pacific Railroad | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 19 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,783.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 21.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 13000 dollars total between 8 credit cards, interest rates @ 20% Apr, and monthly payments of 100 dollars a piece. |
Which debts do you plan to pay off with this loan? | All of them. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 13000 dollars total between 8 credit cards, interest rates @ 20% Apr, and monthly payments of 100 dollars a piece. |
Which debts do you plan to pay off with this loan? | All of them. |
Please explain the reason why you carry a large revolving credit balance. | Got laid off for a year so supplemented my income with my credit cards. Haven't been able to catch up even though I pay more than the minimum balance every month. |
Please explain the reason why you carry a large revolving credit balance. | Got laid off for a year so supplemented my income with my credit cards. Haven't been able to catch up even though I pay more than the minimum balance every month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 1200 rent, 200 for gas, 250 for utilities, 130 for insurance, 300 for food, 100 for phones. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Using the funds to pay off my different credit cards. I will sprea the funds though out all of them and pay the full balances on each. This will help lower my interest rate and eventually save me some money and worry. |
What is your intended use for the loan proceeds? | I intend to pay off my high interest credit card bills. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 1200 rent, 250 utilities, |
If you have a delinquency in the last 2 years, please explain the reason. | I do not... |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Not paying a mortgage, renting a house for 1200 dollars a month. |
Member Payment Dependent Notes Series 833315
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833315 |
$35,000 |
$35,000 |
20.99% |
1.00% |
August 11, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833315. Member loan 833315 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,750 / month |
Current employer: | The Hershey Company | Debt-to-income ratio: | 13.47% |
Length of employment: | 5 years | Location: | Gettyburg, PA |
Home town: | |||
Current & past employers: | The Hershey Company | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/28/11 > Credit Card debt, auto loan, student loan consolidation / pay off Stable job with excellent Fortune 100 employer Home owner with good credit Borrower added on 07/29/11 > Hoping to pay off the following debt: Desc Company Rate Balance Pmt Student Loans AES 6.80% $17,827 $281 Denali Capital One 12.44% $9,583 $354 Jetta Members 1st 7.04% $10,580 $305 Credit Card Citi 20.24% $4,535 $125 Credit Card Capital One 19.90% $2,783 $125 Credit Card Marriott 14.24% $9,409 $250 Credit Card GE (Sixeas) 0.00% $2,882 $250
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 41 | Months Since Last Delinquency: | 34 |
Revolving Credit Balance: | $7,517.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 96.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Desc Company Rate Balance Pmt Student Loans AES 6.80% $17,827 $281 Denali Capital One 12.44% $9,583 $354 Jetta Members 1st 7.04% $10,580 $305 Credit Card Citi 20.24% $4,535 $125 Credit Card Capital One 19.90% $2,783 $125 Credit Card Marriott 14.24% $9,409 $250 Credit Card GE (Sixeas) 0.00% $2,882 $250 |
Which debts do you plan to pay off with this loan? | Desc Company Rate Balance Pmt Student Loans AES 6.80% $17,827 $281 Denali Capital One 12.44% $9,583 $354 Jetta Members 1st 7.04% $10,580 $305 Credit Card Citi 20.24% $4,535 $125 Credit Card Capital One 19.90% $2,783 $125 Credit Card Marriott 14.24% $9,409 $250 Credit Card GE (Sixeas) 0.00% $2,882 $250 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage = $2280 Utilities = approx $500/month Taxes - not sur e- covered by mortgage in escrow Hoping to pay off the following: Desc Company Rate Balance Pmt Student Loans AES 6.80% $17,827 $281 Denali Capital One 12.44% $9,583 $354 Jetta Members 1st 7.04% $10,580 $305 Credit Card Citi 20.24% $4,535 $125 Credit Card Capital One 19.90% $2,783 $125 Credit Card Marriott 14.24% $9,409 $250 Credit Card GE (Sixeas) 0.00% $2,882 $250 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Desc Company Rate Balance Pmt Student Loans AES 6.80% $17,827 $281 Denali Capital One 12.44% $9,583 $354 Jetta Members 1st 7.04% $10,580 $305 Credit Card Citi 20.24% $4,535 $125 Credit Card Capital One 19.90% $2,783 $125 Credit Card Marriott 14.24% $9,409 $250 Credit Card GE (Sixeas) 0.00% $2,882 $250 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Desc Company Rate Balance Pmt Student Loans AES 6.80% $17,827 $281 Denali Capital One 12.44% $9,583 $354 Jetta Members 1st 7.04% $10,580 $305 Credit Card Citi 20.24% $4,535 $125 Credit Card Capital One 19.90% $2,783 $125 Credit Card Marriott 14.24% $9,409 $250 Credit Card GE (Sixeas) 0.00% $2,882 $250 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Desc Company Rate Balance Pmt Student Loans AES 6.80% $17,827 $281 Denali Capital One 12.44% $9,583 $354 Jetta Members 1st 7.04% $10,580 $305 Credit Card Citi 20.24% $4,535 $125 Credit Card Capital One 19.90% $2,783 $125 Credit Card Marriott 14.24% $9,409 $250 Credit Card GE (Sixeas) 0.00% $2,882 $250 |
Which debts do you plan to pay off with this loan? | Desc Company Rate Balance Pmt Student Loans AES 6.80% $17,827 $281 Denali Capital One 12.44% $9,583 $354 Jetta Members 1st 7.04% $10,580 $305 Credit Card Citi 20.24% $4,535 $125 Credit Card Capital One 19.90% $2,783 $125 Credit Card Marriott 14.24% $9,409 $250 Credit Card GE (Sixeas) 0.00% $2,882 $250 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Desc Company Rate Balance Pmt Student Loans AES 6.80% $17,827 $281 Denali Capital One 12.44% $9,583 $354 Jetta Members 1st 7.04% $10,580 $305 Credit Card Citi 20.24% $4,535 $125 Credit Card Capital One 19.90% $2,783 $125 Credit Card Marriott 14.24% $9,409 $250 Credit Card GE (Sixeas) 0.00% $2,882 $250 |
Which debts do you plan to pay off with this loan? | Desc Company Rate Balance Pmt Student Loans AES 6.80% $17,827 $281 Denali Capital One 12.44% $9,583 $354 Jetta Members 1st 7.04% $10,580 $305 Credit Card Citi 20.24% $4,535 $125 Credit Card Capital One 19.90% $2,783 $125 Credit Card Marriott 14.24% $9,409 $250 Credit Card GE (Sixeas) 0.00% $2,882 $250 |
Please explain the reason why you carry a large revolving credit balance. | My wife lost her job. We used credit cards to survive. Now she is employed again. And now we just want to pay off the credit card debt. |
Member Payment Dependent Notes Series 833334
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833334 |
$10,000 |
$10,000 |
10.59% |
1.00% |
August 11, 2011 |
August 11, 2014 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833334. Member loan 833334 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $1,738 / month |
Current employer: | n/a | Debt-to-income ratio: | 10.82% |
Length of employment: | n/a | Location: | Tuscola, IL |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/30/11 > I plan to use the funds for home improvement and payoff of credit cards. My income is steady and very secure. I am a very diligent person when it comes to paying what I owe on or before the time due.
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,752.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 21.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 833383
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833383 |
$14,400 |
$14,400 |
10.99% |
1.00% |
August 11, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833383. Member loan 833383 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,917 / month |
Current employer: | Muncy home Inc | Debt-to-income ratio: | 15.95% |
Length of employment: | 10+ years | Location: | muncy, PA |
Home town: | |||
Current & past employers: | Muncy home Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > Pay off my credit cards and loan Total monthly miniunm about $475
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 38 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,557.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 26.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Pay off my credit cards and loan Total monthly miniunm about $475 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Pay off my credit cards and loan Total monthly miniunm about $475 |
What is your intended use for the loan proceeds? | Pay off my credit cards and loan Total monthly miniunm about $475 |
Member Payment Dependent Notes Series 833424
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833424 |
$8,000 |
$8,000 |
7.49% |
1.00% |
August 15, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833424. Member loan 833424 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,417 / month |
Current employer: | Town of Rockland | Debt-to-income ratio: | 15.43% |
Length of employment: | 10+ years | Location: | Abingotn, MA |
Home town: | |||
Current & past employers: | Town of Rockland | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I would like to make a special purchase by the end of the sumer. I have been working at the same job for the last 11 years. Borrower added on 08/03/11 > I would also use some of the money to pay down some of my credit card balance that has a higher rate Borrower added on 08/04/11 > The money from this loan will help me buy a ring. Borrower added on 08/04/11 > The money from this loan will help me buy a ring. Borrower added on 08/04/11 > The money from this loan will help me buy a ring.
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 15 |
Revolving Credit Balance: | $16,521.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 66.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 833456
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833456 |
$5,425 |
$5,425 |
8.49% |
1.00% |
August 11, 2011 |
August 14, 2014 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833456. Member loan 833456 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,333 / month |
Current employer: | American Electric Power | Debt-to-income ratio: | 21.16% |
Length of employment: | 10+ years | Location: | Hurricane, WV |
Home town: | |||
Current & past employers: | American Electric Power | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 9, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1977 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 21 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 42 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $25,996.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | payoff credit cards |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | mortgage 1495, loan 444, credit card 194, credit card 134 |
Member Payment Dependent Notes Series 833458
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833458 |
$25,000 |
$25,000 |
20.99% |
1.00% |
August 15, 2011 |
August 14, 2016 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833458. Member loan 833458 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,167 / month |
Current employer: | LIberty Tire | Debt-to-income ratio: | 15.73% |
Length of employment: | 2 years | Location: | lockport, NY |
Home town: | |||
Current & past employers: | LIberty Tire | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 5 |
Revolving Credit Balance: | $4,796.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 44.80% | Months Since Last Record: | 96 |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | we have not had any in the past 2 years |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | our credit card debt is aprox. 17000 w varying int rates from 22-27% another loan with approx 7k bal. total payout with all of that is about 950/month, mortgage is about 93000, pmt is 941 month |
Member Payment Dependent Notes Series 833530
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833530 |
$10,000 |
$10,000 |
16.89% |
1.00% |
August 16, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833530. Member loan 833530 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,083 / month |
Current employer: | Florida Hospital Kissimmee | Debt-to-income ratio: | 23.39% |
Length of employment: | 10+ years | Location: | Kissimmee, FL |
Home town: | |||
Current & past employers: | Florida Hospital Kissimmee | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | 19 |
Revolving Credit Balance: | $11,896.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 54.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car-Total $24,500.00 Monthly-$415.12 Rooms to go-$1,064.00 monthly $35.00 Target-$1019.00 $ 35.00 Jared-$1903.00 monthly $230.00 Jcpenney-$935.00 monthly $25.00 Belk-$250.00 monthly $20.00 Citi CC-$860.00 monthly $35.00 CFE-$6,000 monthly $150.00 AHRP-$1180.00 monthly $49.00Sallie Mae-$3118.00 montly $61.00 Dyck O neal-$2613.00 monthly $46.00 |
Which debts do you plan to pay off with this loan? | I would like to pay off the following cards: target/jcpenney/jared/belk/citi cc/rooms to go/sallie mae |
If you have a delinquency in the last 2 years, please explain the reason. | I do not really recall having a deliquent account as I always try to at least pay the minimum. If I did miss a payment it was due to forgetting to pay. |
Member Payment Dependent Notes Series 833541
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833541 |
$10,000 |
$10,000 |
10.99% |
1.00% |
August 11, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833541. Member loan 833541 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,250 / month |
Current employer: | Sony Corporation | Debt-to-income ratio: | 16.88% |
Length of employment: | 6 years | Location: | Rosemead, CA |
Home town: | |||
Current & past employers: | Sony Corporation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $41,907.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To payoff higher interest credit cards |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | $2,110 |
Please explain the reason why you carry a large revolving credit balance. | Didn't monitor spending and underestimated expenses of owning/maintenance of residence. |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Discover - $9,500. Current interest as high as 24.9% (approx $400 of the balance) and the remaining balance is at 17.9% |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | $920 currently. With loan/payoff will be $997 |
Member Payment Dependent Notes Series 833552
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833552 |
$29,000 |
$29,000 |
20.99% |
1.00% |
August 11, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833552. Member loan 833552 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $11,250 / month |
Current employer: | Academic Institution | Debt-to-income ratio: | 18.33% |
Length of employment: | 5 years | Location: | Newtown Square, PA |
Home town: | |||
Current & past employers: | Academic Institution | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Seeking to consolidate debt. Bought a house 2 years ago and due to unexpected renovations and some furnishing incurred our current debt. Securely employed. The income listed does not include additional source of income. Our dti is due to our house mortgage and student loans. Take pride in paying our monthly bills in a timely manner. Seek to consolidate to make one easy payment each month, close out all credit card accounts except for one with smaller credit limits in case of emergencies and business travel.
A credit bureau reported the following information about this borrower member on July 14, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $27,769.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage ($414K 5% $3064/mo); Student Loans ($78K 4.375% $530/mo); Credit Card ($8K 25.49% $250K); Credit Card ($14K 23.99% $450/mo); Credit Card ($2300 29.40% $88/mo); Retail Card ($3K 23.24% $70/mo) Credit Card ($4800 16.24% $103/mo); Credit Card ($2500 18% 65K); Retail Card ($3000 0% $135/mo); Retail Card ($2100 19% $29/mo) |
Which debts do you plan to pay off with this loan? | Plan on using loan to consolidate all cards over 20.99% interest rate and closing cards. Total montly payments for these cards will be reduced from $858 to $784.39. We plan on paying off the other cards within 12 months and close cards except card with 16.24%. This card has a $5K limit and is needed for emergencies and business travel. Business travel is reimbursed by employers. We pay bills on time and look forward to putting this debt behind us. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage ($414K 5% $3064/mo); Student Loans ($78K 4.375% $530/mo); Credit Card ($8K 25.49% $250K); Credit Card ($14K 23.99% $450/mo); Credit Card ($2300 29.40% $88/mo); Retail Card ($3K 23.24% $70/mo) Credit Card ($4800 16.24% $103/mo); Credit Card ($2500 18% 65K); Retail Card ($3000 0% $135/mo); Retail Card ($2100 19% $29/mo) |
Which debts do you plan to pay off with this loan? | Plan on using loan to consolidate all cards over 20.99% interest rate and closing cards. Total montly payments for these cards will be reduced from $858 to $784.39. We plan on paying off the other cards within 12 months and close cards except card with 16.24%. This card has a $5K limit and is needed for emergencies and business travel. Business travel is reimbursed by employers. We pay bills on time and look forward to putting this debt behind us. |
Member Payment Dependent Notes Series 833555
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833555 |
$14,800 |
$14,800 |
17.99% |
1.00% |
August 11, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833555. Member loan 833555 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,000 / month |
Current employer: | Shaw Saab | Debt-to-income ratio: | 0.98% |
Length of employment: | 7 years | Location: | Pembroke, MA |
Home town: | |||
Current & past employers: | Shaw Saab | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
This money would be for surgery to correct disfigurement from an injury I sustained while serving in the Marine Corps in Iraq. This surgery has a quick recovery period and will not impede my work. I am working for the same company as I have been for almost 8 years now. I also have a part time job at night in TV Network Broadcast Production. It is a nightlife show that I have been their lead editor and producer for over 3 years now. Finally I have my own Production Company to do my freelance work.
A credit bureau reported the following information about this borrower member on July 18, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | 55 |
Revolving Credit Balance: | $3,103.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 88.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are the estimated expenses? | Monthly Expenses; Rent $500 (Heat and hot water included) Car insurance $64 (I have NO car payment. My car is payed off) Mobile phone $40 Internet $35 (I do not have cable. I just use my DVD Player or actually read a book) Electric $30 |
What is your intended use for the loan proceeds? | I tried to be more descriptive of the disfigurement corrective surgery from a Iraq war injury but that is not allowed by lending club. That is the reason for the delay. They denied my original response. |
What is your intended use for the loan proceeds? | I tried to be more descriptive of the disfigurement corrective surgery from a Iraq war injury but that is not allowed by lending club. That is the reason for the delay. They denied my original response. |
Member Payment Dependent Notes Series 833558
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833558 |
$25,000 |
$25,000 |
11.99% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833558. Member loan 833558 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,833 / month |
Current employer: | estes express lines | Debt-to-income ratio: | 3.19% |
Length of employment: | 10+ years | Location: | hanover, VA |
Home town: | |||
Current & past employers: | estes express lines | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > remodeling kitchen, also paying off 2 credit cards null Borrower added on 08/08/11 > I am currently paying $1,000 per month on my 2 cards I am paying off even though my min payment is 83 per card. I have never been late on mortgage or credit cards. I can easy make the monthly payments on this loan.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $16,595.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 22.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | remodel kitchen and pay off 2 credit cards |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | mortgage is 1900 per month. I make 130,000 per year. no home equity loans. 2 credit cards both are 20,000 credit lines. Both will be paid off and canceled with this loan. utilities per month 200 for electric. well water. min payments on the card is 80.00 each however we pay 500 per month on both cards so with paying these off we will have 1,000 more per month, minus this loan payment of 555 per month we are still in the positive. Sorry does that answer everything? oh the taxes and insurance on the house is about 250 per month that is in the mortgage payment. never been late on mortgage or any bills. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My mortgage is 1900 per month which includes insurance and taxes. I have no equiy loans or 2nd mortgage. Utilities are 200 per month |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I have answered this question twice for you so far |
If you have a delinquency in the last 2 years, please explain the reason. | I have none. All bills paid on time and usually early |
Member Payment Dependent Notes Series 833722
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833722 |
$8,000 |
$8,000 |
8.49% |
1.00% |
August 12, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833722. Member loan 833722 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,417 / month |
Current employer: | raton natural gas co. | Debt-to-income ratio: | 25.97% |
Length of employment: | 10+ years | Location: | RATON, NM |
Home town: | |||
Current & past employers: | raton natural gas co. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > i need the loan to pay off some credit cards and a hospital bill. i do have good credit and always pay on time, i know i can pay this loan back in less than 5 years , thank you for your offer to loan me the money. null
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 53 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,193.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 8.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | to pay off a hospital bill that my insurance didnt pay all of and to pay off some other bills.i need to get these paid off the interest rates on these are a little high i really would be thankful if you could help me out with this loan i know that i could pay it off in less than the five years. again thank you for your concederatin on this loan . |
Which debts do you plan to pay off with this loan? | to pay off a hospital bill that my insurance didnt pay all of and to pay off some other bills.i need to get these paid off the interest rates on these are a little high i really would be thankful if you could help me out with this loan i know that i could pay it off in less than the five years. again thank you for your concederatin on this loan . |
Member Payment Dependent Notes Series 833724
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833724 |
$14,000 |
$14,000 |
10.59% |
1.00% |
August 10, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833724. Member loan 833724 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,688 / month |
Current employer: | Tj Maxx | Debt-to-income ratio: | 12.20% |
Length of employment: | 10+ years | Location: | Sunnyvale, CA |
Home town: | |||
Current & past employers: | Tj Maxx | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $11,865.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 23.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The main purpose of the loan is to pay off my credit cards. |
What is your intended use for the loan proceeds? | To pay off my credit cards. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 1150, transportation averages 400 monthly, groceries averages 500 monthly, utilities on average 70 to 100 mth, cell phone 70. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 1150, transportation averages 400 monthly, groceries averages 500 monthly, utilities on average 70 to 100 mth, cell phone 70. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 1150, transportation averages 400 monthly, groceries averages 500 monthly, utilities on average 70 to 100 mth, cell phone 70. |
Member Payment Dependent Notes Series 833744
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833744 |
$22,875 |
$22,875 |
14.79% |
1.00% |
August 10, 2011 |
August 11, 2016 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833744. Member loan 833744 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,667 / month |
Current employer: | Wellstar health system | Debt-to-income ratio: | 27.33% |
Length of employment: | 6 years | Location: | Canton, GA |
Home town: | |||
Current & past employers: | Wellstar health system | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $69,812.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 58.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Actaully my balances have gone way down, I have paid off over 35k in the past year but I am looking to consolidate the rest of my debt into one payment at a lower interest rate. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | About 700, it varies. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | About 1700 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | To pay off the remaining debt consolidating into one loan. This will save me several hundred a month. |
Which debts do you plan to pay off with this loan? | The remaining debt. I have paid all of the smaller balances so I am only left with the larger balances, |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | This loan will pay of my existing debt and lower my interest from the upper 20's which will save me money and allow me to pay this debt off faster. |
What is your intended use for the loan proceeds? | To consolidate my remaining debt into one loan that has a lower payment and interest rate. |
Member Payment Dependent Notes Series 833772
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833772 |
$15,000 |
$15,000 |
6.99% |
1.00% |
August 11, 2011 |
August 11, 2014 |
August 11, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833772. Member loan 833772 was requested on July 28, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $6,000 / month |
Current employer: | n/a | Debt-to-income ratio: | 24.42% |
Length of employment: | n/a | Location: | Rancho Palos Verdes, CA |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 28, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1974 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 47 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $29,225.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 833889
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833889 |
$15,000 |
$15,000 |
15.23% |
1.00% |
August 10, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833889. Member loan 833889 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,250 / month |
Current employer: | Sparta Township Board of Education | Debt-to-income ratio: | 11.84% |
Length of employment: | 3 years | Location: | newton, NJ |
Home town: | |||
Current & past employers: | Sparta Township Board of Education | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > I plan to use the loan to pay off 3 credit cards. We no longer use the cards but the interest rate and the payments make it hard to catch up. With the 3 cards gone my monthly payment will be lower with the loan than the 3 cards. I have a steady job and am focused on removing debt.
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $23,216.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 35.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I plan on paying off 3 credit cards. We no longer use the cards and we just want to get rid of the balance on them. We are able to slowly pay it down now but the interest that accrues is horrible. The proceeds would go to eliminate the balances making our monthly payment 1 for the loan and less than the 3 cards combined. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My mortgage is $2600, I have no home equity loans out, utilities run about $200 a month, taxes and insurance are covered by the mortgage. |
Please explain the reason why you carry a large revolving credit balance. | About 3 years ago I switched jobs to advance my career. At the same time we had a new addition to the family. Between me switching jobs and an additional loss of income in the home we used credit cards to cover everything. That is over now. I moved to another job with a $30000 a year raise. We still only have one income with another new addition. I am working hard to pay of the credit cards from the initial move but finding it hard. This loan would remove them, plus the interest they acrue, and lower my monthly payment by almost half. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have 3 credit cards which total about $14000. The interest rates are in the 20's and the monthly payments total about $600 a month. I have no student loans or home equity lines of credit open. My mortgage is $2600 a month which includes taxes and insurance. |
Which debts do you plan to pay off with this loan? | I plan to eliminate 3 credit cards with this loan. I pay the cards monthly but am barely making a dent in them. With this loan I will eliminate the balances on these 3 cards which we do not use anymore and lower my monthly payment by about half. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I have 3 credit cards that I an consolidating with this loan. I do not use them anymore but I am having trouble paying them down. This loan will eliminate the three of them, lower my monthly payment, and be paid off in the five tear loan period I requested be debt free. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My mortgage runs about $2600 which includes taxes. Phone cable and Internet are $200 a month. Gas and electric are about $250 a month. Food and fun will go about $600 a month although we are limiting our "fun" as we work down the debt. Misc. Items run a couple of hundred depending on the month. Most left over goes toward the credit cards we no longer use. |
If you have a delinquency in the last 2 years, please explain the reason. | I have no delinquencies in the last two years. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | My mortgage, insurance, and taxes total $2600 a month. Other expenses food, utilities, credit cards, fun, etc. Total about $1000 to $1500 a month. |
Please explain the reason why you carry a large revolving credit balance. | I switched jobs in order to get some administrative experience so that I could then move to a school in New Jersey where the pay is better. It paid off for me as I know have the better job/better paying job in NJ. However, at the same time that I switched jobs I lost the second income that I had in the house. We used credit cards quite a bit just to stay afloat for the time being. Since then we no longer use those cards and are now dealing with the paying back of them. |
Member Payment Dependent Notes Series 833890
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833890 |
$7,000 |
$7,000 |
11.99% |
1.00% |
August 16, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833890. Member loan 833890 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,333 / month |
Current employer: | Schneider Electric | Debt-to-income ratio: | 7.16% |
Length of employment: | 1 year | Location: | EL PASO, TX |
Home town: | |||
Current & past employers: | Schneider Electric | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > Planning on using the funds to consolidate bills and make emergency purchase for home repair.
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1980 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 19 |
Revolving Credit Balance: | $797.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 21.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 833919
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833919 |
$30,000 |
$30,000 |
8.49% |
1.00% |
August 12, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833919. Member loan 833919 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,053 / month |
Current employer: | GE Healthcare | Debt-to-income ratio: | 0.21% |
Length of employment: | 10+ years | Location: | milwaukee, WI |
Home town: | |||
Current & past employers: | GE Healthcare | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > The money will be used for the development of housing of middle income families. This is the second project I have done with developer. My involvement is purely as investor, there is a firm developing the housing with a focus on affordable housing and with energy saving appliances Borrower added on 08/03/11 > the loan is going to be used for housing development for middle income families. This is going to be the second project i do with the project developers. The idea is to provide middle income families with a "good looking" housing and environmentally friendly appliances within developing countries
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $550.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 2.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | the loan is going to be used for housing development for middle income families. This is going to be the second project i do with the project developers. The idea is to provide middle income families with "good looking" housing and environmentally friendly appliances within developing countries |
What is your intended use for the loan proceeds? | the loan is going to be used for housing development for middle income families. This is going to be the second project i do with the project developers. The idea is to provide middle income families with "good looking" housing and environmentally friendly appliances within developing countries |
What is your intended use for the loan proceeds? | the loan is going to be used for housing development for middle income families. This is going to be the second project i do with the project developers. The idea is to provide middle income families with "good looking" housing and environmentally friendly appliances within developing countries |
What type of business are you starting? | The money will be used for the development of housing of middle income families. This is the second project I have done with developer. My involvement is purely as investor, there is a firm developing the housing with a focus on affordable housing and with energy saving appliances |
Please describe your experience/familiarity with the business you are starting/started? | this is the second project I have done with this developer. My experience has been limited as an investor and analyzing the potential demand of the end project but I have and will not be involved in the business day to day operations |
What do you project your monthly expenses for the first 6 months of your business? | let me just clarify something before I answer this. I am 1 of 18 investors of this business I will invest. Overall, I will be funding only 2.5% of the project. The total project will be funded for about $2MM and the expected expenses in the first 6 months will be about $1.3MM which will consiste mostly of the land acquisition and permits/licenses to process |
What do you project your monthly revenues for the first 6 months to be? | i don't expect any revenue in the first 6 months, the revenue is estimated to come until we reach the 1 year time line. The first 6 months will be dedicated on acquiring land, doing some demolition of current infrastructure and doing all the necessary permit processing. The second 6 months is when the real construction will occur. The actual construction will be done in 3 phases so that we can show apartments in phase 1 and start selling/obtaining revenue. |
Can you provide some high level financials on the monthly costs / revenue of your business? | high level the overall project will cost about $2MM. The first 6 months is where the bulk of the expenses will be done since its when we will buy the land, do some demolition and process permits. The second 6 months will be start of the actual development and we will start selling after the 1 year mark in phases. Overall the project is estimated to be a 3 year project with a expected IRR of 21% |
What type of business are you starting? | The money will be used for the development of housing of middle income families. This is the second project I have done with developer. My involvement is purely as investor, there is a firm developing the housing with a focus on affordable housing and with energy saving appliances |
What type of business are you starting? | The money will be used for the development of housing of middle income families. This is the second project I have done with developer. My involvement is purely as investor, there is a firm developing the housing with a focus on affordable housing and with energy saving appliances |
What is your intended use for the loan proceeds? | the loan is going to be used for housing development for middle income families. This is going to be the second project i do with the project developers. The idea is to provide middle income families with "good looking" housing and environmentally friendly appliances within developing countries |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | monthly expenses are about $1,500 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | housing expenses are about $1,600 |
What type of business are you starting? | The money will be used for the development of housing of middle income families. This is the second project I have done with developer. My involvement is purely as investor, there is a firm developing the housing with a focus on affordable housing and with energy saving appliances |
Please describe your experience/familiarity with the business you are starting/started? | this is the second project I have done with this developer. My experience has been limited as an investor and analyzing the potential demand of the end project but I have and will not be involved in the business day to day operations |
What will be the largest expense in the first six months? | the purchase of the land will be the biggest expense in the first 6 months. It represents about 56% of the total project expenses |
If you have a delinquency in the last 2 years, please explain the reason. | no delinquency not in the last 2 years nor ever. Current in all my bills and also at the moment |
Member Payment Dependent Notes Series 833937
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833937 |
$30,000 |
$30,000 |
18.39% |
1.00% |
August 10, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833937. Member loan 833937 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,500 / month |
Current employer: | ERPandERP Corp | Debt-to-income ratio: | 10.64% |
Length of employment: | 1 year | Location: | CHARLOTTE, NC |
Home town: | |||
Current & past employers: | ERPandERP Corp | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > I am looking for personal loan. null
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,320.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 16.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I would like to renovate my home |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent ( $250) , Transportaion( Gas $100) , utilities ($ 90) , Phone ($50) , Insurence ($ 80). Total : $ 570 . My Monthly Income $ 4300. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Rent (250) , utilities (100) , insurance (80) |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | I am not paying any mortgage. House rent ( $ 250), insurence for car (80), My emploer will take card my insurence, House expenses ($ 250). |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent ($ 250) Transportation ($ 100) Utilities ($ 110) phone ( $40) Insurance ($80) food ($200) |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am not using load for Mulitple purposes. |
If you have a public record on file, please briefly explain the event and its resolution. | I Do not have any public records |
Please explain the reason why you carry a large revolving credit balance. | I recently did balance transfer from one credit card to another credit card. which is free till 2010, So I need to pay before that. |
If you have a delinquency in the last 2 years, please explain the reason. | I did not have any delinquency for last 5 years, Previously I took loan NW credit union and paid off . |
Member Payment Dependent Notes Series 833946
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833946 |
$16,000 |
$16,000 |
16.89% |
1.00% |
August 12, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833946. Member loan 833946 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,600 / month |
Current employer: | crump ins srvs | Debt-to-income ratio: | 15.08% |
Length of employment: | 5 years | Location: | staten island , NY |
Home town: | |||
Current & past employers: | crump ins srvs | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,788.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is $625 utilities included, cell phone is $100 & food is $200 approx. Transportation is $100 a month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current debt $14,000 on credit cards the interest rates are between 11% & 20%. Paying them all off with this loan. |
Which debts do you plan to pay off with this loan? | credit cards are the only debt i have at $14,000. that is what this loan is for. |
Member Payment Dependent Notes Series 833957
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833957 |
$20,400 |
$20,400 |
17.49% |
1.00% |
August 16, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833957. Member loan 833957 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $6,667 / month |
Current employer: | pa state | Debt-to-income ratio: | 18.57% |
Length of employment: | 10+ years | Location: | catawissa, PA |
Home town: | |||
Current & past employers: | pa state | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > debt consolodation
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 56 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $21,189.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 67.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | recently went through a divorse where I took most of the marital bills. |
Which debts do you plan to pay off with this loan? | 2 personal loans, home depot card, sears card, paypal account. trying to combine all payments into one. |
Please explain the reason why you carry a large revolving credit balance. | recently went through a divorse where I took most of the marital bills. |
Please explain the reason why you carry a large revolving credit balance. | recently went through a divorse where I took most of the marital bills. |
Please explain the reason why you carry a large revolving credit balance. | recently went through a divorse where I took most of the marital bills. |
Which debts do you plan to pay off with this loan? | 2 personal loans, home depot card, sears card, paypal account. trying to combine all payments into one. |
What is your intended use for the loan proceeds? | paying off all credit cards and store cards. Also combining two personal loans. Debt is mostly the result of a prolonged divorce proceeding in which I agreed to take most of the marital debt. I am currently making all payments on time but consolidation will free up more disposable income for myself. |
Which debts do you plan to pay off with this loan? | 2 personal loans, home depot card, sears card, paypal account. trying to combine all payments into one. |
What is your intended use for the loan proceeds? | planning to combine all credit card bills and payoff a personal loan. bills being paid. paypal. home depot. two visa cards. and a personal loan to bank. |
Member Payment Dependent Notes Series 833971
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833971 |
$35,000 |
$35,000 |
18.39% |
1.00% |
August 12, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833971. Member loan 833971 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,417 / month |
Current employer: | TSYS | Debt-to-income ratio: | 10.19% |
Length of employment: | 10+ years | Location: | Phenix City , AL |
Home town: | |||
Current & past employers: | TSYS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > This loan will help with the financing I need for my business startup. I have both a good credit score, business plan and a location but did not have all of the collateral needed for a traditional type of loan. Thank you for working with me to meet the rest of my financial needs with this loan. Borrower added on 07/29/11 > Here is some additional information concerning my start up business and business plan. As far is my business plan I've been working the last 7 months I have 3 years of cash flow projections laid out. At a starting capacity of only 30 percent of the vendor booths filled, it should only take 6 months of being in Business, growing 5 percent per month in order to reach profitability. I have a revenue streams set up to make money from renting vendor booths on a 3 month lease also an advertising ring of local businesses inside of the store a long with cleaning revenue of the booths per week ect. The location is anchored by a major national retailer along with 10 other small stores and consists of 47,000 square feet of space. Borrower added on 07/29/11 > At our startup company we plan on keeping a positive footprint in the community. We will be offering certain weekends where we will be donating a small portion of our revenues 2 werthy causes such as the humane society, different cancer research organizations, fire departments, etc. Additionally we have a 5 year plan to hire a total of 13 full time employees and 4 part time employees. Not only will we be creating jobs and helping worthy organization's, but we will be providing a place for individuals to both buy and sale items Borrower added on 07/29/11 > Just to give a small excerpt of my work history, I have a bachelor of science degree in business administration with a concentration of marketing from a major university. Additionally I have 5 years of management experience 10 years of retail experience, and have been at my full time job for over 10 years now. I have both of my vehicles paid off and i am paying on a mortgage for both my primary and a rental home that I own. I am 1 of the senior members of my team at work and would make a very good borrower due to the fact that I must maintain a good credit history for the job I currently work and have I had only 1 late payment in the last 10 years Borrower added on 08/01/11 > I have worked with a small business development center to stream line my business plan in order to find any of the usual pitfalls for a startup business, ahead of time. Borrower added on 08/01/11 > Questions? null Borrower added on 08/05/11 > Second hand retail sales is a booming market right now! This location has tons of square feet of space, and has lots of room for growth!
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $36,328.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 93.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | My intended use for the proceeds covers in a few areas of start up including fixed assets of building material to build vendor booths for this indoor location along with a software system 1-2 computers and a few security items such as cameras and alarms. Additionally I need some of the funds for a multi level advertising program and also sinage for the location. These funds will help me to build the necessary booths needed --- in phases-- to accommodate the vendors that will be releasing these booths for a 3 month minimum lease. A smaller portion of these funds will be used for operating capital over the first few months of the business being open for business. |
What type of business are you starting? | The type of business that I am starting is a second hand store of which is called a thrift mall. Vendors pay for a booth inside of my store location, setup on a 3 month lease. All vendor items are catalogued and assigned a barcode. All items are purchased at the store cash registers located at the front of the store. This is known as a thrift mall store concept/setup. |
Member Payment Dependent Notes Series 833996
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
833996 |
$13,000 |
$13,000 |
10.59% |
1.00% |
August 17, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 833996. Member loan 833996 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,500 / month |
Current employer: | LOS ANGLELES POLICE DEPT | Debt-to-income ratio: | 6.67% |
Length of employment: | 10+ years | Location: | WHITTIER, CA |
Home town: | |||
Current & past employers: | LOS ANGLELES POLICE DEPT | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/15/11 > CURRENT MORTGAGE IS $2140 WITH TAX AND INSURANCE... NO CAR LOAN... NO LINE OF CREDIT.. null
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 19 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,719.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | consolidate credit cards debt...into one manageable convenient dedt |
Which debts do you plan to pay off with this loan? | CREDIT CARDS.. JUST TRYING TO CONSOLIDATE SEVERAL INTO JUST ONE... TNK |
Member Payment Dependent Notes Series 834002
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834002 |
$35,000 |
$35,000 |
13.99% |
1.00% |
August 11, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834002. Member loan 834002 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $17,083 / month |
Current employer: | Champps | Debt-to-income ratio: | 13.16% |
Length of employment: | 10+ years | Location: | Swedesboro, NJ |
Home town: | |||
Current & past employers: | Champps | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/31/11 > Pay off credit cards. Have a job. 8,000 monthly budget. With company for twelve years. null
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $51,856.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 62.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Chase Credit Card, Balance 14,500, Payment 750.00, interest rate 12.5 percent Bank of America Credit Card 13,100, Payment 500.00, interset rate 12.0 percent AT&T Universal Credit Card 14,000, Payment 500.00, interest rate 14.7 percent AMX Credit Card 21,822, Paymnet 475.00, interest rate 13.24 percent Bank of America Mortgage 402,000, Payment 3654.00 intrest 5.35 PNC Equity Line 67,740, payment 250 interest prime +1 |
What is your intended use for the loan proceeds? | To consolidate credit cards to one payment |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | This question was answered in the first posting The mortgage 3654 and the breakdown 856 per month for taxes and 107.50 per month for insurance. The rest goes to interest and principal. Equity Line is 250 per month. Utilities are 340 for electric and 100 for gas. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Most of these questions are posted already Phone is 75 dollars a month Food & necessities 300 dollars a month Gas is 200 a month for both cars |
If you have a delinquency in the last 2 years, please explain the reason. | Never been delinquent on any bills |
Member Payment Dependent Notes Series 834033
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834033 |
$21,600 |
$21,600 |
19.29% |
1.00% |
August 12, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834033. Member loan 834033 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,595 / month |
Current employer: | Associate Insurance Agency | Debt-to-income ratio: | 10.72% |
Length of employment: | 10+ years | Location: | Baytown, TX |
Home town: | |||
Current & past employers: | Associate Insurance Agency | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/28/11 > I am consolidating my loans so that payment is made through one account and paying of my credit cards etc. Borrower added on 06/28/11 > I am consolidating my loans so that payment is made through one account and paying of my credit cards etc. Borrower added on 07/15/11 > Current debt is 1 Credit cards = 15,500 Rate 25 % other personal loans 45,00. Rate 27 % Borrower added on 06/28/11 > I am consolidating my loans so that payment is made through one account and paying of my credit cards etc. Borrower added on 06/28/11 > I am consolidating my loans so that payment is made through one account and paying of my credit cards etc. Borrower added on 07/15/11 > Current debt is 1 Credit cards = 15,500 Rate 25 % other personal loans 45,00. Rate 27 %
A credit bureau reported the following information about this borrower member on June 28, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | 86 |
Revolving Credit Balance: | $15,828.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 95.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Debt Bal $15,5500.00 credit card @ 25 % Pesonnal L. BlL: $4500.00 @ 27 % |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $750, Transport. 475.00, utilities, 550.00, Telephone 150. Misc 150 and food 360 |
Member Payment Dependent Notes Series 834052
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834052 |
$12,000 |
$12,000 |
5.99% |
1.00% |
August 11, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834052. Member loan 834052 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,917 / month |
Current employer: | n/a | Debt-to-income ratio: | 11.21% |
Length of employment: | 10+ years | Location: | aashland, WI |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/21/11 > paying off house and 4,000.00 back to my saving acct bought a $12,000.00 boat and payed cash for it. Borrower added on 07/24/11 > reason for paying house off 'i never have more then one loan at a time. Borrower added on 07/21/11 > paying off house and 4,000.00 back to my saving acct bought a $12,000.00 boat and payed cash for it. Borrower added on 07/24/11 > reason for paying house off 'i never have more then one loan at a time. Borrower added on 08/02/11 > Thanks to the investors your making a sure thing with me.my credit rating has allways been number one with me.thanks again null
A credit bureau reported the following information about this borrower member on July 21, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,017.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 4.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 950..00 for all i have no car payments health ins and company car are perks from work and 8.000.00 of this loan is paying off the house'so this will be my only payment. |
Member Payment Dependent Notes Series 834082
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834082 |
$33,950 |
$33,950 |
11.99% |
1.00% |
August 11, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834082. Member loan 834082 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,480 / month |
Current employer: | Penn State University | Debt-to-income ratio: | 6.22% |
Length of employment: | 10+ years | Location: | State College, PA |
Home town: | |||
Current & past employers: | Penn State University | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > I am planning a solar installation on one of my rental properties and thought this would be a good way to finance it. I need substantial capital up front but will get 30% back in a tax rebate because it is considered a commercial installation. I am also a lending club lender so I understand the frustration when people don't pay on time which is something you wont have to worry about with me. Please ask me questions if you have any concerns about funding my loan.
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,951.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 21.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My living expenses are $650 per month and I have about $700 in monthly debt payments mostly from a loan against my 401k and student loans. |
What is your intended use for the loan proceeds? | I intend to use it to finance the installation of solar panels at a rental property. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My living expenses are $650 per month and I have about $700 in monthly debt payments mostly from a loan against my 401k and student loans. |
Please explain the reason why you carry a large revolving credit balance. | I can't see what they are reporting to you but my revolving credit balance should be around $14,000. I used one of my credit cards that offered a 0% interest balance transfer offer to save a couple hundred dollars in interest on my loan against my 401k. That will be gone in a week or so and will be consolidated back to my 401k loan. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | This question was already answered - My Living Expenses are $650 per month and my personal debt service is $700 per month. |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | I don't feel comfortable providing this much detail online but I'll say this, the home I live in has a 50% LTV, my two rental properties have a LTV of 65% and 70% and they cash flow $400 per month. |
What is the estimated current market value of your home? | See previous answer regarding LTV of the home I live in. |
If you have a delinquency in the last 2 years, please explain the reason. | N/A - I haven't had any delinquencies |
Member Payment Dependent Notes Series 834086
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834086 |
$14,000 |
$14,000 |
10.99% |
1.00% |
August 10, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834086. Member loan 834086 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,167 / month |
Current employer: | Corning Inc | Debt-to-income ratio: | 11.34% |
Length of employment: | 10+ years | Location: | RADFORD, VA |
Home town: | |||
Current & past employers: | Corning Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,025.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Card @ 7K 7.49% Loan @ 5K 9.79% |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Card @ 7K 7.49% Loan @ 5K 9.79% |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Have no rent. Live in childhood home. Only expenses are phone(140.00mo) and Credit Card/unsecured loans(est 500.00 mo.) |
Which debts do you plan to pay off with this loan? | Credit card (est 7k) Personal loan(s) (3k-3.5k) |
Member Payment Dependent Notes Series 834105
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834105 |
$35,000 |
$35,000 |
10.99% |
1.00% |
August 11, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834105. Member loan 834105 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $14,000 / month |
Current employer: | n/a | Debt-to-income ratio: | 14.35% |
Length of employment: | 10+ years | Location: | Newport Beach, CA |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1964 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $49,843.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 22.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Some went to pay taxes the year my daughter got married and some was spent on her wedding. I am looking to pay this off and never have debt on a credit card again. |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | MasterCard---$42,733.04--18.990%--$1100.13 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | house payment $2100 app.,car$240, utilites$130, phone(home and mobile)$165, cwr insurance $100, home$75, food$300 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | house payment $2100 app.,car$240, utilites$130, phone(home and mobile)$165, cwr insurance $100, home$75, food$300 |
Member Payment Dependent Notes Series 834168
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834168 |
$31,300 |
$31,300 |
18.79% |
1.00% |
August 12, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834168. Member loan 834168 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,125 / month |
Current employer: | Wall Foss Financial, LLC | Debt-to-income ratio: | 17.57% |
Length of employment: | 10+ years | Location: | Lakeland, FL |
Home town: | |||
Current & past employers: | Wall Foss Financial, LLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > I have been employed by the same employer for 11 years and have a good income. I have always paid my debts on time and would like to consolidate my revolving debt to pay off within 3-5 years. Once the funds are received I will pay off and close the revolving accounts that are no longer needed. Thank you
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | 27 |
Revolving Credit Balance: | $44,586.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My mortgage payment is $1354.00 (Includes Taxes & Insurance Escrow) My car payment is $654 (I receive a $500/mo car allowance from my employer but I did not include that in my monthly income. My utilities average $250-$325/mo. My telephone, cable, internet is $150/mo and I would average food & incidentals at approx. (ins., etc.) $600/mo. There is a mortgage on my rental property and the payment is $854/mo. - I received $1650/mo in rent. - I hope this provides what you need. Thank you for your consideration. |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | American Express $14,177 - 19.5% Visa $10,295 - 18.375% Visa $2,790 - 18.275% I have never been late and have always paid more than the minimum balance. $400-$600 per month and they raised my interest rates when the economy fell apart. I feel as though I am having to pay for those who defaulted on their agreements and that is why I want to pay off and close these accounts. I appreciate your consideration. |
If you have a delinquency in the last 2 years, please explain the reason. | I have never had a delinquency with any creditor, nor any other payment. I have occaisionally paid within the 10 day grace period, but have never been considered past due on any debt. I have always been very concerned about my credit standing and believe in paying all debts on time and I do not like having the revolving debt. Thank you for your consideration. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I'm very sorry for the delayed response. I just realized that you asked this question. I had answered a similar question several days ago and the answer was published, but now it seems to have been removed. My monthly expenses include my mortgage of $1350 which includes taxes and insurance escrow, car payment of $650 (my company provides me a monthly car allowance of $500 which I did not include in my monthly income), cable, internet, phone $150.00, electric $250-$300 approx, insurance car $105 and food and incidentals approximately $600 mo. I also own a rental property and receive $1650/rent. My tenant has lived in that home for 2 years, is retired and intends to remain renting for as long as we will continue renting to her. Thank you for your consideration. |
Member Payment Dependent Notes Series 834179
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834179 |
$5,000 |
$5,000 |
6.99% |
1.00% |
August 11, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834179. Member loan 834179 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,900 / month |
Current employer: | n/a | Debt-to-income ratio: | 15.72% |
Length of employment: | n/a | Location: | brick, NJ |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1976 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $28,598.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 36.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | moving to a unfurnised house. divorcing |
Member Payment Dependent Notes Series 834212
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834212 |
$24,000 |
$24,000 |
10.99% |
1.00% |
August 15, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834212. Member loan 834212 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,917 / month |
Current employer: | Keenan and Assoc. | Debt-to-income ratio: | 12.33% |
Length of employment: | 1 year | Location: | Ontario, CA |
Home town: | |||
Current & past employers: | Keenan and Assoc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 22 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 47 | Months Since Last Delinquency: | 12 |
Revolving Credit Balance: | $10,332.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 14.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | To my knowledge I have not had delinquencies in the past 2 years. We just this month made our final auto payment and now own both cars. I am using this as a tool to consolidate all remaining debt and pay within a 3 year term. I have a child in college but he has received tuition remission from his employer for the remaining 2 years of schooling as he has been selected for his employer's management training program. Thus, we have selected to move forward, pay all outstanding debt within the next 3 year term. The goal is nothing owed anywhere but mortgage and that payment is on an accelerated basis. |
Member Payment Dependent Notes Series 834213
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834213 |
$25,000 |
$25,000 |
12.99% |
1.00% |
August 11, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834213. Member loan 834213 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,833 / month |
Current employer: | Emmanuel College | Debt-to-income ratio: | 14.37% |
Length of employment: | 8 years | Location: | Milford, MA |
Home town: | |||
Current & past employers: | Emmanuel College | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
This loan will be used to pay off all of my high interest debt and consolidate it into a single fixed payment. Please feel free to ask questions, I will try to reply in a timely manner. Borrower added on 08/07/11 > If it helps, I have a Bachelors Degree in Computer Information Systems, have had a stable job for 8+ years and have paid down my debt by $11K in the last year. The consolidation will help me further eliminate my debt.
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $25,948.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 35.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My monthly expenses are $2620/month including minimum credit card payments totaling $520/month. This covers mortgage/PMI/taxes on my house, car payment, utilities, phone/tv/internet, groceries, etc. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Citi Bank Visa 0% until 12/01/11 then 13.99% Balance $10,343.00 Minimum Payment: $155.00/month BoA Credit Line 9.99% Balance $11,363.86 Minimum Payment: $292.00/month BoA Visa 14.24% Balance: $1370.95 Minimum Payment: $48/month HSBC Bank Visa 0% until 12/01/12 then 18.99% Balance: 961.09 Minimum Payment: $25/month Total Current Minimum Payment: $520/month The first credit card is going to switch from 0% to 13.99% in a few months, I would rather switch away from them before then. I can not keep transferring balances to 0% cards because eventually the 3% transfer charges catch up to you. Personally, I would rather have a fixed payment with a payoff date than credit cards that go on for ever, even if in the end it costs me a bit more. It is just more flexible. |
Which debts do you plan to pay off with this loan? | All of the debts I listed Citi Bank, BoA Credit Line, BoA Visa, HBSC Visa will be paid off. I want only 1 bucket to payoff. Up until now the debt was too large to consolidate as most lenders will not exceed $15K and/or the interest rate would be much higher. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Citi Bank Visa 0% until 12/01/11 then 13.99% Balance $10,343.00 Minimum Payment: $155.00/month BoA Credit Line 9.99% Balance $11,363.86 Minimum Payment: $292.00/month BoA Visa 14.24% Balance: $1370.95 Minimum Payment: $48/month HSBC Bank Visa 0% until 12/01/12 then 18.99% Balance: 961.09 Minimum Payment: $25/month Total Current Minimum Payment: $520/month The first credit card is going to switch from 0% to 13.99% in a few months, I would rather switch away from them before then. I can not keep transferring balances to 0% cards because eventually the 3% transfer charges catch up to you. Personally, I would rather have a fixed payment with a payoff date than credit cards that go on for ever, even if in the end it costs me a bit more. It is just more flexible. |
What is your intended use for the loan proceeds? | To pay off all of my existing credit debt and have a single fixed payment /with fixed payoff date. |
Please explain the reason why you carry a large revolving credit balance. | Sorry, tried to answer before but they blocked my response due to specific personal content. In short, for several years expenses rose dramatically and pay remained stagnant until just last year. Due to the housing market, like many others there was no equity to draw on and I needed alternate funding sources. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am using the loan to consolidate my 4 credit accounts. You can see a list of the accounts, and balances and rates in a previous answer to another investors question. |
Member Payment Dependent Notes Series 834220
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834220 |
$30,000 |
$30,000 |
18.79% |
1.00% |
August 11, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834220. Member loan 834220 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,833 / month |
Current employer: | Biotronik, Inc. | Debt-to-income ratio: | 10.69% |
Length of employment: | < 1 year | Location: | MINNEAPOLIS, MN |
Home town: | |||
Current & past employers: | Biotronik, Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/30/11 > I will be using this loan to pay off credit card debt. I have a clean credit background with no defaults or late payments. I was irresponsible in the past with credit that was available to me and I overspent, but I am ready to get out of debt and have learned many lessons about responsible spending. I currently make the minimum payments on my debts every month, but I am getting nowhere in terms of finally closing the door on debt. This loan would give me an opportunity and a fresh start to consolidate high interest payments into a more reasonable one and pay it off within three years. My job is very stable and provides a lot of opportunity for growth in an equally stable sector. My excellent payment history is proof of my ability to pay and my income is steady. I am ready to be debt free and start to reach my savings goals in addition to being able to give back to my community. I have always paid my mortgage on time without any exception whatsoever. Please provide me with this opportunity to start fresh. You will not regret offering me this loan that will help me get out of debt in a short time and provide you with a good rate of return for your investment. If I am afforded this opportunity I would hope to help others with their goals as well by participating as a lender in the program. I should also mention that once these debts are paid off I intend to close most credit accounts, save 1 for emergencies and 1 that I need to use for work!<b I currently do not have any transportation expenses, as I live in a city where a car is unnecessary and my employer supports my public transportation pass. Here are the rest of my monthly expenses: Mortgage: $1643 Condo Association dues: $430 Student loans: $470 Credit accounts: $1100 Phone: $60 (additional support from employer) Utilities (cable/internet): $160 Insurances: $120 Groceries: $200 Entertainment, shopping, misc.: $1000 TOTAL: $5183 Borrower added on 08/08/11 > Thank you to all 205 investors who got me to 60% funding-I'm humbled and more appreciative than you know. Please help get me to my goal of 100% by Friday! You won't regret your decision. Thank you thank you thank you! null
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,697.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 90.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | First of all, apologies for the delay-lots of work travel lately have kept me quite busy. To answer your questions. My current debt balances are on a total of 12 accounts-mortgage, student loans, Citi Cards, Capital One credit card, Bank of America line of credit, Nordstrom, Trek card, American Express, Credit Suisse, US Bank line of credit, and Bill Me Later line of credit. My highest credit card balance is $8000, most are between $2000-$3000. My highest interest rate (not on the highest balance card) is 29% and the lowest is 9% on the cards/lines of credit. My mortgage payment is $1640/month. My student loan payments total $470/month at a rate of 4%. In total my monthly payments for the credit accounts total $1100 now which would be the equivalent of my payment for the loan. I'm not having any problem making the payment-I just want to make progress against the debt while saving at a suitable rate at the same time. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | First of all, apologies for the delay-lots of work travel lately have kept me quite busy. To answer your questions. My current debt balances are on a total of 12 accounts-mortgage, student loans, Citi Cards, Capital One credit card, Bank of America line of credit, Nordstrom, Trek card, American Express, Credit Suisse, US Bank line of credit, and Bill Me Later line of credit. My highest credit card balance is $8000, most are between $2000-$3000. My highest interest rate (not on the highest balance card) is 29% and the lowest is 9% on the cards/lines of credit. My mortgage payment is $1640/month. My student loan payments total $470/month at a rate of 4%. In total my monthly payments for the credit accounts total $1100 now which would be the equivalent of my payment for the loan. I'm not having any problem making the payment-I just want to make progress against the debt while saving at a suitable rate at the same time. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | First of all, apologies for the delay-lots of work travel lately have kept me quite busy. To answer your questions. My current debt balances are on a total of 12 accounts-mortgage, student loans, Citi Cards, Capital One credit card, Bank of America line of credit, Nordstrom, Trek card, American Express, Credit Suisse, US Bank line of credit, and Bill Me Later line of credit. My highest credit card balance is $8000, most are between $2000-$3000. My highest interest rate (not on the highest balance card) is 29% and the lowest is 9% on the cards/lines of credit. My mortgage payment is $1640/month. My student loan payments total $470/month at a rate of 4%. In total my monthly payments for the credit accounts total $1100 now which would be the equivalent of my payment for the loan. I'm not having any problem making the payment-I just want to make progress against the debt while saving at a suitable rate at the same time. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | First of all, apologies for the delay-lots of work travel lately have kept me quite busy. To answer your questions. My current debt balances are on a total of 12 accounts-mortgage, student loans, Citi Cards, Capital One credit card, Bank of America line of credit, Nordstrom, Trek card, American Express, Credit Suisse, US Bank line of credit, and Bill Me Later line of credit. My highest credit card balance is $8000, most are between $2000-$3000. My highest interest rate (not on the highest balance card) is 29% and the lowest is 9% on the cards/lines of credit. My mortgage payment is $1640/month. My student loan payments total $470/month at a rate of 4%. In total my monthly payments for the credit accounts total $1100 now which would be the equivalent of my payment for the loan. I'm not having any problem making the payment-I just want to make progress against the debt while saving at a suitable rate at the same time. |
Please explain the reason why you carry a large revolving credit balance. | Well I guess as stated in my profile I absolutely was not responsible in the past-particularly right out of college with the credit I was given. Now as I am more stable, I could potentially pay down more of the balances. But with the economy being what it is, I think it's important to maintain some liquid assets should something happen so that's been a priority for me. I certainly do not want to continue to have high balances, which is the point of the loan. I am ready to get myself out of debt, but I want to continue to build my reserves at the same time. |
Which debts do you plan to pay off with this loan? | I will pay off every line of credit and credit cards with this loan, as well as the private portion of my student loans. The only debt I plan to maintain should this loan be fully funded is my mortgage and federal student loans. And as mentioned in my loan description, I will close all open line of credit/credit cards with the exception of one to keep on hand for emergencies and to maintain my credit score and a second one that I use exclusively for work trips. If it is not fully funded I will pay off the card with the highest interest rate, followed by the one with the highest balance and work my way down from there depending on the value of the loan-basically to eliminate the highest payments and stack payments from there to pay off any remaining debts. |
Member Payment Dependent Notes Series 834250
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834250 |
$20,000 |
$20,000 |
17.99% |
1.00% |
August 16, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834250. Member loan 834250 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $13,333 / month |
Current employer: | E! Network / NBC Universal | Debt-to-income ratio: | 3.61% |
Length of employment: | 1 year | Location: | Los Angeles, CA |
Home town: | |||
Current & past employers: | E! Network / NBC Universal | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,731.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Debt/credit card consolidation. Pay off a car as well. |
Which debts do you plan to pay off with this loan? | Credit card debt settlements. We're clearing all the cc debt from the books. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | We rent a duplex (about $1600/mo). I have about 20k in student loans (2% interest, $200/mo. payments), and 6k in credit card debt (12% interest). |
What is your intended use for the loan proceeds? | Debt/credit card consolidation. Pay off a car as well. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | We rent a duplex (about $1600/mo). I have about 20k in student loans (2% interest, $200/mo. payments), and 6k in credit card debt (12% interest). |
Member Payment Dependent Notes Series 834252
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834252 |
$35,000 |
$35,000 |
16.49% |
1.00% |
August 16, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834252. Member loan 834252 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,858 / month |
Current employer: | Word & Brown | Debt-to-income ratio: | 2.32% |
Length of employment: | < 1 year | Location: | Mission Viejo, CA |
Home town: | |||
Current & past employers: | Word & Brown | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
These funds will be used to invest in an oil/natural gas operation in the U.S. Once operational the well will generate ongoing monthly cash flow. I am very conscientious about paying my bills in full and in a timely manner. In addition to my earned income I also own several rental properties which generate sufficient monthly cash flow to make the payments on this loan.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,658.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 19.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please provide additional details regarding the purpose of the loan | These funds would be used to invest in an oil/natural gas well in the U.S. Once the well is operational in the next few months it would generate ongoing monthly cash flow. The sciences for a "sister well" in the same vicinity suggest a high potential production/output capacity for this well which would result in a favorable rate of return for investors. Let me know if you would like any additional clarification/information. |
What is your intended use for the loan proceeds? | This loan will be used to invest in an oil/natural gas operation in the U.S. Once the well is in full production mode within the next month the operation will generate ongoing, monthly cash flow for investors. At this point the preliminary sciences point to a high production output which would equate to a significant return. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Approximately $4,000. Note that in addition to my my earned income and my wife's earned income we also have rental properties that generate monthly cash flow for us. That extra income is more than enough to cover the monthly payments for this loan. |
Please provide additional details regarding the purpose of the loan | This loan will be used to invest in an oil/natural gas operation in the U.S. Once the well is in full production mode within the next month the operation will generate ongoing, monthly cash flow for investors. At this point the preliminary sciences point to a high production output which would equate to a significant return. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | This loan will be used to invest in an oil/natural gas operation in the U.S. Once the well is in full production mode within the next month the operation will generate ongoing, monthly cash flow for investors. At this point the preliminary sciences point to a high production output which would equate to a significant return. |
What is your intended use for the loan proceeds? | This loan will be used to invest in an oil/natural gas operation in the U.S. Once the well is in full production mode within the next month the operation will generate ongoing, monthly cash flow for investors. At this point the preliminary sciences point to a high production output which would equate to a significant return. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Approximately $4,000. Note that in addition to my my earned income and my wife's earned income we also have rental properties that generate monthly cash flow for us. That extra income is more than enough to cover the monthly payments for this loan. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Approximately $4,000. Note that in addition to my my earned income and my wife's earned income we also have rental properties that generate monthly cash flow for us. That extra income is more than enough to cover the monthly payments for this loan. |
Please provide additional details regarding the purpose of the loan | This loan will be used to invest in an oil/natural gas operation in the U.S. Once the well is in full production mode within the next month the operation will generate ongoing, monthly cash flow for investors. At this point the preliminary sciences point to a high production output which would equate to a significant return. |
Member Payment Dependent Notes Series 834286
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834286 |
$9,000 |
$9,000 |
11.49% |
1.00% |
August 10, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834286. Member loan 834286 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,200 / month |
Current employer: | columbus city schools | Debt-to-income ratio: | 15.86% |
Length of employment: | 3 years | Location: | Columbus, OH |
Home town: | |||
Current & past employers: | columbus city schools | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > BUSINESS EXPENSES , AUTO REPAIRS
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 21 |
Revolving Credit Balance: | $12,689.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | No always on time with all payments |
Please explain the reason why you carry a large revolving credit balance. | Ai do have alot of credit but never really use it and if I do it is paid off in full every month .... Have never missed a payment and have never been late .... I do have a few cards that I never even use though, looking to close them and have a little less revolving credit |
Member Payment Dependent Notes Series 834290
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834290 |
$6,375 |
$6,375 |
5.99% |
1.00% |
August 12, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834290. Member loan 834290 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,250 / month |
Current employer: | Franklin Templeton | Debt-to-income ratio: | 29.92% |
Length of employment: | 6 years | Location: | Fort Lauderdale, FL |
Home town: | |||
Current & past employers: | Franklin Templeton | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > This loan will complete my debt consolidation. My credit score is 754, I have been employed by the same company for 6+ years and I have no negative information in my credit file. Thank you for considering my loan request!
A credit bureau reported the following information about this borrower member on July 20, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 55 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,183.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 12.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | This will complete my debt consolidation allowing me to fully pay off my last remaining credit card balance. |
Which debts do you plan to pay off with this loan? | One credit card with a remaining balance of 6,148.17 |
What is your intended use for the loan proceeds? | This will complete my debt consolidation allowing me to fully pay off my last remaining credit card balance. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage $957 per month, Utilities $80 per month, Insurance $135 per month |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $957, utilities $80, insurance $135, phone $80, cable $40, student loan $175, car $350, credit card $220, personal loan $480 |
If you have a delinquency in the last 2 years, please explain the reason. | I have never had one. |
Member Payment Dependent Notes Series 834298
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834298 |
$15,000 |
$15,000 |
11.99% |
1.00% |
August 12, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834298. Member loan 834298 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,417 / month |
Current employer: | Albert Einstein Medical center | Debt-to-income ratio: | 11.09% |
Length of employment: | < 1 year | Location: | Maramoneck, NY |
Home town: | |||
Current & past employers: | Albert Einstein Medical center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 12, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 6 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $27,300.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Had unexpected events come up in the past year including moving to a new city for work and paying for work related expenses. |
Please provide additional details regarding the purpose of the loan | To cover unexpected costs of moving. Had to pay extra to move out of a bad apartment building and need to repair automobile. |
What is your intended use for the loan proceeds? | Same as above. Will need to pay for unexpected costs. Have a good credit history. No significant debt until this past year. |
Please explain the reason why you carry a large revolving credit balance. | Had unexpected events come up in the past year including moving to a new city for work and paying for work related expenses. |
Please provide additional details regarding the purpose of the loan | To cover unexpected costs of moving. Had to pay extra to move out of a bad apartment building and need to repair automobile. |
Member Payment Dependent Notes Series 834303
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834303 |
$30,000 |
$30,000 |
16.89% |
1.00% |
August 16, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834303. Member loan 834303 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,333 / month |
Current employer: | n/a | Debt-to-income ratio: | 7.12% |
Length of employment: | 5 years | Location: | Warwick, NY |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 14, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | 46 |
Revolving Credit Balance: | $1,948.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 72.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | House projects including refinish basement. |
Member Payment Dependent Notes Series 834329
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834329 |
$35,000 |
$35,000 |
15.99% |
1.00% |
August 17, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834329. Member loan 834329 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $11,667 / month |
Current employer: | Prince Georges County Police Department | Debt-to-income ratio: | 18.70% |
Length of employment: | 10+ years | Location: | Brandywine, MD |
Home town: | |||
Current & past employers: | Prince Georges County Police Department | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $19,971.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 90.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | About 6000.00 per month...I will be paying off my credit cards with this loan and anticipate paying the loan off within 18 months. |
Please explain the reason why you carry a large revolving credit balance. | I will be paying off the credit cards with this loan |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I owe about 34000 in credit cards and will be using this loan to pay them off. No student loans or lines of credit. |
What is your intended use for the loan proceeds? | pay off credit cards |
Please explain the reason why you carry a large revolving credit balance. | I will be paying off the credit cards with this loan |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I owe about 34000 in credit cards and will be using this loan to pay them off. No student loans or lines of credit. |
Which debts do you plan to pay off with this loan? | all credit cards |
Member Payment Dependent Notes Series 834396
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834396 |
$12,450 |
$12,450 |
16.49% |
1.00% |
August 11, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834396. Member loan 834396 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $10,833 / month |
Current employer: | Paul Effman Music | Debt-to-income ratio: | 10.01% |
Length of employment: | 10+ years | Location: | Briarwood, NY |
Home town: | |||
Current & past employers: | Paul Effman Music | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > 3 credit cards. i'm going to pay them all off completely. Borrower added on 08/10/11 > i do not have a mortgage. i do not have any debt except 3 credit cards. null
A credit bureau reported the following information about this borrower member on July 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 6 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $24,793.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have 3 credit cards. No mortgage. No student loans. This will consolidate my balances into one monthly payment |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have 3 credit cards. No mortgage. No student loans. This will consolidate my balances into one monthly payment |
Which debts do you plan to pay off with this loan? | 3 credit cards. All of them. My only debt. 3 credit cards. All of them. My only debt. |
Which debts do you plan to pay off with this loan? | 3 credit cards. All of them. My only debt. 3 credit cards. All of them. My only debt. |
What is your intended use for the loan proceeds? | To pay off credit card debt. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | This is complicated multi-question. I have no mortgage and no car payments. I have about 2.5-3k per month in expenses (bills) and my only debt is credit card. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Hi- I believe I have answered this. Please check back to see when it is approved and posted. Thanks. |
If you have a delinquency in the last 2 years, please explain the reason. | no deliquencies in my entire credit history... |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | to pay off 3 credit cards in full... |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | i do not have a mortgage. i do not have any debt except 3 credit cards. |
Member Payment Dependent Notes Series 834397
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834397 |
$8,000 |
$8,000 |
7.49% |
1.00% |
August 12, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834397. Member loan 834397 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $4,167 / month |
Current employer: | n/a | Debt-to-income ratio: | 17.98% |
Length of employment: | 10+ years | Location: | Largo, FL |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > This cash is going for surgery on my thumb. Without the surgery my business will suffer since it requires I use a track ball to restore old photographs. This is an unexpeceted expensive I did not budget. I would be able to pay a minimum of $2,000 or more per month until paid in full.
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $38,006.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 834431
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834431 |
$15,600 |
$15,600 |
17.49% |
1.00% |
August 11, 2011 |
August 12, 2016 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834431. Member loan 834431 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,000 / month |
Current employer: | United States Navy | Debt-to-income ratio: | 15.00% |
Length of employment: | 10+ years | Location: | chula vista, CA |
Home town: | |||
Current & past employers: | United States Navy | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I am a US military service member. null
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,119.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $2000 on credit card $8000 in other loans |
Which debts do you plan to pay off with this loan? | Credit card and other loans |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1000 a month for bills |
Which debts do you plan to pay off with this loan? | Credit card and other loans |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $2000 on credit card $8000 in other loans |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $2000 on credit card $8000 in other loans |
Which debts do you plan to pay off with this loan? | Credit card and other loans |
What is your intended use for the loan proceeds? | The intended use for the loan is to consolidate my long term debt into one easy monthly payment. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am using the loan to consolidate my debt which includes paying off a credit card and other small loans. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My monthly expenses are a car payment, loans, insurance, and other bills totaling $1026 a month |
If you have a delinquency in the last 2 years, please explain the reason. | I have not had any delinquncies in the last two years. |
Member Payment Dependent Notes Series 834559
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834559 |
$9,000 |
$9,000 |
5.99% |
1.00% |
August 10, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834559. Member loan 834559 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,667 / month |
Current employer: | Harris Lighting | Debt-to-income ratio: | 19.61% |
Length of employment: | 3 years | Location: | Jacksonville, FL |
Home town: | |||
Current & past employers: | Harris Lighting | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/30/11 > I wish I knew about this site earlier, I could have saved a lot of money over the last two years. How do I plan to use the funds? I plan to use this to pay off 3 different credit cards with high interest rates from 16 to 17.5%. What makes me a good borrower? I am a very responsible when coming to paying my bills. I have never miss a payment in my life (credit cards, house rent, car payments, cell phones, internet bill, etc). My car is almost paid off so this will ease up on the bills. How stable you job is? My job is pretty stable, we have been busy with projects and now we just hired another engineer to help us. If something happens at this job, I have a backup job with my family's business. Making a $275 a month should be no problem for me. The only reason I am doing this is because this will save me money in the the next few years and also I will have extra money at the end of the month to pay off my school loans. Borrower added on 07/30/11 > I wish I knew about this site a few years ago, I could have saved a lot of money. How do I plan to use the funds? I want to pay off 3 credit cards with high interest rates ranging from 16 to 17.5%. What makes me a good borrower? I am very responsible when it comes to my bills. I have never miss a payment (house rent, car payment, credit cards, cell phone bill, internet cable, etc). My car is almost paid off so this will ease up my bills. How stable is my job? It's pretty stable. I been slam with projects the last few years and we just hired a new engineer to help our stress level. If something was to happen with this job, I have a back up job at my family's business. Making a $275 payment should be no problem for me. It just saves me more money in the long run and I would have more money at the end each month. Borrower added on 08/07/11 > I would like to thank all the investors. null
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $11,652.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I plan to use this to pay off 3 different credit cards. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I rent by the room for 400 and then split utilities which is 100 per person. My monthly expenses is around 1900 for house rent, car payment, cable, phone bill, food & gas. The rest of my money goes towards my credit cards & school loan. My goal is to try to pay off all my debt within 3 years. |
Member Payment Dependent Notes Series 834566
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834566 |
$14,400 |
$14,400 |
9.99% |
1.00% |
August 10, 2011 |
August 12, 2014 |
August 12, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834566. Member loan 834566 was requested on July 29, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $11,666 / month |
Current employer: | Bio-Rad Laboratories | Debt-to-income ratio: | 14.21% |
Length of employment: | < 1 year | Location: | San Ramon, CA |
Home town: | |||
Current & past employers: | Bio-Rad Laboratories | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > - Plan wih these funds: Use this loan for some essential improvements in my home - I have very low debt on credit cards and a very good debt to income ratio - I also have a very stable job, good and stable income with a very good bonus package.
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $18,859.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 41.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | The credit balance is on a 0 % interest given by credit card, which I have used to further invest in a CD. |
What is the home improvement project you are planning? | Convert to tankless water heater, Fans in all rooms, water purifier to take care of hard water in our area and reverse osmosis for drinking water. |
Member Payment Dependent Notes Series 834615
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834615 |
$8,500 |
$8,500 |
7.49% |
1.00% |
August 12, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834615. Member loan 834615 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,000 / month |
Current employer: | E.M.S. Technologies | Debt-to-income ratio: | 13.14% |
Length of employment: | 4 years | Location: | Glen Burnie, MD |
Home town: | |||
Current & past employers: | E.M.S. Technologies | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,461.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 66.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The loan is to pay off all my credit cards .$1200 for my mortgage whitch has an escrow paying for taxes and insurance.If you still want the intererst rates on the cards Iam going to pay off let me know.This loan has a better interest rate than my cards and a slightly lower payment than when I add them together. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | 1200 for the mortgage escrow covers insurance and taxes. |
Which debts do you plan to pay off with this loan? | All my credit cards .This will give me a lower payment than all of them combined and will be paid off in 3 years . |
Member Payment Dependent Notes Series 834628
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834628 |
$3,500 |
$3,500 |
5.42% |
1.00% |
August 10, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834628. Member loan 834628 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,083 / month |
Current employer: | Le Clos | Debt-to-income ratio: | 5.85% |
Length of employment: | 5 years | Location: | Saint Marys, GA |
Home town: | |||
Current & past employers: | Le Clos | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,072.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 30.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are the balances, interest rates, and monthly payments on any other auto obligations? | I don't currently have any other car payments. |
Please explain the reason why you carry a large revolving credit balance. | I have about 6000 accrued from being uninsured and having to pay for having a child out of pocket. Another 3500 or so is financed lawn equipment for my parents business because they have poor credit. However I have 0 automobile loans and only owe around 50k on my mortgage. House is valued around 99k. |
Member Payment Dependent Notes Series 834642
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834642 |
$2,000 |
$2,000 |
13.99% |
1.00% |
August 16, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834642. Member loan 834642 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $2,917 / month |
Current employer: | m/s tube technologies | Debt-to-income ratio: | 0.51% |
Length of employment: | 2 years | Location: | muskegon, MI |
Home town: | |||
Current & past employers: | m/s tube technologies | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 2 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 3 | Months Since Last Delinquency: | 24 |
Revolving Credit Balance: | $278.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 9.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Home repair |
What is your intended use for the loan proceeds? | Home repair |
Member Payment Dependent Notes Series 834696
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834696 |
$10,000 |
$10,000 |
18.39% |
1.00% |
August 10, 2011 |
August 13, 2016 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834696. Member loan 834696 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,000 / month |
Current employer: | CSC/NASA | Debt-to-income ratio: | 13.86% |
Length of employment: | 2 years | Location: | El Paso, TX |
Home town: | |||
Current & past employers: | CSC/NASA | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > I am an owner builder, I own my land free and clear and currently do not have a mortgage or rent payment so 100% of funds are directed to the building and completion of the home. The 35 k I'm requesting will complete our home. I had a previous mortgage payment of $1300 dollars a month which I payed on for 6 years with 0 late payments or defaults. I'm a good borrower because even in hard times which everyone has had, my number one priority was the on time payment of all my loans, because I know like many what good credit means. I look forward to this loan. null
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,704.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 25.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | My intended use is to finish the construction of our home. I own are land free and clear, when home is complete it will appraise easily for at least 100,000. |
Is the improvement to your primary residence or an investment property? | It will be our primary residence. Semper Fi |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | About 150 0 |
Member Payment Dependent Notes Series 834707
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834707 |
$11,500 |
$11,500 |
8.49% |
1.00% |
August 12, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834707. Member loan 834707 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $2,070 / month |
Current employer: | Macy's | Debt-to-income ratio: | 16.14% |
Length of employment: | < 1 year | Location: | Palmdale, CA |
Home town: | |||
Current & past employers: | Macy's | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I believe my hard work and disciplined work ethic makes me more than a good borrowing risk. I plan to use the funds I receive from the Lending Club as a way of consolidating my credit card bills and significantly lowering my interest rate that I am now paying. I stay within a monthly budget that I have adhered to my entire life. I have a very stable job that I really enjoy and expect to continue and grow in for the years to come. Borrower added on 08/03/11 > I believe may excellent work ethic and always a great interest in paying my debts on time makes me a good borrower. I plan to use these funds to consolidate my credit card bills and start to receive a reasonable interest rate, making repayment possible. I have always had a monthly budget that I have lived by and will continue to do so with the acceptance of my debt consolidation loan. My job is very stable and I look forward to a good future in my position with a reliable future of promotions. Borrower added on 08/03/11 > I have entered more than six notes to lenders. Obviously I do not know what I am supposed to say. I have tried and tried to explain why I want this money and why I am a good credit risk and why they can lend the money to me and why I am a good risk! I plan to use the funds to pay off my credit card bills and do some repairs around my home. I have a stable job and look forward to the future with great anticipation! If this is not acceptable, please let me know exactly what it is you are looking for. Borrower added on 08/03/11 > I have filled this out numerous times. If they are not appropriate, please contact me at my email address telling why they are not acceptable. Thank you. Borrower added on 08/03/11 > I have filled this out numerous times. If they are not appropriate, please contact me at my email address telling why they are not acceptable. Thank you.
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | 70 |
Revolving Credit Balance: | $10,998.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | During the last five to six years I have been taking care of an aunt who was like a mother to me. She was being abused by her family and I attended many court appearances with her and they were several hundred miles from my home and I had to stay in a hotel when I went to see her. I went through this for several years fighting a lawsuit filed by her family against myself and my children for abuse against my aunt. When it was finally all settled and they had spent all of her money, they no longer cared and I brought her to live with me for the remaining years of her life. She was 96 when we lost her and it was a trying time for my children and myself. I was not able to work during that time and costs were very high at times. It has been two years since she passed and I wouldn't change a thing I had to do. She was there to help my Mom when I was born and she was there to help me when my daughter was born. I loved her very much and miss her every day. |
Member Payment Dependent Notes Series 834743
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834743 |
$6,475 |
$6,475 |
10.59% |
1.00% |
August 11, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834743. Member loan 834743 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,417 / month |
Current employer: | Cambridge Associates | Debt-to-income ratio: | 7.13% |
Length of employment: | 1 year | Location: | Cambridge, MA |
Home town: | |||
Current & past employers: | Cambridge Associates | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/30/11 > Professional individual looking to consolidate expenses into one monthly payment. Good credit, pay all my bills on-time.
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | 16 |
Revolving Credit Balance: | $473.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 17.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I have not had any late paid bills in the last two years. |
Member Payment Dependent Notes Series 834791
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834791 |
$24,000 |
$24,000 |
17.99% |
1.00% |
August 12, 2011 |
August 13, 2016 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834791. Member loan 834791 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,424 / month |
Current employer: | City of Redondo Beach | Debt-to-income ratio: | 14.16% |
Length of employment: | 10+ years | Location: | Torrance, CA |
Home town: | |||
Current & past employers: | City of Redondo Beach | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > Since I have only 5 days left and barely near 20% funded, perhaps I need to be a bit more specific as to why I am trying to consolidate my debt which includes a Lending Club loan. Looking back I should have listed a loan for more than I did the last time. I did not pay off one credit card which was at 2.99%, but I was able to double the payments every month and had planned to have the card paid off the same time the Lending Club loan was paid. Since that time however, with the economy the way it is, I have had to cut back on the payments I make on the credit card and I will no longer be able to have it paid off in 3 yrs. I'm finding that it is much easier to budget if I had just one "loan" payment per month. This 24,000 will enable me to pay off my 3 yr Lending Club loan, the dept credit cards (which both have small balances) and the big credit card amount and still have money left to cover incidentals and adding more to my savings each month. I realize this will add an additional 2 years to my planned retirement, but then again, the economy might improve in a couple of years and I will be able to make bigger payments to pay this loan off earlier. I have managed to handle my bills in a timely manner, but I would like to make my life a little easier. Thank you for your interest.
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1970 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | 48 |
Revolving Credit Balance: | $6,515.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 32.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I owe a total of $26,000. Interest rates varying from 17.10 to 24.00. The debt balances consist of 3 credit cards (1 major and 2 store credit cards), one outstanding loan from the lending club. I plan on paying off the current outstanding lending club's loan and the high interest cards. |
Which debts do you plan to pay off with this loan? | I plan on paying off an outstanding Lending Club loan with an approx pay-off of $12,345. The rest will go towards my high interest cards. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I owe a total of $26,000. Interest rates varying from 17.10 to 24.00. The debt balances consist of 3 credit cards (1 major and 2 store credit cards), one outstanding loan from the lending club. I plan on paying off the current outstanding lending club's loan and the high interest cards. |
Which debts do you plan to pay off with this loan? | I plan on paying off an outstanding Lending Club loan with an approx pay-off of $12,345. The rest will go towards my high interest cards. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | On my credit cards (minimum payment) I pay $286 although I usually pay at least minimum and interest. Lending club $462; Other monthly expenses run $1800 not including miscellaneous items, phone, doctor bills, etc. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I owe a total of $26,000. Interest rates varying from 17.10 to 24.00. The debt balances consist of 3 credit cards (1 major and 2 store credit cards), one outstanding loan from the lending club. I plan on paying off the current outstanding lending club's loan and the high interest cards. |
Which debts do you plan to pay off with this loan? | I plan on paying off an outstanding Lending Club loan with an approx pay-off of $12,345. The rest will go towards my high interest cards. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Current monthly expenses, excluding credit card, loan payment is approx $2000. |
Member Payment Dependent Notes Series 834810
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834810 |
$16,000 |
$16,000 |
17.49% |
1.00% |
August 15, 2011 |
August 13, 2016 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834810. Member loan 834810 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $5,250 / month |
Current employer: | IFH | Debt-to-income ratio: | 21.68% |
Length of employment: | 7 years | Location: | Hudson, NC |
Home town: | |||
Current & past employers: | IFH | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/30/11 > SWIMMING POOL Borrower added on 07/30/11 > WE ARE INSTALLING A SWIMMING POOL. Borrower added on 07/31/11 > We plan to install a pool at our home. We have lived here for about 8 years. Job security is very stable. I deliver to all the resturants from here to SC. Borrower added on 08/03/11 > THANK YOU FOR ALL FOR INVESTMENT.
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,299.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | ADDING ALL MY CURRENT EXPENSES A MONTH WILL RUN ME ABOUT 1200.00 A MONTH. THAT INCLUDES GAS BACK AND FORTH TO MY JOB ETC. |
What is your intended use for the loan proceeds? | FIRST WE ARE INSTALLING A POOL. THEN WE HAVE A CAMPER THAT WE ARE GOING TO PAYOFF AND THAT IS A 300.00 A MONTH PAYMENT. THEN WE HAVE A LITTLE CAR THAT THE ENGINE BLEW UP IN. WE WANT TO FIX IT BECAUSE WITH THE GAS PRICES, IT WILL SAVE A LOT OF MONEY. RIGHT NOW I DRIVE MY FORD F150 BACK AND FORTH AND I WANTED TO KEEP THE MILES DOWN AND THE GAS EXPENSE DOWN. I JUST PAID OFF THE TRUCK ABOUT 2MONTHS AGO. SO IF WE DO THIS CONSOLIADATION, IT WILL SAVE MONEY A MONTH. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | MONTHLY EXPENSES 1200.00. THAT INCLUDES GAS TO AND FROM WORK. I JUST PAID OFF MY FORD F150. WHICH WAS A 555.00 A MONTH PAYMENT. |
If you have a delinquency in the last 2 years, please explain the reason. | YES, WE HAVE HAD A DELIQUENCY, BECAUSE WIFE HAS AT BAPTIST HOSPITAL. SHE HAD CANCER ON HER RIGHT KIDNEY. THERE WAS COMPLICATIONS AND SHE HAD A LONGER RECOVERY TIME THEN EXPECTED. SHE IS DOING A LOT BETTER. |
Member Payment Dependent Notes Series 834822
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834822 |
$20,000 |
$20,000 |
15.23% |
1.00% |
August 11, 2011 |
August 13, 2016 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834822. Member loan 834822 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,917 / month |
Current employer: | Pella Windows | Debt-to-income ratio: | 24.77% |
Length of employment: | 4 years | Location: | Dunwoody, GA |
Home town: | |||
Current & past employers: | Pella Windows | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > Hello--Thanks for being a potential investor in my loan. I plan to pay off all of my credit cards then close them out. I have been following the Dave Ramsey "snowball" debt pay off plan but the interest rates on my cards are so high that I am spinning in circles. My job is very stable. I have been with the same company for 4.5 years now and have received several promotions (some were just title changes no salary increase). I will be promoted a mid level manager next month having more of my existing department report to me. Again thank you for considering me.
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 38 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,934.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 78.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Hello-My current monthly expenses are right around $2,000. If you would like this broken down in the categories you listed above I would be happy to do so. The amount of 2k does not include what I pay monthly to my credit cards. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My monthly expenses are almost exactly 2k. This does not include the money that I pay to my credit cards each month. |
Please explain the reason why you carry a large revolving credit balance. | I went through a tough time personally and had to live on credit for a bit. That time has passed and I no longer use the cards. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am paying off all of my credit cards. The funds will be allocated based on the balances owed. |
Which debts do you plan to pay off with this loan? | I plan to pay off all of my credit card debt, then close all but one of the accounts. I am going to leave one account open and that account has a 1k credit line. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My rent is 860 which includes water/basic cable/trash/sewer. I live in an apartment. My credit cards are as follows Chase-4,158 with 27.24 APR Chase-2,438 with 0 APR for first year AMEX-2,781 with 12.24 APR Capital One 780.00 with 16.90 APR Wells Fargo 8,692 with 17.15 APR The current way I am paying these down is that one card gets 300 a month until it is paid off, the others just get minimum payments. I have been trying to use the "Dave Ramsey snowball" method to pay off these cards. And it does work but the interest rates are eating me alive. |
Member Payment Dependent Notes Series 834888
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834888 |
$13,000 |
$13,000 |
7.49% |
1.00% |
August 11, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834888. Member loan 834888 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,500 / month |
Current employer: | Coppell ISD Mockingbird Elementary | Debt-to-income ratio: | 18.40% |
Length of employment: | 10+ years | Location: | Flower Mound, TX |
Home town: | |||
Current & past employers: | Coppell ISD Mockingbird Elementary | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > I plan to use the loan to pay off my toxic credit cards in just 3 years due to the lower interest rate and 3 year pay off plan. The minimum balance due on the credit cards currently is $396 a month. I can easily and consistently pay $400 a month for the agreed 3 years. I was so excited to see I could do it in 3 years verses a five year loan. The money I save will allow me to work towards paying off my low rate credit cards. Both plans allow me to work towards getting out of debt permanently. I see the light thanks to the 10 Commandments of Money. The book suggested peer to peer borrowing. This loan will allow me to work the 50-30-20 budget plan. My monthly budget is $3,300.00. I am a great borrower with a great rating. I pay back loans on time and in full. I have worked for an excellent school district that budgets money responsibly going on 9 years. I have been an educator for 18 years. I am certified in more than one area. Borrower added on 08/01/11 > I plan to use the loan to pay off my toxic credit cards in just 3 years due to the lower interest rate and 3 year pay off plan. The minimum balance due on the credit cards currently is $396 a month. I can easily and consistently pay $400 a month for the agreed 3 years. I was so excited to see I could do it in 3 years verses a five year loan. The money I save will allow me to work towards paying off my low rate credit cards. Both plans allow me to work towards getting out of debt permanently. I see the light thanks to the 10 Commandments of Money. The book suggested peer to peer borrowing. This loan will allow me to work the 50-30-20 budget plan. I am a great borrower with a great rating. I pay back loans on time and in full. I have worked for an excellent school district that budgets money responsibly going on 9 years. I have been an educator for 18 years. I am certified in more than one area. Borrower added on 08/06/11 > I was asked about utilities last night and replied avg.$200 but that would be just electric. Water runs on an average $50 and cell phone: $104. There is no house phone. null Borrower added on 08/10/11 > I am getting so excited that this is happening. How cool is it to get a lending hand from my USA peers! Just three weeks ago I read a financial book that finally made sense to me. I began to follow the steps and take action. So much has changed and evolved already. I look forward to being out of debt soon, and returning to this site as an investor! What awesome energy. In gratitude...... null
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 50 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $21,865.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To consolidate and pay off my four toxic (high interest rate) credit cards. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Monthly payments for credit card payment: $1018 Monthly credit card payment including this loan and payoff: $1051 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Taxes and insurance: $600 Not responsible for mortgage No equity loan or line of credit payment exists Electrical averages: $200 a month Water averages $50 a month Gas: $900 annual |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I do not pay rent just taxes and insurance: $600 Utilities average $325 (propane, water, & electric) Car insurance is $165 every 6 months, no car payment. Motorcycle insurance is $95 anual no motorcyle payment but helps cut down on gas expense which runs me $30-$80 a month depending on the weather. Food runs $400 |
If you have a delinquency in the last 2 years, please explain the reason. | I do not have any delinquencies. |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Amex: $5,037 @ 27.24% pymt: $147 Visa: $2,629 @ 15.24% pymt: $59.53 Visa:$4,130 @ 23.99% pymt: $126 MC: $1304 @ 19.24% pymt: $34 I know I'm short $400. I was not aware when I applied of the initial cost leaving the actual loan to be $12,600. I decided against re-applying for a higher amount. I feel I can cover this myself next month. |
Member Payment Dependent Notes Series 834976
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834976 |
$17,500 |
$17,500 |
20.99% |
1.00% |
August 15, 2011 |
August 13, 2016 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834976. Member loan 834976 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,750 / month |
Current employer: | Black Rabbit Bar | Debt-to-income ratio: | 11.09% |
Length of employment: | 3 years | Location: | Brooklyn, NY |
Home town: | |||
Current & past employers: | Black Rabbit Bar | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/30/11 > This loan consolidates my debt into one payment 33% less than what I have been paying each and every month for a few years, thus strengthening my ability to always pay on time and to actually invest in others loans!
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,935.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 98.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | HSBC card $3300 @28%, CHASE card $2700@ 29%, Cap One card $800@25%, another Cap One card $800@25%, Alaska VISA $7500@24%, paypal $800@ez%, Bill Me Later $900@18. I pay $600 month total and have done so consistently for a few years. Consolidating would pay off all of the accounts and reduce my monthly payments to $473. |
Which debts do you plan to pay off with this loan? | See the above. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1500 |
Member Payment Dependent Notes Series 834983
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
834983 |
$7,000 |
$7,000 |
5.99% |
1.00% |
August 12, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 834983. Member loan 834983 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,300 / month |
Current employer: | fedex | Debt-to-income ratio: | 18.65% |
Length of employment: | 7 years | Location: | salem, OR |
Home town: | |||
Current & past employers: | fedex | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > If this loan get's fully funded, it will save me about $100.00 per month on my payment's, plus about $800.00 in intrest. I've been on my job for 7 1/2 year's with no sign's of slowing down. i've got good credit or I woud not have gotten this far in the process null
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 74 |
Revolving Credit Balance: | $6,500.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 32.00% | Months Since Last Record: | 58 |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 835049
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835049 |
$26,375 |
$26,375 |
19.29% |
1.00% |
August 16, 2011 |
August 13, 2016 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835049. Member loan 835049 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,500 / month |
Current employer: | shaw | Debt-to-income ratio: | 22.84% |
Length of employment: | 2 years | Location: | Bismarck, AR |
Home town: | |||
Current & past employers: | shaw | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > job very stable in field that has high demand Borrower added on 08/04/11 > debt fully paid in five years Borrower added on 08/08/11 > my dept to income is real low Borrower added on 08/11/11 > i have never been late on a payment stable job the reason score is a little low becouse of the revolving dept i want to make it into a instalmet to raise score and pay one payment
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $35,849.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 14000 balance line of credit home improvements 19.9, 282.00 chase bank credit card 4000 12.99% 110. 00 chase bank card 110.00 4000.00 15.99% 3000 sams card 21.00% 115.00 Chase bank auto loan 416.00 5000 . student loan 1000 56.00 17.00% I ownerfinaice my house at 543.00 monthly 6.25 i owe 5 years on it I wasnt ot consolitdate these debts andhave one fixed payment |
Which debts do you plan to pay off with this loan? | all revoling credit depts thats the only dept i have the auto loan figured in as well and one fixed payment |
Please explain the reason why you carry a large revolving credit balance. | This is the only dept i have everything i purchased was on revolving dept i only hold one secure payment wich is chase bank auto in which i owe very little half of the dept is home improvements the rest is purchased good far a camper 4 wheeler and horse trailer i want to consolidate to bring this into one payment and have it paid for in 5 years |
Member Payment Dependent Notes Series 835155
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835155 |
$15,000 |
$15,000 |
13.99% |
1.00% |
August 10, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835155. Member loan 835155 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,333 / month |
Current employer: | Parametrix | Debt-to-income ratio: | 14.46% |
Length of employment: | 10+ years | Location: | Port Orchard, WA |
Home town: | |||
Current & past employers: | Parametrix | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1985 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 21 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 40 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $18,161.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 18.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 835166
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835166 |
$10,000 |
$10,000 |
5.99% |
1.00% |
August 11, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835166. Member loan 835166 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,292 / month |
Current employer: | Publix | Debt-to-income ratio: | 10.09% |
Length of employment: | 2 years | Location: | Winter Haven, FL |
Home town: | |||
Current & past employers: | Publix | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,211.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 12.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | moving |
Member Payment Dependent Notes Series 835246
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835246 |
$3,075 |
$3,075 |
15.23% |
1.00% |
August 17, 2011 |
August 25, 2014 |
August 25, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835246. Member loan 835246 was requested on August 11, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,723 / month |
Current employer: | Sovereign Bank | Debt-to-income ratio: | 23.06% |
Length of employment: | 10+ years | Location: | Lincoln, RI |
Home town: | |||
Current & past employers: | Sovereign Bank | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1983 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | 52 |
Revolving Credit Balance: | $7,279.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Have not been able to get the balance down. Everytime I am able to pay more on the balance, something comes up that wasn't planned for in my budget so I have to use it so I have taken this card out of my wallet until I am able to bring the balance down to a far lesser revolving amount which I will be able to manage better. |
What is your intended use for the loan proceeds? | To consolidate so I can bring my budget back in balance so I can live within my income and have money to buy groceries and gas which I have not been able add into my current budget. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | beta finance $2,457.79 bal, mo pymt $163.92 do not know interest rate Wells Fargo Financial $1,267.07 bal., mo pymt $177.44 , 27.99% apr RI Housing Mtg $856.89 mo pymt, 4.25 int rate,bal $111,091.29 RI Housing Mtg $32.16 mo pymt., soft second loan $3,955.83 int rate 5.25 Capital One CC $6,012.34, min. mo pymt $176.00, apr 22.90% Toyota Financial $13,978.60 bal, mo pymt $377.80, 0% apr |
Member Payment Dependent Notes Series 835269
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835269 |
$9,300 |
$9,300 |
9.99% |
1.00% |
August 15, 2011 |
August 13, 2016 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835269. Member loan 835269 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,083 / month |
Current employer: | CenturyLink | Debt-to-income ratio: | 27.28% |
Length of employment: | 10+ years | Location: | Woodland, WA |
Home town: | |||
Current & past employers: | CenturyLink | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/30/11 > loan is for home siding.
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1976 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,493.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 20.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | home improvement |
Please provide additional details regarding the purpose of the loan | replacing old home siding with vinyl |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | not being used for multiple purposes. |
Member Payment Dependent Notes Series 835324
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835324 |
$6,000 |
$6,000 |
5.42% |
1.00% |
August 11, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835324. Member loan 835324 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,600 / month |
Current employer: | n/a | Debt-to-income ratio: | 15.78% |
Length of employment: | n/a | Location: | LARGO, FL |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > I HAVE PURCHASED THE MOBILE HOME IT IS IN NEED OF A ROOF OVER, IN THE WORST WAY. I HAVE NO TROUBLE PAYING THE LOAN BACK. THANK YOU FOR ALL YOUR HELP. null Borrower added on 08/10/11 > I WOULD LIKE TO THANK ALL THAT HAVE GAVE TO THIS ACCOUNT, IT IS GREATLY APPRICIATED.
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,236.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 25.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | BUY A NEW TRAILER IN THE PARK I LIVE IN. |
Member Payment Dependent Notes Series 835351
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835351 |
$7,500 |
$7,500 |
7.49% |
1.00% |
August 15, 2011 |
August 13, 2014 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835351. Member loan 835351 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,000 / month |
Current employer: | PCC Network Solutions | Debt-to-income ratio: | 4.40% |
Length of employment: | 4 years | Location: | Rancho Cucamonga, CA |
Home town: | |||
Current & past employers: | PCC Network Solutions | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | 48 |
Revolving Credit Balance: | $6,924.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 35.10% | Months Since Last Record: | 107 |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 835427
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835427 |
$30,000 |
$30,000 |
12.99% |
1.00% |
August 15, 2011 |
August 13, 2016 |
August 13, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835427. Member loan 835427 was requested on July 30, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,583 / month |
Current employer: | The Hospital of Central CT | Debt-to-income ratio: | 13.21% |
Length of employment: | 10+ years | Location: | Bloomfield, CT |
Home town: | |||
Current & past employers: | The Hospital of Central CT | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/30/11 > Debt Consolidation Borrower added on 08/02/11 > I plan to pay off my high interest credit card and my remaining car loan balance. The loan will reduce my monthly costs by about $500 per month. null
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $21,217.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 49.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage includes taxes $1085 Car $385 Utilities $160 Credit Card $800 |
Please explain the reason why you carry a large revolving credit balance. | My revolving balance is my American Express credit card which I pay in full almost every month. I have been using it since 1991 so I can accumulate "points" to use for travel, gift cards etc. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Citibank Credit Card - Balance $20,000 - Interest Rate 19.99% - Monthly payment around $700 Mortgage - $1085 Auto Loan - Balance $4,000 - Monthly payment $400 |
Which debts do you plan to pay off with this loan? | Citibank credit card and car loan |
Please explain the reason why you carry a large revolving credit balance. | My revolving balance is my American Express credit card which I pay in full almost every month. I have been using it since 1991 so I can accumulate "points" to use for travel, gift cards etc. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Citibank Credit Card - Balance $20,000 - Interest Rate 19.99% - Monthly payment around $700 Mortgage - $1085 Auto Loan - Balance $4,000 - Monthly payment $400 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Citibank Credit Card - Balance $20,000 - Interest Rate 19.99% - Monthly payment around $700 Mortgage - $1085 Auto Loan - Balance $4,000 - Monthly payment $400 |
What is your intended use for the loan proceeds? | To pay off my high interest credit card and my car. This will allow me to save about $500 per month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Citibank Credit Card - Balance $20,000 - Interest Rate 19.99% - Monthly payment around $700 Mortgage - $1085 Auto Loan - Balance $4,000 - Monthly payment $400 |
Please explain the reason why you carry a large revolving credit balance. | My revolving balance is my American Express credit card which I pay in full almost every month. I have been using it since 1991 so I can accumulate "points" to use for travel, gift cards etc. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Citibank Credit Card - Balance $20,000 - Interest Rate 19.99% - Monthly payment around $700 Mortgage - $1085 Auto Loan - Balance $4,000 - Monthly payment $400 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Citibank Credit Card - Balance $20,000 - Interest Rate 19.99% - Monthly payment around $700 Mortgage - $1085 Auto Loan - Balance $4,000 - Monthly payment $400 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Citibank Credit Card - Balance $20,000 - Interest Rate 19.99% - Monthly payment around $700 Mortgage - $1085 Auto Loan - Balance $4,000 - Monthly payment $400 |
Member Payment Dependent Notes Series 835496
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835496 |
$20,200 |
$20,200 |
11.99% |
1.00% |
August 16, 2011 |
August 14, 2016 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835496. Member loan 835496 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,500 / month |
Current employer: | Propark Inc. | Debt-to-income ratio: | 1.31% |
Length of employment: | 2 years | Location: | Honolulu, HI |
Home town: | |||
Current & past employers: | Propark Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > My business partner and I are looking for money to help us building out our retail store. The money will be used for equipment and initial build out costs.
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 4 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,194.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 7.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please describe your experience/familiarity with the business you are starting/started? | I personally do not have any retail store experience. However, I do have management experience. Currently I'm an Area Manager for a parking management company. I manage 4 parking operations with about 20 employees. My responsibilities include scheduling, managing customer complaints, interfacing directly with property managers/landlords, training employees, generating financial reports, etc. We run a little business within our company but all responsibilities for those 4 operations fall on me. The other position I've held at the company is an executive assistant. I worked directly with the president to generate acquisitions for new business. This included responsibilities such as writing up proposals, managing contracts, and corporate planning and strategy. My partner's experience in retail is much more directly relevant. She's worked at Hollister, Macy's, Victoria's Secret, and more recently in a local boutique clothing store. Holding management level positions in the last latter two . She's spent the last three years at her local boutique and knows the operation well. Please let me know if this is adequate. If anyone would like more I'd be happy to add. |
Can you provide some high level financials on the monthly costs / revenue of your business? | Clothing Boutique Projected Income Statement 2011 2012 2013 Revenues 75,000 237,250 292,000 Cost of Revenues (34,091) (107,841) (132,727) % of Revenues 45% 45% 45% Gross Profit 40,909 129,409 159,273 % of Revenues 55% 55% 55% Sales and Marketing Salaries and benefits 0 0 0 Target bonus as percent of salary 0 0 0 Recruiting cost 0 0 0 Samples 0 0 0 Confrence fees (1,000) (1,000) (1,000) Materials (500) (200) (200) Website creation (100) 0 0 Website maintenance 0 (100) (100) Direct mailings (1,000) (1,000) (1,000) Advertising and public relations (1,000) (2,000) (4,000) Total Sales and Marketing (3,600) (4,300) (6,300) General and Admin Salaries and Benefits (11,250) (30,000) (33,000) Depreciation (2,000) (2,000) (2,000) Rent and Utilities (23,598) (56,635) (56,635) Product liability insurance (2,500) (6,000) (6,000) Legal fees 0 (10,000) (10,000) Capital expenditures (10,000) (5,000) (5,000) Accounting fees (2,000) (2,000) (2,000) Total Genereal and Admin (51,348) (111,635) (114,635) Total Operating Expenses (54,948) (115,935) (120,935) Net Income (17,639) 9,174 38,338 |
Member Payment Dependent Notes Series 835528
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835528 |
$17,600 |
$17,600 |
12.99% |
1.00% |
August 15, 2011 |
August 14, 2016 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835528. Member loan 835528 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,583 / month |
Current employer: | Ocean Duke Corporation | Debt-to-income ratio: | 12.84% |
Length of employment: | 3 years | Location: | Los Angeles, CA |
Home town: | |||
Current & past employers: | Ocean Duke Corporation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > How I plan on using the funds: I plan to consolidate some debts. What makes me a good borrower: I always pay on time, and I pay off any loan that I have. My monthly budget: Approximately $2628/month How stable my job is: My current job is very stable. Borrower added on 08/04/11 > How I plan on using the funds: Consolidate 2 loans and a credit card. What makes me a good borrower: I always pay on time, and I pay off any loan that I have. How stable my job is: Very stable. The industry I work in is also stable.
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,139.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 48.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Rent: $919/month. Insurance: $132/month. Utilities: approximately $240/month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Card: $3064.04 balance ($70-150/month) Personal Line of Credit: $9095.00 balance ($198/month) Summer Loan: $5867.88 |
Which debts do you plan to pay off with this loan? | Personal Line of Credit (pay in full) Summer Loan (pay in full) Credit Card (pay most) |
Please explain the reason why you carry a large revolving credit balance. | Had a few emergency expenses to deal with in 2010. |
What is your intended use for the loan proceeds? | I plan on using it for consolidating a line of credit and a loan that have proven to become a little too expensive to make payments on. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: $919 Transportation: $120 for gas Utilities: $70 electric/$15 gas Phone/DSL: $85 Cell Phone: $140 Insurance: $135 Line of Credit/Current Loan: (planning on paying off with this loan) Credit Card: (Paying down balance with this loan) Food: (apx.) $200 |
If you have a delinquency in the last 2 years, please explain the reason. | I have no delinquencies. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I have three purposes: One is to pay off an existing loan and another is to pay off a line of credit. The third purpose is to pay down my credit card (which has a fairly low balance at this time anyway). |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | I don't have a mortgage. I pay rent ($919/month). |
If you have a public record on file, please briefly explain the event and its resolution. | I do not currently have a public record on file, at least not to my knowledge. |
Member Payment Dependent Notes Series 835537
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835537 |
$2,400 |
$2,400 |
12.99% |
1.00% |
August 10, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835537. Member loan 835537 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,583 / month |
Current employer: | Defense Finance Acquisition Services DOD | Debt-to-income ratio: | 15.01% |
Length of employment: | 4 years | Location: | San Diego, CA |
Home town: | |||
Current & past employers: | Defense Finance Acquisition Services DOD | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > This will cover much of the start up cost of my real estate investment business to include establishment of an LLC, purchase of accounting software for tracking balance sheets for each property and the business as a whole and travel money to research the market in question.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | 41 |
Revolving Credit Balance: | $6,495.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 35.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 1200 however I receive a stipend of 1860 for lodging per month, gas is less than 100 a month, utilities are 45 a month, phone is 115, I get a monthly stipend for food of 260 dollars and usually spend around that on it, I owe 150 dollars left on my car insurance for the year and I pay 367 dollars for a 1% loan that covers my car and student loans. Justin |
Member Payment Dependent Notes Series 835645
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835645 |
$20,000 |
$20,000 |
7.49% |
1.00% |
August 10, 2011 |
August 14, 2014 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835645. Member loan 835645 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,000 / month |
Current employer: | Comcast | Debt-to-income ratio: | 26.67% |
Length of employment: | 10+ years | Location: | Stone Mountian, GA |
Home town: | |||
Current & past employers: | Comcast | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I plan to use the loan to consolidate my bills and reduce the higher interest rates I'm currently paying. This loan will assist me with making lower monthly payments and paying off the debt in a shorter period of time.
A credit bureau reported the following information about this borrower member on July 31, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1985 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 19 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 78 |
Revolving Credit Balance: | $22,644.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 24.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Bill consolidation for a lower interest rate. |
What is your intended use for the loan proceeds? | Bill consolidation for a lower interest rate. |
Member Payment Dependent Notes Series 835682
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835682 |
$11,200 |
$11,200 |
11.99% |
1.00% |
August 15, 2011 |
August 14, 2016 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835682. Member loan 835682 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,920 / month |
Current employer: | CareCentrix | Debt-to-income ratio: | 21.71% |
Length of employment: | < 1 year | Location: | MIDDLETOWN, CT |
Home town: | |||
Current & past employers: | CareCentrix | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/31/11 > I have a good credit history and an excellent employment history. I continue to excel in my field and have consistently shown that I move quickly up the corporate ladder. I expect a significant promotion within the next three months. I plan to use the money for some unexpected expenses that have recently surfaced and have done a financial analysis to ensure I have the capital to make the monthly payments in a timely manner. I own my car and do not hold a loan on it - I choose to rent vs. own a home to to the fact that my employer has multiple locations and a promotion will most likely mean a relocation.
A credit bureau reported the following information about this borrower member on July 31, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 40 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,091.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 44.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My total current monthly expenses are $2500.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My total current monthly expenses are $2500.00 |
Member Payment Dependent Notes Series 835703
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835703 |
$30,000 |
$30,000 |
15.99% |
1.00% |
August 12, 2011 |
August 14, 2014 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835703. Member loan 835703 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,667 / month |
Current employer: | keller williams regional office | Debt-to-income ratio: | 13.54% |
Length of employment: | 4 years | Location: | troutman, NC |
Home town: | |||
Current & past employers: | keller williams regional office | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 31, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | 77 |
Revolving Credit Balance: | $28,504.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | hilton, wells. wachovia. chase, citibank |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 6,000, 5200, 7300,4550, 18%-29%, $125-$150. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 1900.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 1900.00 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am paying off multiple credit cards with high interest rates. |
Member Payment Dependent Notes Series 835863
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835863 |
$28,000 |
$28,000 |
7.49% |
1.00% |
August 16, 2011 |
August 14, 2014 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835863. Member loan 835863 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,167 / month |
Current employer: | AARP | Debt-to-income ratio: | 0.44% |
Length of employment: | < 1 year | Location: | Germantown, MD |
Home town: | |||
Current & past employers: | AARP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/31/11 > This loan is to help me help my parents. They have found themselves in a jam helping one of my wayward siblings and I only have about $22k ready cash, they need $50k. They are good for it, they are giving me one of their houses for collateral. They worked hard to raise us and have a good retirement life, I feel I must try to help them.
A credit bureau reported the following information about this borrower member on July 31, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1985 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,029.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 4.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please provide additional details regarding the purpose of the loan? | My parents bought into a business to help my brother (a spa) it wasn't running very well so my brother missed payments (and didn???t tell my parents who could have helped). They (all of them) are now being sued for the back payments (my brother has no money and nothing to lose). My parents thought that my brother???s company would be liable if anything went wrong, but they actually signed a paper that made them personally responsible. So they need this loan from me to make the back payments and earnest. My parents used up all of their ready cash and cashed in some retirement to put $80k in the business to start it up. All of their other money is tied-up in homes they bought to get rent to supplement their retirement. Their line of credit is frozen because of this thing, so they have no liquid monies. They are putting up one of their paid-off homes worth over 3 times the total loan I am giving them as collateral. In the meantime, they will try to sell some of their other properties so they can pay me back quicker. But that takes time. They will also pull out of the business when it makes sense, but for now they are stuck. Thank you for your kind consideration. |
Member Payment Dependent Notes Series 835875
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835875 |
$15,000 |
$15,000 |
5.99% |
1.00% |
August 10, 2011 |
August 14, 2014 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835875. Member loan 835875 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,917 / month |
Current employer: | Bi-Lo | Debt-to-income ratio: | 6.16% |
Length of employment: | 1 year | Location: | Chapin, SC |
Home town: | |||
Current & past employers: | Bi-Lo | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/31/11 > debt consolidation
A credit bureau reported the following information about this borrower member on July 31, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1977 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,659.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 21.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | visa-wells fargo 8688.00 0%rate min pay 174.00 want to pay off with loan. capital one 3970.77 12% pay ment made 150.00 a month. Want to pay off with loan. Mortgage-Bank of america. monthly payment 1138.77 balance 133.269. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | house payment-1138.77 includes taxes and home owners insurance sc car tax is 79.22 per yr utilities,cable-400 to 500 per month |
Member Payment Dependent Notes Series 835894
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835894 |
$15,000 |
$15,000 |
22.11% |
1.00% |
August 10, 2011 |
August 14, 2016 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835894. Member loan 835894 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,000 / month |
Current employer: | Kaiser Permanente | Debt-to-income ratio: | 4.54% |
Length of employment: | 10+ years | Location: | Vancouver, WA |
Home town: | |||
Current & past employers: | Kaiser Permanente | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/31/11 > Consolidate loans
A credit bureau reported the following information about this borrower member on July 31, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,275.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 3500 |
Please explain the reason why you carry a large revolving credit balance. | That is why I want the loan. To pay them off and close the accounts. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage $180000 @ 5%. Credit cards $22000 @ 20%. Student loan $6000 @ 8% |
Which debts do you plan to pay off with this loan? | All my credit cards and Chase auto loan and Springfield personal loan. Will close credit card accounts as well. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | To pay off credit cards and close the accounts. Will pay off highest interest cards first. |
If you have a delinquency in the last 2 years, please explain the reason. | None. |
Member Payment Dependent Notes Series 835925
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835925 |
$5,000 |
$5,000 |
8.49% |
1.00% |
August 12, 2011 |
August 14, 2014 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835925. Member loan 835925 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,333 / month |
Current employer: | Orkin Pest Control | Debt-to-income ratio: | 11.95% |
Length of employment: | 1 year | Location: | Riverside , CA |
Home town: | |||
Current & past employers: | Orkin Pest Control | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > Hello, I would like to take a moment to take about the reason that I am requesting my loan. I am looking to purchase a golf cart as listed but that would only be a small portion of the loan. Really we have home repairs that have been ignored because of financal reasons. I plan to fix up our home with the majority of our loan. And as you can see I have not been late on any account that I have with the except of our home note. This was late by two months so the morgage company would work with us on a re-fi loan. I really appreciate you taking the time to reas this!
A credit bureau reported the following information about this borrower member on July 31, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | 13 |
Revolving Credit Balance: | $2,834.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 835973
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835973 |
$4,000 |
$4,000 |
6.99% |
1.00% |
August 10, 2011 |
August 14, 2014 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835973. Member loan 835973 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,167 / month |
Current employer: | Summit Handling Systems | Debt-to-income ratio: | 21.28% |
Length of employment: | 10+ years | Location: | Meriden, CT |
Home town: | |||
Current & past employers: | Summit Handling Systems | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > This is to install a 18' above ground pool. ASAP Borrower added on 08/02/11 > This is for an 18' Pool installed
A credit bureau reported the following information about this borrower member on July 31, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1981 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $27,327.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 35.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Install a pool |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage 1384.00 Car Loan 286.00 Auto Ins 175.00. My wife also works and contributes to the monthly bills |
Please explain the reason why you carry a large revolving credit balance. | Credit cards were used for various things. |
Member Payment Dependent Notes Series 835992
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
835992 |
$35,000 |
$35,000 |
19.69% |
1.00% |
August 15, 2011 |
August 14, 2016 |
August 14, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 835992. Member loan 835992 was requested on July 31, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,167 / month |
Current employer: | HCL America | Debt-to-income ratio: | 9.64% |
Length of employment: | 1 year | Location: | Englewood, NJ |
Home town: | |||
Current & past employers: | HCL America | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/31/11 > I would appreciate the issue of this loan as soon as possible. Please do not hesitate to contact me if additional information is required. Thank you! null Borrower added on 08/02/11 > Loan Type Outstanding Balance Mthly Payment Interest Rate GMAC Mortgage $267,009.00 $1,679.00 6% Affinity Visa Card $4,330.00 $90.00 9% Morristown Visa Card $9,730.00 $200.00 9% Affinity Personal Loan $4,526.00 $203.00 12% Affinity Education Loan $16,551.00 $187.00 8% Affinity Home LOC $24,520.00 $450.00 4%
A credit bureau reported the following information about this borrower member on July 31, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $31,378.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 93.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | Credit cards, educational loan, personal loan |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Loan Type Outstanding Balance Mthly Payment Interest Rate GMAC Mortgage $267,009.00 $1,679.00 6% Affinity Visa Card $4,330.00 $90.00 9% Morristown Visa Card $9,730.00 $200.00 9% Affinity Personal Loan $4,526.00 $203.00 12% Affinity Education Loan $16,551.00 $187.00 8% Affinity Home LOC $24,520.00 $450.00 4% |
Please explain the reason why you carry a large revolving credit balance. | I have been inundated with educational expenses as I have been trying to pay out-of-pocket for my second child's college education. I was trying to avoid the student loan I had to take with my first daughter's college education. This approach has however caused me to be unable to pay down/off my credit balances, thus the reason for this loan request to consolidate and focus on paying off one loan. I hope this answer is satisfactory, if not please let me know. |
Member Payment Dependent Notes Series 836003
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836003 |
$27,175 |
$27,175 |
8.49% |
1.00% |
August 17, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836003. Member loan 836003 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $3,987 / month |
Current employer: | Cardic Machine Products | Debt-to-income ratio: | 21.39% |
Length of employment: | 10+ years | Location: | HUNTINGTON BEACH, CA |
Home town: | |||
Current & past employers: | Cardic Machine Products | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 31, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1976 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $27,485.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 45.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 836427
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836427 |
$12,000 |
$12,000 |
17.49% |
1.00% |
August 17, 2011 |
August 19, 2016 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836427. Member loan 836427 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,200 / month |
Current employer: | USAF | Debt-to-income ratio: | 20.79% |
Length of employment: | 2 years | Location: | Clinton, MD |
Home town: | |||
Current & past employers: | USAF | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > Moving to new assignment in Maryland from Korea and need to furnish a new condo that was purchased. Previously lived in furnished apartments. null
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,340.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 90.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 836548
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836548 |
$25,000 |
$25,000 |
15.99% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836548. Member loan 836548 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,250 / month |
Current employer: | County Of Ocean | Debt-to-income ratio: | 28.72% |
Length of employment: | 3 years | Location: | jackson, NJ |
Home town: | |||
Current & past employers: | County Of Ocean | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > Although I have high debt I have never been late on a payment. This loan was funded 3 weeks ago but I was away on a prescheduled vacation and was not able to get the required documents in on time so the loan was canceled, so here I am relisting in hopes to get it funded once again. The overtime has been cut back due to newly hired employees, so the money has been tight. I'm looking to 'bank' some of the money as a security blanket so I don't end up late on a payment. While at the same time paying down some of the debt with this loan. Debt is due to a failed business, and 2 car payments, I have one of the cars listed for sale.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $49,834.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 88.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | No student loans No Mortgage 2 auto loans 2 credit cards Between the 2 loans and 2 CC roughly 50k |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 2 Credit card balances from personal and business is 1100 month between the 2 No Student loans No Mortgage renting at 600 a month 2 car payments totalling 800 a month on will be paid off in december knocking this down to 400 a month. Food, Cell phone, Gas, Electric 400 a month Make 4700 a month without overtime |
Which debts do you plan to pay off with this loan? | Plan to pay off a failed business related credit card, as well as a 2nd car which is currently up for sale. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | No student loans No Mortgage 2 auto loans 2 credit cards Between the 2 loans and 2 CC roughly 50k |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | No rent as I just moved back in with my parents so that I would have the money that was going towards the rent to go towards credit card bills. Phone is $100 a month Food I eat at work which is paid for two meals so about $150 a month on food. $800 for car payments. 1 car will be paid off in October cutting the payment to $350 a month. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I had to move back in with my parents cause the debt was getting to be to much. So I pay for nothing but internet access at the moment. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Looking to secure this loan so that I do not become late on any payments thus hurting my credit in the future. So I plan to put $5000 in the bank as the overtime was cut due to hiring to many new employees because they are opening a new section of the building so we are currently overstaffed until it opens in oct/nov. The rest I plan to put towards paying off the credit card with the highest interest. |
Which debts do you plan to pay off with this loan? | Plan to pay off a failed business related credit card, as well as a 2nd car which is currently up for sale. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | No student loans No Mortgage 2 auto loans 2 credit cards Between the 2 loans and 2 CC roughly 50k |
Which debts do you plan to pay off with this loan? | Plan to pay off a failed business related credit card, as well as a 2nd car which is currently up for sale. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | No student loans No Mortgage 2 auto loans 2 credit cards Between the 2 loans and 2 CC roughly 50k |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | No student loans No Mortgage 2 auto loans 2 credit cards Between the 2 loans and 2 CC roughly 50k |
Member Payment Dependent Notes Series 836555
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836555 |
$8,400 |
$8,400 |
11.49% |
1.00% |
August 10, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836555. Member loan 836555 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,997 / month |
Current employer: | Mr B's Flowers | Debt-to-income ratio: | 19.42% |
Length of employment: | 10+ years | Location: | west hills, CA |
Home town: | |||
Current & past employers: | Mr B's Flowers | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | 35 |
Revolving Credit Balance: | $3,913.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | My credit cards interest is to high so every payment dose nothing to the balance . So I want to lower my interest rate and get it pay off. |
What is the total balance of your credit cards, interest rates and current monthly payments? | The total balance is $6500.00 my range of interest is 20% - 26% and my monthly payments are $500. I was young and foulish. I all ways thought I could just push it a little longer. Now I know better. |
Member Payment Dependent Notes Series 836577
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836577 |
$8,000 |
$8,000 |
15.99% |
1.00% |
August 11, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836577. Member loan 836577 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $7,250 / month |
Current employer: | J.D.Neuhaus L.P | Debt-to-income ratio: | 10.69% |
Length of employment: | 10+ years | Location: | Timonium, MD |
Home town: | |||
Current & past employers: | J.D.Neuhaus L.P | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > This loan is for a 2004 Mercedes Benz e-class I just bought. Unfortunately, the cars mileage of 117k miles disqualified it for a car loan from my bank. I came across lending club through the e-bay advertising on the auction page of my new car. I'm planning on paying this loan off as fast as I can. I paid $5500.00 down for the car.
A credit bureau reported the following information about this borrower member on July 29, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | 16 |
Revolving Credit Balance: | $14,999.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
How much money are you providing out of pocket as a down payment for this purchase? | 5500.00 |
What type of vehicle are you buying (make, model, year, mileage and condition)? | Mercedes Benz 2004 E-class wagon 117k mls , Inspected by inspectmyride.com and rated at 85 , vehicle is in excellent condition. |
If you have a delinquency in the last 2 years, please explain the reason. | I havd no delinquencies in the last 2 years |
If you have a delinquency in the last 2 years, please explain the reason. | I havd no delinquencies in the last 2 years |
Member Payment Dependent Notes Series 836587
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836587 |
$12,000 |
$12,000 |
13.99% |
1.00% |
August 12, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836587. Member loan 836587 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,000 / month |
Current employer: | Wells Real Estate Funds | Debt-to-income ratio: | 10.25% |
Length of employment: | 8 years | Location: | Lawrenceville, GA |
Home town: | |||
Current & past employers: | Wells Real Estate Funds | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > Debt consolidation Borrower added on 08/05/11 > I am using the funds for debt consolidation. I have a good credit score but want to make it better and relieve my credit card bills to become debt free!! Borrower added on 08/08/11 > I want to add that I have been at my job for 9 years and it is very stable. I pay all my bills on time and am very determined to keep a high credit score. I take all of my obligations seriously. Thank you for your consideration.
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 21 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 52 | Months Since Last Delinquency: | 11 |
Revolving Credit Balance: | $21,143.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 27.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My credit cards total $15,000. I have $3,000 saved and will use that along with this loan to pay them off. The interest rates vary from 10% to 15% for purchases. I have no other debt other than the credit cards. Please let me know if you have any further questions. Thank you! |
If you have a delinquency in the last 2 years, please explain the reason. | I have never had a late payment. The only one that showed up was with Bank of America. I paid my account off and forgot about it. Apparently a magazine subscription that bills once a year showed up on it. I did not receive a statement in the mail or via e-mail. I fought with Bank of America to get this off but all they did is waive the late fee. This hurt me and it really wasn't my fault. I pride myself in never being late and this is a black mark against me. |
Member Payment Dependent Notes Series 836637
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836637 |
$7,125 |
$7,125 |
6.99% |
1.00% |
August 16, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836637. Member loan 836637 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $1,800 / month |
Current employer: | n/a | Debt-to-income ratio: | 1.78% |
Length of employment: | n/a | Location: | hollywood, FL |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > repair car fix an repair home null
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1981 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,982.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 44.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | no rent or mortgage-utilities-170 water-354-electric-phone-50-142 insurance-food-425 taxes 3500 p/year-no loans |
Member Payment Dependent Notes Series 836641
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836641 |
$7,000 |
$7,000 |
12.99% |
1.00% |
August 17, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836641. Member loan 836641 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,583 / month |
Current employer: | Conroe Independent School District | Debt-to-income ratio: | 22.06% |
Length of employment: | 1 year | Location: | Humble, TX |
Home town: | |||
Current & past employers: | Conroe Independent School District | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I am using this money to start a business selling used refurbished car engines. I have a mentor who is in this industry and does very well. Much of our marketing will be through the internet.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | 18 |
Revolving Credit Balance: | $15,886.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 90.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | My mentor in this business is showing me everything to get started, how to get my ads to appear first with engine searches on the internet, phone training, and how to search on our database and quote customers, billing, etc... His knowledge and his help in setting up the business is about half of my requested amount. The other half is for other setup costs, such as advertising, setting up a merchant account, setting up phone lines, creating my website, and office supplies. |
Member Payment Dependent Notes Series 836646
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836646 |
$35,000 |
$35,000 |
17.99% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836646. Member loan 836646 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $15,000 / month |
Current employer: | JPMorgan | Debt-to-income ratio: | 9.39% |
Length of employment: | 10+ years | Location: | Weston, CT |
Home town: | |||
Current & past employers: | JPMorgan | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 12 |
Revolving Credit Balance: | $0.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 6 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 7500 in credit cards, 24% interest, monthly minimum payment is 200. Mortgage payment including taxes and insurance is 3507. Car loan is 25000, 3.6% interest, monthly pmt is 387, 71 months left. No lines of credit. |
If you have a delinquency in the last 2 years, please explain the reason. | I had three mortgage lates during 2009 - 2010. I had medical expenses for my son that were not covered by insurance and thus I was under financial hardship. |
Member Payment Dependent Notes Series 836663
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836663 |
$30,000 |
$30,000 |
19.69% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836663. Member loan 836663 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $12,917 / month |
Current employer: | disney worldwide services | Debt-to-income ratio: | 12.05% |
Length of employment: | 5 years | Location: | Alta Loma, CA |
Home town: | |||
Current & past employers: | disney worldwide services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > Debt consolidation null
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1981 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 52 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $107,504.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 94.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | All unsecured debt. I want to make one payment. I will pay everything off faster this way. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | All of my debt equals 28,000. This includes my car and a student loan. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | All of my debt equals 28,000. This includes my car and a student loan. |
Please explain the reason why you carry a large revolving credit balance. | Good question. I had a death in the family . I was the one who offered to pay for the services |
Please explain the reason why you carry a large revolving credit balance. | Good question. I had a death in the family . I was the one who offered to pay for the services |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | All of my debt equals 28,000. This includes my car and a student loan. |
Which debts do you plan to pay off with this loan? | All unsecured debt. I want to make one payment. I will pay everything off faster this way. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | All of my debt equals 28,000. This includes my car and a student loan. |
Please explain the reason why you carry a large revolving credit balance. | Good question. I had a death in the family . I was the one who offered to pay for the services |
What is your intended use for the loan proceeds? | Pay off unsecured debt |
Please explain the reason why you carry a large revolving credit balance. | Good question. I had a death in the family . I was the one who offered to pay for the services |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | All of my debt equals 28,000. This includes my car and a student loan. |
Which debts do you plan to pay off with this loan? | All unsecured debt. I want to make one payment. I will pay everything off faster this way. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | All of my debt equals 28,000. This includes my car and a student loan. |
Which debts do you plan to pay off with this loan? | All unsecured debt. I want to make one payment. I will pay everything off faster this way. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | All of my debt equals 28,000. This includes my car and a student loan. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | All of my debt equals 28,000. This includes my car and a student loan. |
If you have a public record on file, please briefly explain the event and its resolution. | I don't have a public record. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | It's $2,800 a month. Paying the loan back isn't going to be a problem. |
Member Payment Dependent Notes Series 836670
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836670 |
$7,200 |
$7,200 |
7.49% |
1.00% |
August 15, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836670. Member loan 836670 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $5,167 / month |
Current employer: | Internal Revenue Service | Debt-to-income ratio: | 16.65% |
Length of employment: | 3 years | Location: | Barrington, NH |
Home town: | |||
Current & past employers: | Internal Revenue Service | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I have paid my credit cards faithfully. I am looking to pay down my high interest debt. I have excellent credit. I also have a secure government job; my employment outlook is strong.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 41 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,149.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To pay off credit card Debt. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Housing 1700 (includes taxes) Insurance 90 No equity line Utilities 600 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage/taxes/insurnace 1700 Car payments two cars 580 Utilities 600 phone included in utilities food 150 per week |
If you have a delinquency in the last 2 years, please explain the reason. | Error with bank most likely. This is why I want to write one check for my debt. Generally I have never had issues with creditors. |
Which debts do you plan to pay off with this loan? | Ones with high interest |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | you've got enough information now. Lend or don't. |
Member Payment Dependent Notes Series 836680
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836680 |
$4,000 |
$4,000 |
5.99% |
1.00% |
August 10, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836680. Member loan 836680 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,000 / month |
Current employer: | SmugMug, Inc | Debt-to-income ratio: | 18.88% |
Length of employment: | 3 years | Location: | Huntingtown, MD |
Home town: | |||
Current & past employers: | SmugMug, Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > This loan will cover material purchases for repairs to fencing and the barn as well as 2 months training of a sales horse with an international trainer and competitor. null
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $143.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | This loan will cover material purchases for repairs to fencing and the barn as well as 2 months training of a sales horse with an international trainer and competitor. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | No mortgage, rent or utilities. I have free room and board in exchange for taking care of the home owners' equines. |
Member Payment Dependent Notes Series 836704
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836704 |
$25,000 |
$25,000 |
15.99% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836704. Member loan 836704 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $10,417 / month |
Current employer: | Holy Cross Hospital | Debt-to-income ratio: | 15.18% |
Length of employment: | 10+ years | Location: | Washington, DC |
Home town: | |||
Current & past employers: | Holy Cross Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
I am currently a Registered Nurse, but my dream has always been to go to medical school. Prior to attending the University of Maryland, I would like to consolidate my credit card debt. I have been working as a RN in the Surgical ICU of a well known Maryland hospital for the past 13 years. Additionally, I work part-time as an emergency room RN for a neighborhood hospital in Washington, DC. I have held this part-time position for the past 12 years. I believe my income and my 750+ FICO score, make me an ideal candidate for this loan. I have four revolving credit card accounts which will be paid off with this loan. The loan will afford me the opportunity to greatly reduce my monthly expenses. As a result I will be able to work fewer hours and focus effectively on completing medical school. My income while in school ($54,000), will be more than enough to cover my monthly expenses and the repayment of this loan. Monthly Expenses: Rent (utilities included): $600 (NOTE: Rent will be $0 once I begin school. I will be living with family to be closer to the campus) Car payment: $600 Insurance: $120 Phone and food:$300 Thank you for your time and interest in funding my loan. I greatly appreciate it.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 19 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $27,667.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 40.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Thank for your interest in funding my loan. My rent is $600/mo, all utilities are included. |
Please explain the reason why you carry a large revolving credit balance. | Thank you for your interest in funding my loan. My youngest sister recently fell on hard times and had to move in with me. I had to use my credit cards to help her get back on her feet. The loan would be used to clear my balance and close those accounts before I begin school. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Thank you for your interest in funding my loan. Credit cards - I pay more than the minimum due, the amounts are listed below. I'm honestly not sure about the interest rates. Bank of America Visa: $8,000 balance and $200/mo Bank of America Express: $3,000 balance and $200/mo Bank of America $10,000 balance and $400/mo American Express $2,000 and $300/mo Auto Loan - 2.9% APR Nissan: $29,500 approx. balance $600/mo |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Thank you for your interest in funding my loan. Here are my monthly expenses. Rent will be eliminated when I begin school, because I will be staying with family near the campus. The money saved will allow me to pay off the loan more quickly. rent (utilities included): $600 car payment: $600 insurance: $120 phone and food:$300 |
Please explain the reason why you carry a large revolving credit balance. | Thank you for your interest in funding my loan. My youngest sister recently fell on hard times and had to move in with me. I had to use my credit cards to help her get back on her feet. The loan would be used to clear my balance and close those accounts before I begin school. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Thank you for your interest in funding my loan. Credit cards - I pay more than the minimum due, the amounts are listed below. I'm honestly not sure about the interest rates. Bank of America Visa: $8,000 balance and $200/mo Bank of America Express: $3,000 balance and $200/mo Bank of America $10,000 balance and $400/mo American Express $2,000 and $300/mo Auto Loan - 2.9% APR Nissan: $29,500 approx. balance $600/mo |
Which debts do you plan to pay off with this loan? | Thank you for your interest in funding my loans. These are the accounts which will be paid and closed. Bank of America Visa: $8,000 balance Bank of America Express: $3,000 Bank of America $10,000 American Express $2,000 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Thank you for your interest in funding my loan. Credit cards - I pay more than the minimum due, the amounts are listed below. I'm honestly not sure about the interest rates. Bank of America Visa: $8,000 balance and $200/mo Bank of America Express: $3,000 balance and $200/mo Bank of America $10,000 balance and $400/mo American Express $2,000 and $300/mo Auto Loan - 2.9% APR Nissan: $29,500 approx. balance $600/mo |
Which debts do you plan to pay off with this loan? | Thank you for your interest in funding my loans. These are the accounts which will be paid and closed. Bank of America Visa: $8,000 balance Bank of America Express: $3,000 Bank of America $10,000 American Express $2,000 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Thank you for your interest in funding my loan. Credit cards - I pay more than the minimum due, the amounts are listed below. I'm honestly not sure about the interest rates. Bank of America Visa: $8,000 balance and $200/mo Bank of America Express: $3,000 balance and $200/mo Bank of America $10,000 balance and $400/mo American Express $2,000 and $300/mo Auto Loan - 2.9% APR Nissan: $29,500 approx. balance $600/mo |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Thank you for your interest in funding my loan. Credit cards - I pay more than the minimum due, the amounts are listed below. I'm honestly not sure about the interest rates. Bank of America Visa: $8,000 balance and $200/mo Bank of America Express: $3,000 balance and $200/mo Bank of America $10,000 balance and $400/mo American Express $2,000 and $300/mo Auto Loan - 2.9% APR Nissan: $29,500 approx. balance $600/mo |
What is your intended use for the loan proceeds? | I have four revolving credit card accounts which will be paid off with this loan. The loan will afford me the opportunity to greatly reduce my monthly expenses. As a result I will be able to work fewer hours and focus effectively on completing medical school. |
Member Payment Dependent Notes Series 836737
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836737 |
$28,000 |
$28,000 |
13.99% |
1.00% |
August 17, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836737. Member loan 836737 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $16,667 / month |
Current employer: | Media Collections Inc, Joseph, Mann & Cr | Debt-to-income ratio: | 9.70% |
Length of employment: | 8 years | Location: | Beachwood, OH |
Home town: | |||
Current & past employers: | Media Collections Inc, Joseph, Mann & Cr | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > This loan is going to be used to update my kitchen and two bathrooms in my home. I am a very responsible borrower and have never missed a payment in my life. Borrower added on 08/03/11 > Hello, my I just bought a gorgeous new home. It's our first house and we are so excited. We need to replace the roof, and redo the kitchen. I am a responsible borrower for many reasons. 1. I have NEVER paid any bill in my life late. I always pay on time and in most cases early. 2. I have had past loans with Lending Club and have always paid on time. Some of the cards I have availible credit on have too high of an APR and Lending Club makes the most sense. Invest in me and you are guaranteed to make money! I've worked at the same job for over 8 years. Borrower added on 08/03/11 > For a new Roof and upgrading bathrooms. Great credit, never been late! Borrower added on 08/14/11 > I know I only have a few more days so please invest in me. This is a win-win for us both!! null
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $0.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Hello, see below. Monthly net income: $8500 Monthly expenses: $5000 Housing: $2700 (Mortgage) 350k @ 30 yrs 4.5% Interest Rate Insurance: $250 Car expenses: $800 Utilities: $200 Phone, cable, internet: $150 Food, entertainment: $400 Credit cards and other loans: $390 I have no home equity loan, and have one other Lending Club loan which I have never missed a payment on. |
What is your intended use for the loan proceeds? | My intented use is to fix the roof, and update two bathroom in my new house |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortage Payment - $2,700 Utilities - $200 Phone/Cable/Internet - $150 Insurance - $250 Food - $500 Car Payment two cars- $800 Credit cards and other loans: $390 Anything else you need let me know. |
If you have a delinquency in the last 2 years, please explain the reason. | I have never been deliquent nor have missed a payment in my entire life! |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My monthly mortgage payment is $2500, which includes the mortgage, home owners insurance, and all property taxes. I have no home equity loan, or lines of credit. Any other questions let me know. |
Is this for a home improvement you have already made, or one that you are planning to make? | I just purchased this home last month. I am planning on making these during the month of September and October! |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | Loan is 353k at 4.5% interest. The total monthly payment is $2500 which includes property tax, home owners insurance, and the mortgage itself! |
What is the estimated current market value of your home? | My home was just appraised at $393,000 |
Member Payment Dependent Notes Series 836799
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836799 |
$7,200 |
$7,200 |
13.49% |
1.00% |
August 11, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836799. Member loan 836799 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,600 / month |
Current employer: | CITY OF CALABASAS | Debt-to-income ratio: | 13.44% |
Length of employment: | 10+ years | Location: | SIMI VALLEY, CA |
Home town: | |||
Current & past employers: | CITY OF CALABASAS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > Thank you sooooo much for your help...this will make life a litte bit easier! looking forward to working with you! raine null Borrower added on 08/02/11 > thank you so much, i really appreciate the help! raine Borrower added on 08/02/11 > Thank you for the help! i really really appreciate it! raine Borrower added on 08/04/11 > Thank you all for your help! Every little bit helps, i will finally be able to sleep at night! Borrower added on 08/04/11 > Thank you all for help! i am hoping, in the future that i will be in your position, where i can help people out financially. Borrower added on 08/04/11 > More than half way there! Thank you! looking forward to working with you all! Borrower added on 08/08/11 > Good morning everyone, thank you for all your help...with this money i will be able to consolidate my bills and try to get ahead a little..i work for a City agency as a full time staff member and will be able to make the proper payments over the next couple of years...i am planing and hoping to pay it off before the actual due date. thanks again, and have a great week!
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | 46 |
Revolving Credit Balance: | $22,598.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 86.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Unfortunately with this economy, it seems like you can barely keep your head abover water with bills and rent and etc..with the loan i will be able to consolidate my bills, saving money on those interest rates.. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | its actually not that much, it will pay off the bills and give us a little breathing room..part of the loan will also be set aside to start paying itself off.. |
Member Payment Dependent Notes Series 836804
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836804 |
$10,000 |
$10,000 |
6.99% |
1.00% |
August 15, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836804. Member loan 836804 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,583 / month |
Current employer: | Markit | Debt-to-income ratio: | 3.73% |
Length of employment: | 6 years | Location: | Dallas, TX |
Home town: | |||
Current & past employers: | Markit | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > Plan to use the funds to consolidate my credit card debt so I won't have to carry over a monthly balance and pay high interest charges. I am a good borrower as I have a good credit score and I have never ever been late on any loan payments including mortgage payments, auto loan payments, credit card payments and personal loan payments. I work for a stable financial computer software company and have been with the same company for over six years. null
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1980 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,021.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 1.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | credit card balances |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | mortgage - $74,219 balance, 6.375%, $800 monthly payment credit card - $8,913 balance, 15.240%, $500 monthly payment |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | utilities - $150 phone - $200 insurance - $250 gas - $500 food - $500 |
What is your intended use for the loan proceeds? | pay off high interest credit card |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | mortgage = $800 utilities = $300 insurance = $230 gas = $400 food = $400 |
If you have a delinquency in the last 2 years, please explain the reason. | no delinquency in the last 2 years |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | just using loan to pay off high interest credit card |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | mortgage = $800 taxes = $415 insurance = $130 |
If you have a public record on file, please briefly explain the event and its resolution. | no public recored on file |
Please explain the reason why you carry a large revolving credit balance. | Mostly due to putting property taxes and cruise vacation on credit card to get the airline miles. Now putting $500/month in savings account for this years property taxes. |
Member Payment Dependent Notes Series 836828
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836828 |
$7,500 |
$7,500 |
5.99% |
1.00% |
August 15, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836828. Member loan 836828 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $4,167 / month |
Current employer: | UFCW Local 27 | Debt-to-income ratio: | 21.02% |
Length of employment: | 10+ years | Location: | Wilmington, DE |
Home town: | |||
Current & past employers: | UFCW Local 27 | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > leased vehicle buy out Borrower added on 08/01/11 > I pay my bills on time. Recent Experian credit score was 835. My employment appears to be very stable.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,044.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 9.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Buy out leased vehicle which is an 2009 Chevrolet Impala LT. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | (+ Additional income: wife's salary $62,000 year) Home equity loan: $749. month utilities: $400 month phone: $100. month homeowner's insurance: $430. year car insurance: $730.00 year |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Monthly Expenses are: Home equity loan: $749. Utilities & phone: $350. Insurance: homeowner's $590. year Taxes: $1,600 year |
Member Payment Dependent Notes Series 836850
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836850 |
$10,000 |
$10,000 |
10.59% |
1.00% |
August 12, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836850. Member loan 836850 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,880 / month |
Current employer: | Affiliated Eye Surgeons | Debt-to-income ratio: | 12.99% |
Length of employment: | 1 year | Location: | Avondale, AZ |
Home town: | |||
Current & past employers: | Affiliated Eye Surgeons | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > I am asking for this loan to pay off my three credit cards so I can have one fixed monthly loan payment instead of three separate credit card bill payments. I am currently paying at least $500 every month towards my credit card bills so I would easily have the ability to make the loan payment every month. I recently purchased my first house and had to use my credit cards to furnish it, which is why I have a combined credit card balance of over $8,900. This will be my second loan from Lending Club. My first loan was also a 36 month loan that was fully paid off as of March of this year. Every $533.77 payment was made on time, never late.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,379.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My mortgage is $758.06 and my current combined credit card balance is $8911.56 which I pay at least $500.00, more if I can, each month. |
What is your intended use for the loan proceeds? | Paying off my credit cards. I have three and even though I pay at least $500 towards them every month, it seems like I'm barely making a dent in the balances. |
Member Payment Dependent Notes Series 836877
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836877 |
$18,550 |
$18,550 |
17.99% |
1.00% |
August 16, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836877. Member loan 836877 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,658 / month |
Current employer: | Hemlock Public Schools | Debt-to-income ratio: | 24.15% |
Length of employment: | 10+ years | Location: | Hemlock, MI |
Home town: | |||
Current & past employers: | Hemlock Public Schools | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I plan to use the funds received to pay off credit card debt to be debt free in a few years. I pay all my bills on time and have banked with the same company for over 20 years. My monthly budget is approximately $1400.00. I have been at my current job for 12 years and continue my education to further my career. I have helped put three children through college as well as myself. null Borrower added on 08/03/11 > My daughter is also getting married and I would love to be able to buy her wedding gown for her. Borrower added on 08/07/11 > I am a 2 time cancer survivor and have a few medicals bills to pay off as well. Borrower added on 08/07/11 > I'm approaching 5 years cancer free and would like to now focus on becoming debt free!!!!!!!!
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,764.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 92.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Approximately $1400.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit card debt approximately 13,000 with interest rates from 6.60 to 25.0. Total payments approximately 600.00. Mortgage 83,000.00 with payment of 712.00 taxes included. Student loan in derferment for a year due to continueing education. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit card debt approximately 13,000 with interest rates from 6.60 to 25.0. Total payments approximately 600.00. Mortgage 83,000.00 with payment of 712.00 taxes included. Student loan in derferment for a year due to continueing education. |
What is your intended use for the loan proceeds? | I would like to pay off all my credit card debt and plan to be debt free in a few years. I also have a daughter getting married and would like to help her with a little of the cost. |
Member Payment Dependent Notes Series 836909
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836909 |
$5,625 |
$5,625 |
6.99% |
1.00% |
August 16, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836909. Member loan 836909 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,333 / month |
Current employer: | kcs railway | Debt-to-income ratio: | 10.64% |
Length of employment: | 10+ years | Location: | richmond, TX |
Home town: | |||
Current & past employers: | kcs railway | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/11/11 > DUE TO HIGH GAS PRICES I AM FORCED TO RELOCATE. I DRIVE 150 MILES TO AND FROM WORK. WITH THIS MOVE I WILL BE ABLE TO WORK IN LESS STRESS ENVIROMENT.. THANK ALL OF YOU WHO ARE INVESTING IN MY LOAN.
A credit bureau reported the following information about this borrower member on July 7, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 42 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,650.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 20.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | COMPLETION OF MY MOVING EXPENSE. DEPOSITS, TRANSFER FEES, LIVING ARRANGEMENTS. |
What is your intended use for the loan proceeds? | COMPLETION OF MY MOVING EXPENSE. DEPOSITS, TRANSFER FEES, LIVING ARRANGEMENTS. |
What is your intended use for the loan proceeds? | COMPLETION OF MY MOVING EXPENSE. DEPOSITS, TRANSFER FEES, LIVING ARRANGEMENTS. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | mortgage,$1133.00, credit cards 2 @ $50.00 each.. taxes and insurance are included in my mortgage, utilities $500. mthly. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mort.$1133.00,utilities $500. mthly,insurans. &taxes r included in mort.credit cards 2 @5$50.00 mth..food $250.00 mthly. |
If you have a delinquency in the last 2 years, please explain the reason. | NO I AM NOT AWARE OF ANY DELINQUENCY. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I WILL BE USING THE MONIES FOR DEPOSITS,MOVERS,& LIVING ARRANGEMENTS. |
Member Payment Dependent Notes Series 836948
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
836948 |
$35,000 |
$35,000 |
17.49% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 836948. Member loan 836948 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,000 / month |
Current employer: | n/a | Debt-to-income ratio: | 6.20% |
Length of employment: | 10+ years | Location: | greenbrook, NJ |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > Business loan null
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 21 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | 13 |
Revolving Credit Balance: | $24,376.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 31.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To add on to an existing business. |
If you have a delinquency in the last 2 years, please explain the reason. | Should only have one....credit card payment was lost in the mail and I was never notified. |
Member Payment Dependent Notes Series 837000
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837000 |
$12,000 |
$12,000 |
13.99% |
1.00% |
August 12, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837000. Member loan 837000 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,167 / month |
Current employer: | Enteractive Solutions Group, Inc | Debt-to-income ratio: | 10.34% |
Length of employment: | 10+ years | Location: | North Hollywood, CA |
Home town: | |||
Current & past employers: | Enteractive Solutions Group, Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 48 |
Revolving Credit Balance: | $16,069.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is the total balance of your credit cards, interest rates and current monthly payments? | Total Balance: $14,475 ($4706 + $9769). One card has an interest rate of 29.99% and the other one has an interest rate of $13.99%. My current monthly payments average a combined $500; this is more than the minimum payment required. In April and May I payed $700, in June I paid $600. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses for the rest of this year are: August; $2,065.29; September: $2,104.91; October:$2,025.91; November: $2,157.91; December: $1,930.91. The fluctuations are due mainly to my car insurance which I pay every other month. |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquency in the last 2 years. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses for the rest of this year are: August; $2,065.29; September: $2,104.91; October:$2,025.91; November: $2,157.91; December: $1,930.91. The fluctuations are due mainly to my car insurance which I pay every other month. |
Member Payment Dependent Notes Series 837014
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837014 |
$30,000 |
$30,000 |
11.99% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837014. Member loan 837014 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,250 / month |
Current employer: | Spray Gould & Bowers, LLP | Debt-to-income ratio: | 27.63% |
Length of employment: | 10+ years | Location: | Garden Grove, CA |
Home town: | |||
Current & past employers: | Spray Gould & Bowers, LLP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1975 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $26,086.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 52.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Pay off credit cards |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Visa $10,000 Visa $20,000 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $1111.00 Utilities $600.00 Insurance $100.00 Food $800.00 Auto $ 650.00 |
What is your intended use for the loan proceeds? | Pay off credit cards |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I don't know the minimum payments...I have been paying at least $500 per month on each of the two Visa cards |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Visa $10,000 Visa $20,000 |
What is the total balance of your credit cards, interest rates and current monthly payments? | Balances are the $30,000. Interest rates are 20- 29 % |
Please explain the reason why you carry a large revolving credit balance. | I had unexpected expenses for my grandchildren, who were removed from their mother's home and sent to me. I incurred airfare, doctor bills, clothing and school expenses. We have caught up with their needs now...so there shouldn't be anything that doesn't fit in my budget. |
Member Payment Dependent Notes Series 837048
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837048 |
$30,000 |
$30,000 |
20.25% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837048. Member loan 837048 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $12,500 / month |
Current employer: | Mea Alofa Autism Support Center | Debt-to-income ratio: | 10.46% |
Length of employment: | 5 years | Location: | Chesapeake, VA |
Home town: | |||
Current & past employers: | Mea Alofa Autism Support Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > I had to care for an I'll family member that passed away recently. His medical care and equipment over the last 6 months put me in debt. Looking to consolidate it and make one payment to get rid of it. I have never missed a payment on anything, I have an excellent job as well as self employment work that is growing exponentially. I am very reliable.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1985 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | 66 |
Revolving Credit Balance: | $43,491.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 90.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I had an ill family member living with me that required a high level of care and cost. She has since passed away so would like to get a loan to allow me to close down my credit cards and make one payment. Before this time period, I carried no balances on any credit cards for years. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have paid off my student loans and car. I have never been late on a payment or missed a payment on anything. I have a mortgage with a payment of 2350/month. I have credit card debt that hovers around 40000 with total payments adding up to about 900$ a month. My aprs range from 0 to 21% |
Member Payment Dependent Notes Series 837055
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837055 |
$7,100 |
$7,100 |
7.49% |
1.00% |
August 15, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837055. Member loan 837055 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $2,167 / month |
Current employer: | Operation PAR | Debt-to-income ratio: | 27.18% |
Length of employment: | 2 years | Location: | St. Petersburg, FL |
Home town: | |||
Current & past employers: | Operation PAR | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I would love to pay off some credit card debt that accumulated due to a death in the family and car troubles. I am very willing to make monthly payments, just not as high as the credit card companies want! This loan would be my salvation!
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,898.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 25.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 837069
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837069 |
$25,475 |
$25,475 |
19.29% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837069. Member loan 837069 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,617 / month |
Current employer: | El Paso County Sheriffs Office | Debt-to-income ratio: | 23.44% |
Length of employment: | 10+ years | Location: | Horizon City, TX |
Home town: | |||
Current & past employers: | El Paso County Sheriffs Office | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $21,660.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | House payment is $840 monthly, taxes included, utilities and insurances are payed by spouse about $ 350.00 for all utilities and insurance. |
Please explain the reason why you carry a large revolving credit balance. | some of the balances were for vacations taken, some furniture that was purchase for home and miscellaneous items, once cards are paid they will stay at a zero balance. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit card # 1 $ 7,900.00 11.99%,payment $201.00, credit card 2 $8,300.00 8.9% payment $175.00. loan $ 8,100 12.99% payment $451.00, mortages $850.00 |
What is your intended use for the loan proceeds? | To pay off 3 credit cards, i will pay them off faster and save more money on intrest plus if loan is approve the monthly payment will be less then paying them individually. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage $850, $120.00 utilities,$99.00 phone, $150 insurance, food etc. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I believed i answered this question, on 8/6/11 i think i left out lines of credit. All credit cards have a credit line of $10,000 |
Member Payment Dependent Notes Series 837071
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837071 |
$9,000 |
$9,000 |
9.99% |
1.00% |
August 12, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837071. Member loan 837071 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,083 / month |
Current employer: | National Amusements | Debt-to-income ratio: | 24.17% |
Length of employment: | 10+ years | Location: | Narragansett, RI |
Home town: | |||
Current & past employers: | National Amusements | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > debt pay down
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $47,224.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 82.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Combination of reasons including work related expenses, travel, and home improvement. I plan on using these funds to help streamline some of these balances. |
Please explain the reason why you carry a large revolving credit balance. | Variety of reasons including work related expenses, home improvements, and tutition expenses |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | $1725 includes mortgage, taxes, and insurance |
Please provide additional details regarding the purpose of the loan? | To streamline some debt at a lower rate |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Purpose to streamline some debt at a lower interest rate |
Please explain the reason why you carry a large revolving credit balance. | Variety of reasons including work related expenses, home improvements, and tutition expenses |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | $1405 payment + $325 taxes and insurance = $1725 monthly |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Purpose to streamline some debt at a lower interest rate |
Member Payment Dependent Notes Series 837088
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837088 |
$24,200 |
$24,200 |
8.49% |
1.00% |
August 15, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837088. Member loan 837088 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,583 / month |
Current employer: | ISRAELOFF, TRATTNER & CO., PC | Debt-to-income ratio: | 6.37% |
Length of employment: | 3 years | Location: | BROOKLYN, NY |
Home town: | |||
Current & past employers: | ISRAELOFF, TRATTNER & CO., PC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > thank you. Borrower added on 08/02/11 > Thanks.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | 41 |
Revolving Credit Balance: | $3,655.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 9.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 837113
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837113 |
$12,000 |
$12,000 |
6.99% |
1.00% |
August 16, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837113. Member loan 837113 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,500 / month |
Current employer: | Genesis Medical Center | Debt-to-income ratio: | 14.29% |
Length of employment: | 4 years | Location: | ROCK ISLAND, IL |
Home town: | |||
Current & past employers: | Genesis Medical Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > Had to put that I work in Illinois, but I work in Iowa there was no selection for Iowa. null
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $0.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Siding and Windows for our house |
What is your intended use for the loan proceeds? | Siding and Windows for our house |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | $655.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1000 a month |
If you have a delinquency in the last 2 years, please explain the reason. | I have not had any delinquencies. |
What is the estimated current market value of your home? | 75,000 |
Is this for a home improvement you have already made, or one that you are planning to make? | planning on making |
Is the improvement to your primary residence or an investment property? | Primary residence |
Member Payment Dependent Notes Series 837148
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837148 |
$25,500 |
$25,500 |
11.99% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837148. Member loan 837148 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,583 / month |
Current employer: | CMCI | Debt-to-income ratio: | 20.69% |
Length of employment: | 5 years | Location: | Alexandria, VA |
Home town: | |||
Current & past employers: | CMCI | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/12/11 > I also have a student loan of $43k. Payments are $168 month.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,918.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 35.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Debt consolidation of two higher interest accounts. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My rent is $900 with utilities averaging about $150 a month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I thought I already answered that question. |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquency. |
Which debts do you plan to pay off with this loan? | I have two high interest credit accounts. I want to pay them off with a lower interest loan so I can pay them off faster. |
Member Payment Dependent Notes Series 837149
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837149 |
$4,200 |
$4,200 |
7.49% |
1.00% |
August 12, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837149. Member loan 837149 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,202 / month |
Current employer: | State of Illinois | Debt-to-income ratio: | 16.40% |
Length of employment: | < 1 year | Location: | Chicago, IL |
Home town: | |||
Current & past employers: | State of Illinois | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,745.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To pay off the remaining small-balance credit cards that I have from being a student. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | About $1,200 |
Member Payment Dependent Notes Series 837180
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837180 |
$16,325 |
$16,325 |
11.99% |
1.00% |
August 16, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837180. Member loan 837180 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,000 / month |
Current employer: | IATSE Local 720 | Debt-to-income ratio: | 8.22% |
Length of employment: | 10+ years | Location: | Las Vegas, NV |
Home town: | |||
Current & past employers: | IATSE Local 720 | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > I own my own home and just finished a bathroom remodel with my own funds. I would now like to do a kitchen remodel and redo the home flooring.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,526.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 48.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Apoximately $4500 |
Member Payment Dependent Notes Series 837198
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837198 |
$19,200 |
$19,200 |
11.99% |
1.00% |
August 10, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837198. Member loan 837198 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,728 / month |
Current employer: | GROSSMONT UNION HIGH SCHOOL DISTRICT | Debt-to-income ratio: | 14.20% |
Length of employment: | 8 years | Location: | LAKESIDE, CA |
Home town: | |||
Current & past employers: | GROSSMONT UNION HIGH SCHOOL DISTRICT | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I will use this money to pay off high interest debts. I retired from the the U.S. Postal Service and now have another stable job with a school district. I pay my debts on time and at the 1st of the month while maintaining my monthly budget. My goal is to be out of debt in three years. I served in the military.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $17,971.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My monthly expenses related to housing are: rent is $601.00, mortgage is $448.50, I have no equity loan or line of credit, utilities average $200.34 over last seven months, insurance is $33.41 and taxes are $49.81 per month. |
Please explain the reason why you carry a large revolving credit balance. | I do not want to carry a large revolving credit balance and I intend to do something about it. I want to be debt free in 36 months. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My current debt balances, interest rates, and monthly payments are: CREDIT CARDS TYPE DEBT BALANCES INT. RATE PAYMENT GAS CARD $1265.14 26.99% $53.00 STORE CREDIT 2740.86 25.24 86.16 STORE CREDIT 2627.53 26.99 133.00 MASTERCARD 4775.97 22.90 140.00 STORE CREDIT 2536.10 22.90 75.00 STORE CREDIT 2546.40 21.90 71.00 MASTERCARD 4465.23 17.90 114.00 MASTERCARD 3722.43 17.90 96.00 MASTERCARD 1731.49 14.90 43.00 VISA 5021.46 11.50 151.00 DENTAL CREDIT 386.70 (0% PROMO BY 1/20/12) 25.00 STORE CREDIT 292.22 (0% PROMO BY 1/20/12) 35.00 STORE CREDIT 2300.00 (0% PROMO BY 12/28/12) 71.00 I have no student loans, but as stated above my monthly mortgage payment is $448.50 and I have no lines of credit. |
Member Payment Dependent Notes Series 837233
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837233 |
$15,000 |
$15,000 |
11.49% |
1.00% |
August 16, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837233. Member loan 837233 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,333 / month |
Current employer: | Piedmont Hospital | Debt-to-income ratio: | 10.82% |
Length of employment: | < 1 year | Location: | Lawrenceville, GA |
Home town: | |||
Current & past employers: | Piedmont Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > Job is really stable. I was a contractor for two years at the hospital before the position I applied for became available. When I get to my one year mark as a full time employee I will have been working for Piedmont for a total of three years. Piedmont had eliminated all the contractor positions as of July 29th, 2011
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,887.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 47.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is the total balance of your credit cards, interest rates and current monthly payments? | Current total balance of credit cards is 8,200.00. Interest rates at 17%, and 16%. Currently we pay 250 a month towards the cards. Escrow was underestimated so they adjusted it to catch up to what it is suppose to be. I was going to pay off the extra amount to free up 79.00. We have some items that we need to take care of around the house such as broken garage door, A/C unit maintenace, paint for outside of house and mulch. |
Member Payment Dependent Notes Series 837247
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837247 |
$20,000 |
$20,000 |
18.39% |
1.00% |
August 16, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837247. Member loan 837247 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $7,917 / month |
Current employer: | InvestWise Financial | Debt-to-income ratio: | 15.03% |
Length of employment: | 2 years | Location: | Clarkston, MI |
Home town: | |||
Current & past employers: | InvestWise Financial | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,471.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 42.60% | Months Since Last Record: | 115 |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Funding of increased marketing (direct mail, e-mail and telemarketing) to support a newly hired sales consultant. |
If you have a public record on file, please briefly explain the event and its resolution. | Please be more specific. |
What type of business are you starting? | I am not starting, but rather expanding my successful 401(k) consulting practice. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $3715 per month in fixed expenses and roughly another $1000 in variable/discretionary expenses. It is worth noting that my wife is a 24 year veteran executive with a fortune 50 company and could pay both of our bills easily on her own. Thanks! -Ken |
Please describe your experience/familiarity with the business you are starting/started? | I began as a Regional Sales Manager with a large local firm in 2003 and through a great deal of success in sales of our 401(k) product and years of training, I became a Senior Consultant. I left to start my own practice on Nov 1, 2009. Since that time, I have added 35 clients and our firm is secure in moving forward. Thanks! -Ken |
Member Payment Dependent Notes Series 837248
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837248 |
$25,000 |
$25,000 |
10.59% |
1.00% |
August 15, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837248. Member loan 837248 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,428 / month |
Current employer: | US Army | Debt-to-income ratio: | 2.96% |
Length of employment: | 10+ years | Location: | Fayetteville, NC |
Home town: | |||
Current & past employers: | US Army | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > The purpose of the loan is to pay for the remaining treatment for my son with an anticipated completion date of Feb/Mar 2012.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | 37 |
Revolving Credit Balance: | $5,577.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please provide additional details regarding the purpose of the loan | The purpose of the loan to to pay for the planned completion of treatment for my son in Feb/Mar 2012 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am using the load for the sole purpose of paying for my son's treatment. If there is money remaining after the completion of the program, I plan to send it back to the lending club immediately. |
What is your intended use for the loan proceeds? | The intended use of the loan proceeds is to pay only for the treatment of my son until completion of the program in Feb/Mar 2012. |
What is your intended use for the loan proceeds? | The proceeds are to be used solely for the cost of the treatment until completion of the program |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My monthly expenses are: - mortgage is $1836.24 per month - gas, electric, water is approximately $300.00 per month - cable and phone $120.00 per month - car insurance is $106.00 per month - credit card payment $100.00 per month |
If you have a delinquency in the last 2 years, please explain the reason. | The only delinquency that I'm aware of is when I moved to Tampa, FL from Fayetteville, NC, I had my mail forwarded to my new address, but it wasn't immediate. I found that I was late/had a balance on my Fayetteville home electric bill and once I found out about it, I paid it off. That's all that I can recall. |
Please explain the reason why you carry a large revolving credit balance. | No good reason other than I need to pay more attention to my credit report and my aciton to clean it up is way overdue. |
If you have a public record on file, please briefly explain the event and its resolution. | I have never been arrested or charged with a crime and am unaware of any public record. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The loan is singular in purpose and solely meant to pay for the remaining treatment programmed to be completed in Feb/Mar 2012. |
Please provide additional details regarding the purpose of the loan? | I don't have that large sum of money available, but can easily pay for a 36 month loan. The loan is within my means to manage without issue. |
Please provide additional details regarding the purpose of the loan? | The purpose of the loan to to pay for my son's treatment until completion of the program/treatment in Feb/Mar 2012. |
Please provide additional details regarding the purpose of the loan | The purpose of the loan to to pay for the planned completion of treatment for my son in Feb/Mar 2012 |
Member Payment Dependent Notes Series 837262
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837262 |
$4,400 |
$4,400 |
11.99% |
1.00% |
August 11, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837262. Member loan 837262 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,000 / month |
Current employer: | Uprocess Now | Debt-to-income ratio: | 5.23% |
Length of employment: | 3 years | Location: | las vegas, NV |
Home town: | |||
Current & past employers: | Uprocess Now | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I plan to use the funds for cosmetic surgery purposes. Since I've establish my credit i kept up with my payments and took the responsibility to pay on time because i knew in the long run it would reflect in a positive matter to allow me have greater chances to be issued higher credit lines. I live with parents and do not plan to move for the next couple years which it will make it easier and help out a lot. I've been fortunate enough to work for a company that their service is offered world wide (merchant processing). our portfolio of merchants has grown an average of 20% in the last 3 years. Thank you kindly
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | 28 |
Revolving Credit Balance: | $2,513.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I reside in the city of entertainment where there's lots of opportunity in the night life. I am fortunate enough to have friends who have offered me a part time weekend job where I can defiantly see great success. I am confident but not so comfortable with the way I look. I feel like if I am going to take the opportunity, why not do it right and go in it with a BANG and have a greater chance than without the comfort, confidence and sexuality. thank you kindly! |
What is your intended use for the loan proceeds? | I reside in the city of entertainment where there's lots of opportunity in the night life. I am fortunate enough to have friends who have offered me a part time weekend job where I can defiantly see great success. I am confident but not so comfortable with the way I look. I feel like if I am going to take the opportunity, why not do it right and go in it with a BANG and have a greater chance than without the comfort, confidence and sexuality. thank you kindly! |
Member Payment Dependent Notes Series 837281
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837281 |
$30,000 |
$30,000 |
22.11% |
1.00% |
August 16, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837281. Member loan 837281 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,333 / month |
Current employer: | JH Reid General Contractors | Debt-to-income ratio: | 8.60% |
Length of employment: | 9 years | Location: | Piscataway, NJ |
Home town: | |||
Current & past employers: | JH Reid General Contractors | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/16/11 > We plan to use this loan to clear all our credit card debit, so that we concentrate on saving money for our future. Borrower added on 07/16/11 > We plan to use this loan to clear all our credit card debit, so that we concentrate on saving money for our future.
A credit bureau reported the following information about this borrower member on July 16, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $26,479.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 83.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Credit Card 1 -- $6300 23.23% $190.00 Credit Card 2 -- $6500 22.90% $195.00 Credit Card 3 -- $10200 22.99% $295.00 Credit Card 4 -- $1500 20.99% $50.00 Credit Card 5 -- $1500 21.90% $50.00 Credit Card 6 -- $2700 25.24% $90.00 |
What is the total balance of your credit cards, interest rates and current monthly payments? | Credit Card 1 -- $6300 23.23% $190.00 Credit Card 2 -- $6500 22.90% $195.00 Credit Card 3 -- $10200 22.99% $295.00 Credit Card 4 -- $1500 20.99% $50.00 Credit Card 5 -- $1500 21.90% $50.00 Credit Card 6 -- $2700 25.24% $90.00 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My total monthly payments for all the credit cards is $950.00. My monthly payment for the loan would be $830.00. Which means I would be saving $120 a month |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Credit Card 1 -- $6300 23.23% $190.00 Credit Card 2 -- $6500 22.90% $195.00 Credit Card 3 -- $10200 22.99% $295.00 Credit Card 4 -- $1500 20.99% $50.00 Credit Card 5 -- $1500 21.90% $50.00 Credit Card 6 -- $2700 25.24% $90.00 |
What is the total balance of your credit cards, interest rates and current monthly payments? | Credit Card 1 -- $6300 23.23% $190.00 Credit Card 2 -- $6500 22.90% $195.00 Credit Card 3 -- $10200 22.99% $295.00 Credit Card 4 -- $1500 20.99% $50.00 Credit Card 5 -- $1500 21.90% $50.00 Credit Card 6 -- $2700 25.24% $90.00 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The loan is strictly to payoff our credit card debt. We have added all the balances up and have come up with the amount needed. This loan would cover all the cc balances. |
What is the total balance of your credit cards, interest rates and current monthly payments? | Credit Card 1 -- $6300 23.23% $190.00 Credit Card 2 -- $6500 22.90% $195.00 Credit Card 3 -- $10200 22.99% $295.00 Credit Card 4 -- $1500 20.99% $50.00 Credit Card 5 -- $1500 21.90% $50.00 Credit Card 6 -- $2700 25.24% $90.00 |
What is your intended use for the loan proceeds? | The loan is going to be used to payoff credit cards. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses are $3200 for mortgage (which includes taxes and homeowners ins) and another $950 for other expenses. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage $3200 this includes the taxes and homeowners insurance. About $950 in the other household bills. |
If you have a delinquency in the last 2 years, please explain the reason. | I do not I have any delinquency. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | My mortgage payment is $3200 a month that includes the taxes and homeowners insurance |
Please explain the reason why you carry a large revolving credit balance. | We are carrying a large revolving balance because we had some unexpected expenses all at once and had to address the issues. |
If you have a public record on file, please briefly explain the event and its resolution. | I do not have any public records. |
Member Payment Dependent Notes Series 837393
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837393 |
$7,500 |
$7,500 |
7.49% |
1.00% |
August 16, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837393. Member loan 837393 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,000 / month |
Current employer: | gibbons erectors | Debt-to-income ratio: | 14.94% |
Length of employment: | 8 years | Location: | aurora, CO |
Home town: | |||
Current & past employers: | gibbons erectors | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,481.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 42.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Higher interest debt consolidation |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit cards 6000 @ 19.99 % 300 per month 1000 @ 24.24 % 100 " " mortgage 1400 per month auto loan 500 " " |
Member Payment Dependent Notes Series 837434
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837434 |
$20,000 |
$20,000 |
18.39% |
1.00% |
August 15, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837434. Member loan 837434 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,700 / month |
Current employer: | GRB Entertainment | Debt-to-income ratio: | 14.81% |
Length of employment: | < 1 year | Location: | LOS ANGELES, CA |
Home town: | |||
Current & past employers: | GRB Entertainment | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/14/11 > I plan to use these funds to payoff 2 of my credit cards. What makes me a good borrower is, I have never missed a payment nor been late. I am an very reliable and very smart when it comes to budgeting out what i have. I work in the entertainment business. I just started work at a new company. I was at my last job for 3 years and decided it was time to take the next step in my career, which i did. Borrower added on 07/20/11 > This loan would really help me out. I want a fresh start, and this will help me by letting me payoff my debt faster. Borrower added on 07/14/11 > I plan to use these funds to payoff 2 of my credit cards. What makes me a good borrower is, I have never missed a payment nor been late. I am an very reliable and very smart when it comes to budgeting out what i have. I work in television production. I just started work at a new company. I was at my last job for 3 years and decided it was time to take the next step in my career, which i did. Borrower added on 07/20/11 > This loan would really help me out. I want a fresh start, and this will help me by letting me payoff my debt faster.
A credit bureau reported the following information about this borrower member on July 13, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,122.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 94.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My rent is $1000/month,i pay $45/month for my utilities, my car is $350, My car insurance is about $153, my health insurance is $128/month, And then my 2 credit cards which im trying to consolidate are $198/month and the other is $213/month. So basically with this loan, my payments are going to be $100 more that what my 2 credit cards are, which is not a problem at all. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | my debt balances are as follows: student loan 3,400- monthly payment is $100 credit card 1- $7600- monthly payment is 215 interest rate is like 26% credit card 2- $5300- monthly payment is $170 interest rate i am not sure |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | to pay off my cc and loan, so i can just pay back this loan with a decent rate. Its would be a lot better than making a minimum payment to my cc and then having the high interest rate basically make my payment useless |
Which debts do you plan to pay off with this loan? | my 2 credit cards and my student loan |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My rent is $1000/month,i pay $45/month for my utilities, my car is $350, My car insurance is about $153, my health insurance is $128/month |
Member Payment Dependent Notes Series 837450
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837450 |
$12,000 |
$12,000 |
15.23% |
1.00% |
August 12, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837450. Member loan 837450 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $11,000 / month |
Current employer: | Epsilon | Debt-to-income ratio: | 12.25% |
Length of employment: | 5 years | Location: | Peabody, MA |
Home town: | |||
Current & past employers: | Epsilon | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 46 | Months Since Last Delinquency: | 47 |
Revolving Credit Balance: | $10,195.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 23.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit card Interest Mini. Payments Credit line Balance Capital one 15.90% $40 $5.000 $1.667.31 Target 22.90% $37 $1.500 $1.277.18 walmart 22.90% $25 $1.600 $ 573.05 Chase 19.24% $25 $1.500 $ 841.18 Citibank 25.99% $25 $ 850 $ 544.26 Kay Jewelers 18.00% $60 $4.000 $1.300 Total $6202.98 Listed are the main credit cards we wish to consolidate. The rest will be for medical expenses. Car loans: Auto: 690.13 %5.99 |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Mortgage: Citibank Primary: principal interest %4.5 monthly payment: $1867.12 Secondary: principal interest: %7.936 monthly payment: $283.70 Taxes rolled into mortgage Home/Auto insurance: $147.74 (direct withdrawal from check) |
Member Payment Dependent Notes Series 837459
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837459 |
$10,000 |
$10,000 |
9.99% |
1.00% |
August 12, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837459. Member loan 837459 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $11,667 / month |
Current employer: | San Francisco Symphony | Debt-to-income ratio: | 4.29% |
Length of employment: | < 1 year | Location: | Portland, OR |
Home town: | |||
Current & past employers: | San Francisco Symphony | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I have been awarded a position with a major symphony orchestra, but before I begin with them in September, I need to purchase three new trumpets. This loan will help me to purchase them and be able to play at the top level that is required for this orchestra. I am excited about this new step in my career, and I appreciate your investment.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $11,430.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 45.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | This past year, I took several auditions and purchased equipment and musical instruments needed to succeed at the auditions. All of that was very expensive. I won a position and will begin my new contract in September. The moving costs are so high that I had to charge most of it to the credit card. I will be able to pay off the credit cards almost immediately once I begin my new job. |
Member Payment Dependent Notes Series 837521
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837521 |
$10,075 |
$10,075 |
11.99% |
1.00% |
August 16, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837521. Member loan 837521 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,833 / month |
Current employer: | UNICON International Inc. | Debt-to-income ratio: | 24.29% |
Length of employment: | 1 year | Location: | Woodstock, OH |
Home town: | |||
Current & past employers: | UNICON International Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $23,529.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I took some education classes and used the credit card for them instead of trying to get a student loan. I am making better money as a result. They are being paid off. |
What is your intended use for the loan proceeds? | I am buying a bank owned foreclosed property to repair and rent out. I have done this in the past as well. I currently own a rental, done in this same manner, and it has been rented 100% for the last 8 years. I do not charge a huge rent and try to help the less fortunate out by doing this. |
Member Payment Dependent Notes Series 837528
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837528 |
$11,200 |
$11,200 |
7.49% |
1.00% |
August 15, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837528. Member loan 837528 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $9,167 / month |
Current employer: | Lakeside Pediatrics | Debt-to-income ratio: | 8.68% |
Length of employment: | 1 year | Location: | LAKELAND, FL |
Home town: | |||
Current & past employers: | Lakeside Pediatrics | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > 1. I plan to use 7300 dollars to pay professional liability insurance premium. Plan to use 1200 for professional licensing fees due. The remainder of the loan will go to credit card consolidation to a lower apr. The situation with the insurance premium is more of a cash flow problem since it was an unexpected expense. 2. I have been a responsible borrower, with no late payments, no negative remarks on my credit report, several accounts in good standing, have another loan on lending club in good standing. Also, working in a stable profession. 3. Monthly budget: 1600 rent, 375 insurance (life,disability,auto,renters), 900 groceries/utilities/gas, 1030 personal loans/student loan/car payments, 500 savings.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,745.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 23.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 837531
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837531 |
$18,000 |
$18,000 |
19.69% |
1.00% |
August 10, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837531. Member loan 837531 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,853 / month |
Current employer: | SE&D Inc. | Debt-to-income ratio: | 7.11% |
Length of employment: | 10+ years | Location: | Abington, MA |
Home town: | |||
Current & past employers: | SE&D Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > Want to consolidate debt to end cycle of slowly decreasing balances and move on.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | 59 |
Revolving Credit Balance: | $4,563.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 78.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Card: 2,500 24% ~$100 Monthly Credit Card: 9,200 24% ~$350 Monthly Personal Loan Balance: 4,400 19% ~$250 Monthly Personal Loan Balance: 2,200 17% ~$312 Monthly Previously was Self Employed, balances were necessary for operating costs. Carrying balances for some time and have been paying minimums, looking for loan to really work on decreasing principal balance. Currently have been working for an employer, same employer for over a year, which allows for financial consistency and stability. No longer self employed. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent ~875 Company car, phone, insurance no personal expense Misc expenses (utilities, food, etc.) around ~600 |
Member Payment Dependent Notes Series 837588
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837588 |
$12,000 |
$12,000 |
13.49% |
1.00% |
August 16, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837588. Member loan 837588 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,667 / month |
Current employer: | General Excavation Inc. | Debt-to-income ratio: | 25.32% |
Length of employment: | 10+ years | Location: | Maurertown, VA |
Home town: | |||
Current & past employers: | General Excavation Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > debt consolidation
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $59,561.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 74.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | debt consolidation |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 2900 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 2700 |
Member Payment Dependent Notes Series 837604
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837604 |
$15,000 |
$15,000 |
11.99% |
1.00% |
August 16, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837604. Member loan 837604 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,917 / month |
Current employer: | Cook Medical | Debt-to-income ratio: | 15.29% |
Length of employment: | 6 years | Location: | Pilot Mountain, NC |
Home town: | |||
Current & past employers: | Cook Medical | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > I plan to purchase a used car and pay off a couple other small bills and only have one payment. null
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,293.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 41.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I plan to purchase a truck for 8000 to 10000 and banks usually will not loan on older vechicles so i would be going through a finance company anyway. I also think I can get a better deal if I have cash. I will also payoff my lowes credit card which is 3000 even though it is 0% interest so I will only have one payment. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 75000 left on mortgage at a 4.8% rate and the payment is 580 a month. I always pay more. Lowes credit card payment is 300 at 0% but I will be paying that off. |
Member Payment Dependent Notes Series 837638
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837638 |
$12,000 |
$12,000 |
12.99% |
1.00% |
August 11, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837638. Member loan 837638 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,250 / month |
Current employer: | Heritage Pest Elimination | Debt-to-income ratio: | 10.35% |
Length of employment: | 3 years | Location: | ponce inlet, FL |
Home town: | |||
Current & past employers: | Heritage Pest Elimination | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > This loan will be used consolidate my existing debt in to one easy monthly payment. I plan on purchasing my first home in the next 3 years and my goal is to be debt free at that time. My credit is extremely important to me and I monitor it monthly. Borrower added on 08/05/11 > all of my bills are paid on time every month. The monthly payment from this loan will be cheaper than the minimum payments I am making now, and I will have all my accounts paid off in 3 years!
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | 14 |
Revolving Credit Balance: | $11,980.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 52.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | The only negative on my credit is 1 late payment on a student loan. The reason it was late is that I moved and my mailing address wasn't updated right away. As soon as I notified it was paid. That is the only negative item on my credit and after that I stay on top of my credit monthly. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 1700.00 a month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Bank of america-3281.00 @ 15.9% discover-1670.00 @ 12% Capitol 1- 1230.00 @15% Capitol1 orbitz- 452.00 @17.9% best buy mc-486.00 @ 21% amazon 969.00 @25% Department Store cards equal 3,900.00 and intrest rates are between 19%-22.9% Total monthy payments for all accounts are 575.00 |
Member Payment Dependent Notes Series 837686
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837686 |
$5,000 |
$5,000 |
10.99% |
1.00% |
August 17, 2011 |
August 20, 2016 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837686. Member loan 837686 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $1,916 / month |
Current employer: | n/a | Debt-to-income ratio: | 16.39% |
Length of employment: | n/a | Location: | WHITMAN, WV |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > We want to pay off the home equity mortgage loan because every year they add a 1200.00 flood insurance policy to the loan even though our house is not in the flood zone for the value of the house, not the amount of the loan.
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1986 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 9 | Months Since Last Delinquency: | 7 |
Revolving Credit Balance: | $6,201.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 18.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 837733
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837733 |
$14,000 |
$14,000 |
11.49% |
1.00% |
August 16, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837733. Member loan 837733 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $15,833 / month |
Current employer: | Good Samaritan Hospital | Debt-to-income ratio: | 16.22% |
Length of employment: | 3 years | Location: | Los Banos, CA |
Home town: | |||
Current & past employers: | Good Samaritan Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > With this loan I would like to pay off 2 credit cards company's who have raised my APR above 20% just because they could. I have never miss a payment and I'm never late. This would give me the chance to have my money going towards the money that I owe and not the interest. Please feel free to ask me any questions that you might have. Thank You. null
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 38 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $54,427.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 92.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 4,295.00 |
Please explain the reason why you carry a large revolving credit balance. | We have always had good credit. It was to easy for us to be approved for credit cards. To easy you could say. We have learned a big lesson and are trying to get out. I will pay them off! When I heard about this site I thought I would much rather give the normal everyday people a chance to make some money off of my mistakes then to keep giving the interest to the banks. It would also give me a big head start by getting down 2 of my largest interest rates. |
What is the total balance of your credit cards, interest rates and current monthly payments? | We have always had good credit. It was to easy for us to be approved for credit cards. To easy you could say. We have learned a big lesson and are trying to get out. I will pay them off! When I heard about this site I thought I would much rather give the normal everyday people a chance to make some money off of my mistakes then to keep giving the interest to the banks. It would also give me a big head start by getting down 2 of my largest interest rates. |
Member Payment Dependent Notes Series 837741
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837741 |
$6,000 |
$6,000 |
12.99% |
1.00% |
August 16, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837741. Member loan 837741 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,167 / month |
Current employer: | cosmo specialty fibers | Debt-to-income ratio: | 19.43% |
Length of employment: | < 1 year | Location: | aberdeen, WA |
Home town: | |||
Current & past employers: | cosmo specialty fibers | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I don't know if these messages are getting through, but I plan to use the money to finish the remodel on my kitchen that is gutted. (cabinets, appliances, flooring, etc...)
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,736.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 69.60% | Months Since Last Record: | 102 |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Finishing my kitchen remodel. |
If you have a public record on file, please briefly explain the event and its resolution. | I rode a friend's motorcycle up the street, was pulled over and eventually fined $300 for no motorcycle endorsement. This was over 16 years ago. That is it. |
Member Payment Dependent Notes Series 837748
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837748 |
$3,500 |
$3,500 |
13.49% |
1.00% |
August 10, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837748. Member loan 837748 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $2,083 / month |
Current employer: | Interval International | Debt-to-income ratio: | 19.15% |
Length of employment: | 3 years | Location: | miami, FL |
Home town: | |||
Current & past employers: | Interval International | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > The borrowed funds will help me pay off my medical bills that are going into collections. I have a stable income and would be able to pay back monthly.
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | 53 |
Revolving Credit Balance: | $1,553.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 44.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 837755
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837755 |
$14,000 |
$14,000 |
18.39% |
1.00% |
August 16, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837755. Member loan 837755 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,500 / month |
Current employer: | at&t | Debt-to-income ratio: | 20.47% |
Length of employment: | 8 years | Location: | fort pierce, FL |
Home town: | |||
Current & past employers: | at&t | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > please allow me to consolodate my debt thank you have a good day null
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 3 |
Revolving Credit Balance: | $24,090.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 52.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I carry a large revolving credit balance because my wife has been out of work for almost two years so thing have been tight. I have been keeping up with my bills and have pick up a night job also. I would just like to pay off my debts sooner . Sorry about the delay in the response but the two jobs plus side work on the weekend has left free time to a minimum. Thank you and have a nice day |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquencies that I know of. Sorry for the delay but I am working two jobs right now so fee time is limited have a nice day and thank you |
Please explain the reason why you carry a large revolving credit balance. | I carry a large revolving credit balance because my wife has been out of work for almost two years so thing have been tight. I have been keeping up with my bills and have pick up a night job also. I would just like to pay off my debts sooner . Sorry about the delay in the response but the two jobs plus side work on the weekend has left free time to a minimum. Thank you and have a nice day |
Member Payment Dependent Notes Series 837789
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837789 |
$11,575 |
$11,575 |
6.99% |
1.00% |
August 16, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837789. Member loan 837789 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,333 / month |
Current employer: | Memorial Sloan Kettering Cancer Center | Debt-to-income ratio: | 28.89% |
Length of employment: | < 1 year | Location: | Astoria, NY |
Home town: | |||
Current & past employers: | Memorial Sloan Kettering Cancer Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/01/11 > I will be using this loan to consolidate and pay off credit cards, as well as paying off additional debts. null
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,688.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 19.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 837805
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837805 |
$7,500 |
$7,500 |
12.99% |
1.00% |
August 11, 2011 |
August 15, 2016 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837805. Member loan 837805 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $13,333 / month |
Current employer: | Thomas Jefferson University Hospital | Debt-to-income ratio: | 19.45% |
Length of employment: | 5 years | Location: | HADDON TOWNSHIP, NJ |
Home town: | |||
Current & past employers: | Thomas Jefferson University Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I have worked in health care for over 35 years. 5 years at my current position. In over 35 years I have never missed or been late on a payment of any kind. null
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $45,385.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I have two sons in college and am helping them. |
Please provide additional details regarding the purpose of the loan | My youngest son is getting married and I am having to pay for everything. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Monthly expenses run around $6800 month. My wife works also but I did not include her income in the app. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Already responded. |
Please explain the reason why you carry a large revolving credit balance. | I have two sons in college and am helping them. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The fund is being used for a wedding only. |
Please explain the reason why you carry a large revolving credit balance. | I have two sons in college and am helping them. |
Member Payment Dependent Notes Series 837813
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837813 |
$5,000 |
$5,000 |
7.49% |
1.00% |
August 16, 2011 |
August 15, 2014 |
August 15, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837813. Member loan 837813 was requested on August 1, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,375 / month |
Current employer: | Bowling Green R-1 | Debt-to-income ratio: | 5.19% |
Length of employment: | 1 year | Location: | Bowling Green, MO |
Home town: | |||
Current & past employers: | Bowling Green R-1 | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > For moving expenses and other bills. Borrower added on 08/06/11 > I need to setup security deposits and other deposits on a new rental. Borrower added on 08/09/11 > Found a place to move into, just need the loan to get everything rolling. Borrower added on 08/11/11 > I am under contract as a professional, budget includes well over what the monthly payment would be for this loan. null
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 43 | Months Since Last Delinquency: | 62 |
Revolving Credit Balance: | $9,204.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 4 |
Member Payment Dependent Notes Series 837818
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
837818 |
$2,400 |
$2,400 |
11.99% |
1.00% |
August 10, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 837818. Member loan 837818 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,667 / month |
Current employer: | Princeton Center for Leadership Training | Debt-to-income ratio: | 12.34% |
Length of employment: | < 1 year | Location: | PRINCETON, NJ |
Home town: | |||
Current & past employers: | Princeton Center for Leadership Training | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I'm hoping that this loan will help me alleviate not only my school debt, but also my credit card debt accumulated over my 4-years in college. I currently hold a full-time position in an education consulting firm that provides a steady source of income. Since beginning the position, I have been budgeting wisely to pay off my debt, but I think this loan would give me an extra push in the right direction. Thank you!
A credit bureau reported the following information about this borrower member on August 1, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 23 |
Revolving Credit Balance: | $4,480.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 57.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 838022
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838022 |
$15,000 |
$15,000 |
17.49% |
1.00% |
August 17, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838022. Member loan 838022 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,800 / month |
Current employer: | Ortho Molecular Products | Debt-to-income ratio: | 22.06% |
Length of employment: | < 1 year | Location: | San Francisco, CA |
Home town: | |||
Current & past employers: | Ortho Molecular Products | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > Although I've been in my current position for less than a year, I am a top performer which gives me job security. I plan to use this loan to consolidate my credit card debt into one sum and pay it off over 5 years. null
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 21 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $11,713.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 22.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent: $750 Car: $375 Insurance: $125 Utilities: $75 Food: $300 Student Loans: $157 |
Which debts do you plan to pay off with this loan? | Credit Card |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards: $12,000 interest rate 29.99%--- monthly payment $600 (at least) Student Loans- $8,000 Interest rate 4%- monthly payment $157 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent: $750 Car: $375 Insurance: $125 Utilities: $75 Food: $300 Student Loans: $157 |
Which debts do you plan to pay off with this loan? | Credit Card |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards: $12,000 interest rate 29.99%--- monthly payment $600 (at least) Student Loans- $8,000 Interest rate 4%- monthly payment $157 |
Member Payment Dependent Notes Series 838087
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838087 |
$21,000 |
$21,000 |
13.99% |
1.00% |
August 16, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838087. Member loan 838087 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,250 / month |
Current employer: | KTVU-TV | Debt-to-income ratio: | 5.68% |
Length of employment: | 5 years | Location: | Fremont, CA |
Home town: | |||
Current & past employers: | KTVU-TV | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,155.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | total minimum payment is approximately 800 dollars for one credit card. This loan would cover the entire balance and reset my card so to speak. So in essence I would paying anything I charge for the month, plus the loan amount. I have a second credit card that I usually strictly for gas and minor purchases. The balance on that card each month is about $250 and is paid in full. |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | American Express, $19,519 and the rate is 15.24%, though they are changing their "minimum" to dollars instead of a percentage this month. |
What is your intended use for the loan proceeds? | To essentially refinance my credit card debt so I can lower the interest rate I pay every month along with the minimum payment. This will give me a fresh start and I will not be handcuffed by a potentially high payment every single month that could severely restrict my cash flow and ability to meet any other financial obligations that may surface. I'm also anticipating landing a job that will increase my monthly income and allow me to repay the loan quicker. I already am employed, but there's an opportunity for me to move to a "greener pasture" if you will. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | HOA dues +Mortgage+Utilities come out to about $2680 monthly. |
What is the total balance of your credit cards, interest rates and current monthly payments? | Only have one credit card with a balance, the other is paid off. The one with a balance is $19,518 as of last month. The interest rate is 15.24% and monthly payment is about $850. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | During a typical month, it comes out to about $3400. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | HOA dues +Mortgage+Utilities come out to about $2680 monthly. |
If you have a delinquency in the last 2 years, please explain the reason. | I once forgot to mail in my cell phone bill because I was on vacation, and I've had a late payment charge once on a MasterCard because the check arrived and posted one day after the due date. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Nope, this loan is only for one purpose. My goal is to refinance my one credit card debt to make it more manageable month to month so I can improve my cash flow. Should I land a new job as expected, this will only help my situation in solving this one financial issue I'm facing. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | 2188 for the mortgage. HOA is 451, goes down to 326 in March of 2013. Insurance comes once a year since I only have to take care of the inside, HOA covers the outside. My payment is 544. I pay property taxes bi-annually, and my property value just got reassessed so I have no idea what payment is going to be, although I can tell you it will be less than what I paid 2010-11. I am going to attempt to refinance if my LTV allows it. |
Please explain the reason why you carry a large revolving credit balance. | I had a series of unfortunate events. I had to fix my car on 2 occasions recently and injured my back during a trip to Arizona. I also had to have some dental work done, and my insurance covered next to nothing. Factor in higher health insurance costs, union dues, and my HOA tacking on a special assessment each month, I've been unable to make headway like I'd like to. I can chip away, but not in big chunks like I once was doing. |
If you have a public record on file, please briefly explain the event and its resolution. | I don't one. |
Member Payment Dependent Notes Series 838088
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838088 |
$7,500 |
$7,500 |
11.49% |
1.00% |
August 12, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838088. Member loan 838088 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $8,358 / month |
Current employer: | Space Exploration Technologies | Debt-to-income ratio: | 9.76% |
Length of employment: | 3 years | Location: | los angeles, CA |
Home town: | |||
Current & past employers: | Space Exploration Technologies | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | 38 |
Revolving Credit Balance: | $4,646.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 30.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | We are buying a house and need the loan to put in a backyard (sod, fencing, sprinkler system). |
Member Payment Dependent Notes Series 838140
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838140 |
$17,000 |
$17,000 |
11.99% |
1.00% |
August 15, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838140. Member loan 838140 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,667 / month |
Current employer: | Bank of America | Debt-to-income ratio: | 12.69% |
Length of employment: | 10+ years | Location: | Kernersville, NC |
Home town: | |||
Current & past employers: | Bank of America | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $11,677.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 36.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Total Mortgage Payment - $977.52 ($719.59 - P&I, $257.93) |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage Balance - $115,080.61 interest rate 5% regular monthly payment $977.52 Studaent Loan Balance - $12851.79, interest rate 4% regular monthly payment $131.00 Credit Card Balance (Combined) $17,020.92 regualr monthly payments $470.00 |
What is your intended use for the loan proceeds? | To payoff the credit card debt and lower monthly payments. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Total Mortgage payment is $977.52 which includes property and housing taxes Utilities is approx $70.00 HOA Fees is $15.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Avergage monthly expenses are $3,000. Mortgage totaling $978 and credit card payments totaling $500. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Avergage monthly expenses are $3,000. Mortgage totaling $978 and credit card payments totaling $500. |
Member Payment Dependent Notes Series 838158
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838158 |
$15,875 |
$15,875 |
11.99% |
1.00% |
August 17, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838158. Member loan 838158 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,943 / month |
Current employer: | State of Missouri | Debt-to-income ratio: | 27.90% |
Length of employment: | 10+ years | Location: | Higbee, MO |
Home town: | |||
Current & past employers: | State of Missouri | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I plan to use the funds to pay off some long term debt that I accrued while in college. I am a state employee and have been for the past 14 years. We have not had a pay raise in several years but my job is very secure.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $30,637.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Approximately $3500 per month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I cannot give you all the exact amounts as I do not have them in front of me right now. I owe about $49000 on my mortgage and my interest rate in 5.375%. Most of my credit cards have good interest rates except for my store credit cards which will be the first ones that will be paid off and closed. I still am paying for my student loan, it is $170 per month. I do not have any lines of credit and no second mortgage. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Approximately $3500 per month |
Please explain the reason why you carry a large revolving credit balance. | This began when I was attending college right out of high school. I borrowed money to go to college and although I worked part time I did not make enough money to live. I am trying to reduce my revolving credit balance by paying off credit cards and then closing them out. It has been a struggle but I continue to work on it. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I cannot give you all the exact amounts as I do not have them in front of me right now. I owe about $49000 on my mortgage and my interest rate in 5.375%. Most of my credit cards have good interest rates except for my store credit cards which will be the first ones that will be paid off and closed. I still am paying for my student loan, it is $170 per month. I do not have any lines of credit and no second mortgage. |
Member Payment Dependent Notes Series 838179
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838179 |
$12,000 |
$12,000 |
10.99% |
1.00% |
August 16, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838179. Member loan 838179 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $9,583 / month |
Current employer: | Shared Technology Services Group Inc | Debt-to-income ratio: | 18.82% |
Length of employment: | 3 years | Location: | Quincy, MA |
Home town: | |||
Current & past employers: | Shared Technology Services Group Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,096.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Hi I already have a loan with Lending club and i was making the payments ontime correctly and due to my good credit rating, they offered me to take another loan with a lower interest. This is the reason i applied for this loan and which will help me to lower my monthly payments. I work as a Senior Technology Specialist in a leading Auto insurance company in Boston. I have decent job, salary and a family. I have a loving son. Hope that you all will help me out. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Hi I already have a loan with Lending club and i was making the payments ontime correctly and due to my good credit rating, they offered me to take another loan with a lower interest. This is the reason i applied for this loan and which will help me to lower my monthly payments. I work as a Senior Technology Specialist in a leading Auto insurance company in Boston. I have decent job, salary and a family. I have a loving son. Hope that you all will help me out. |
What is your intended use for the loan proceeds? | To close some debt of higher interestm which is currently 713 per month payment will get reduced to 400 with this loan |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent- 1392, Transportation - 100, Utilities - 121 , Phone - 90, insuance - 60, food - 600, Other debt payment- 713 etc - 300. Total of 3376. My take home per month is 6000 (excluding bonus). Some of my remaining upto 1700 per month going to fixed deposit, which is getting matured in January 2012. Nothing critical at my end, just want to lower my monthly payment with lower interest. Hope you all can help me out. |
Which debts do you plan to pay off with this loan? | credit card and my existing high interest loan. I can lower my monthly payment with this lower interest rate. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Hi I already have a loan with Lending club and i was making the payments ontime correctly and due to my good credit rating, they offered me to take another loan with a lower interest. This is the reason i applied for this loan and which will help me to lower my monthly payments. I work as a Senior Technology Specialist in a leading Auto insurance company in Boston. I have decent job, salary and a family. I have a loving son. Hope that you all will help me out. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Hi I already have a loan with Lending club and i was making the payments ontime correctly and due to my good credit rating, they offered me to take another loan with a lower interest. This is the reason i applied for this loan and which will help me to lower my monthly payments. I work as a Senior Technology Specialist in a leading Auto insurance company in Boston. I have decent job, salary and a family. I have a loving son. Hope that you all will help me out. |
Member Payment Dependent Notes Series 838188
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838188 |
$26,400 |
$26,400 |
18.39% |
1.00% |
August 17, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838188. Member loan 838188 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,267 / month |
Current employer: | DOJ - ATF | Debt-to-income ratio: | 12.28% |
Length of employment: | 6 years | Location: | goose creek, SC |
Home town: | |||
Current & past employers: | DOJ - ATF | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I am employed as a federal investigator for 6 years. I will use the funding to payoff my credit cards debt.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 50 | Months Since Last Delinquency: | 70 |
Revolving Credit Balance: | $16,113.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 57.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | mortgage, taxes, insurance $1390 Utilities - $180 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa - 4900 Visa - 6300 Visa - 5800 Home Dept - 2801 home Dept - 1550 Home Dept - 1100 mortgage - 1400 student loan - 660 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa - 4900 Visa - 6300 Visa - 5800 Home Dept - 2801 home Dept - 1550 Home Dept - 1100 mortgage - 1400 student loan - 660 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mort 1400 utilities - 250 phone - 50 food - 300 transport - 300 std loan - 660 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | mortgage, taxes, insurance $1390 Utilities - $180 |
If you have a delinquency in the last 2 years, please explain the reason. | no |
Please explain the reason why you carry a large revolving credit balance. | I used them to purchase medication before I was employed. I had a transplant. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa - 4900 Visa - 6300 Visa - 5800 Home Dept - 2801 home Dept - 1550 Home Dept - 1100 mortgage - 1400 student loan - 660 |
Which debts do you plan to pay off with this loan? | I plan to payoff all of my credit cards (6). |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The purpose would be to pay them them in full |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa - 4900 Visa - 6300 Visa - 5800 Home Dept - 2801 home Dept - 1550 Home Dept - 1100 mortgage - 1400 student loan - 660 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa - 4900 Visa - 6300 Visa - 5800 Home Dept - 2801 home Dept - 1550 Home Dept - 1100 mortgage - 1400 student loan - 660 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa - 4900 Visa - 6300 Visa - 5800 Home Dept - 2801 home Dept - 1550 Home Dept - 1100 mortgage - 1400 student loan - 660 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa - 4900 Visa - 6300 Visa - 5800 Home Dept - 2801 home Dept - 1550 Home Dept - 1100 mortgage - 1400 student loan - 660 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa - 4900 Visa - 6300 Visa - 5800 Home Dept - 2801 home Dept - 1550 Home Dept - 1100 mortgage - 1400 student loan - 660 |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | 1400 mortgage, insurance and taxes 250 utilities |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa - 4900 Visa - 6300 Visa - 5800 Home Dept - 2801 home Dept - 1550 Home Dept - 1100 mortgage - 1400 student loan - 660 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa - 4900 Visa - 6300 Visa - 5800 Home Dept - 2801 home Dept - 1550 Home Dept - 1100 mortgage - 1400 student loan - 660 |
Please explain the reason why you carry a large revolving credit balance. | I used them to purchase medication before I was employed. I had a transplant. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa - 4900 Visa - 6300 Visa - 5800 Home Dept - 2801 home Dept - 1550 Home Dept - 1100 mortgage - 1400 student loan - 660 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The purpose would be to pay them them in full |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mort 1400 utilities - 250 phone - 50 food - 300 transport - 300 std loan - 660 |
Member Payment Dependent Notes Series 838228
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838228 |
$6,000 |
$6,000 |
12.99% |
1.00% |
August 16, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838228. Member loan 838228 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $7,000 / month |
Current employer: | n/a | Debt-to-income ratio: | 2.14% |
Length of employment: | 5 years | Location: | clearwater, FL |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | 4 |
Revolving Credit Balance: | $1,787.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 32.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 838233
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838233 |
$11,000 |
$11,000 |
7.49% |
1.00% |
August 10, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838233. Member loan 838233 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,877 / month |
Current employer: | Verizon | Debt-to-income ratio: | 12.05% |
Length of employment: | 7 years | Location: | Alpharetta, GA |
Home town: | |||
Current & past employers: | Verizon | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > Howdy, I already have a Lending Club load that I have been paying on regularly. It was for Debt consolidation and it has worked wonders. Got my cards paid off, closed the accounts and my credit is getting near 800. I received an offer to try another loan and get a lower rate and I did! I would like to refinance the renaming balance on my previous loan with this one. Not really looking to lower payments, as I already pay more than my loan payment except for a few months a year. Looking to pay this off faster basically. If you have any questions please let me know.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 9 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $660.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 4.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Let's put it this way, I bring home ~4500 and spend about 2300 to 2700 per month, That includes my discretionary spending as well, movies etc. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have only two debts. My previous loan with lending club, around 11k and an old credit card with 3300 at 6% that is closed so no longer revolving and they can't raise the rate. I am paying that off last. I own my car outright. |
What is your intended use for the loan proceeds? | I already put this in the loan description. I already have a lending club loan for debt consolidation. It brought my credit score up and allowed me to cancel my cards. I got an offer to try for a lower interest rate and I got it. I would like to use this to pay off the old loan balance. That will allow me to pay this loan off faster. Not looking to lower payments as I already pay more than my payment most months. |
Member Payment Dependent Notes Series 838263
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838263 |
$16,000 |
$16,000 |
17.49% |
1.00% |
August 16, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838263. Member loan 838263 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,500 / month |
Current employer: | CITY OF PASSAIC | Debt-to-income ratio: | 16.15% |
Length of employment: | 7 years | Location: | PASSAIC, NJ |
Home town: | |||
Current & past employers: | CITY OF PASSAIC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,484.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Capital One $5,940 9.9% monthly due $130 Citi Cards $ 1,090 17.24% monthly due $ 30 Chase $926.34 14.99% monthly due $ 52 Discover $ 2,435 16.99% Monthly due $ 60 Macys $179 24.99% monthly due $ 15 Rent $1375 Car $460 Student loan $ 19,700 monthly due Due $ 130 Utlities Cable, gas and electric Monthly $255 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 1375 Rent, 150 utilities, 179 car insurance, personal health insurance is at no cost by employer, 200 approx 200 monthly on grocery shopping, 450 transportation and 130 monthly on student loans. |
Which debts do you plan to pay off with this loan? | Credit cards and hopefully use the remainder to put as a 3.5% down payment on a home to lower my monthly expenses oddly enough I would pay less in a mortgage vs. renting. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Capital One $5,940 9.9% monthly due $130 Citi Cards $ 1,090 17.24% monthly due $ 30 Chase $926.34 14.99% monthly due $ 52 Discover $ 2,435 16.99% Monthly due $ 60 Macys $179 24.99% monthly due $ 15 Rent $1375 Car $460 Student loan $ 19,700 monthly due Due $ 130 Utlities Cable, gas and electric Monthly $255 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Capital One $5,940 9.9% monthly due $130 Citi Cards $ 1,090 17.24% monthly due $ 30 Chase $926.34 14.99% monthly due $ 52 Discover $ 2,435 16.99% Monthly due $ 60 Macys $179 24.99% monthly due $ 15 Rent $1375 Car $460 Student loan $ 19,700 monthly due Due $ 130 Utlities Cable, gas and electric Monthly $255 |
Member Payment Dependent Notes Series 838332
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838332 |
$11,000 |
$11,000 |
6.99% |
1.00% |
August 15, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838332. Member loan 838332 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,748 / month |
Current employer: | The George Washington University | Debt-to-income ratio: | 7.12% |
Length of employment: | 2 years | Location: | Washington, DC |
Home town: | |||
Current & past employers: | The George Washington University | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I am using this money to pay off my credit card debt in an effort to re-evaluate my budget and spend wisely/invest more money into my retirement accounts instead of paying credit card companies with their high interest rates. I was employed full time immediately following my my college graduation (Dec 2007) first in the real estate sector and currently employed at a university. I am a great borrower because I am never late on payments and take my finances seriously.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,586.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 20.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The only debt I have is from two credit cards. I do not have any student loans, car payments, mortgages, etc. Both of my credit cards are at an interest rate of 15.99%. I would like to pay both of them off and have one monthly payment to LendingClub which will will give me a lower interest rate and allow me to pay them off faster. Please feel free to ask any other questions and thanks for your message. |
Member Payment Dependent Notes Series 838354
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838354 |
$10,000 |
$10,000 |
11.49% |
1.00% |
August 10, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838354. Member loan 838354 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,380 / month |
Current employer: | Verizon | Debt-to-income ratio: | 11.22% |
Length of employment: | 7 years | Location: | los angeles, CA |
Home town: | |||
Current & past employers: | Verizon | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > Car payment payoff - $5, 804 Capitalone credit card payoff- $1,789 Home depot Credit crd payoff - 987
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 20 |
Revolving Credit Balance: | $2,757.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 83.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | Yes, Sept 2009 - Late payment on student loan due to being hospitalized for an extensive period after car accident. No further delinquencies regarding student loan (or otherwise), as I take pride in paying my creditors on time. |
Member Payment Dependent Notes Series 838362
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838362 |
$7,400 |
$7,400 |
6.99% |
1.00% |
August 16, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838362. Member loan 838362 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,167 / month |
Current employer: | Union Bank Of California | Debt-to-income ratio: | 10.43% |
Length of employment: | < 1 year | Location: | mill valley, CA |
Home town: | |||
Current & past employers: | Union Bank Of California | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > Looking to consolidate loans to get everything in one lump payment to make life easier. Never late on any payments this will just make everything easier. Very reliable with payments and a steady job with good pay.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,057.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 8.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 1150 utilities included. Phone is 40 food about 175 and Insurance is 65 |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | No mortgage. Rent is 1150 including utilities |
Which debts do you plan to pay off with this loan? | a couple credit cards with higher interest rates |
What is your intended use for the loan proceeds? | To consolidate debt and pay it all together |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 7200 combined at 15 percent 280 per month |
Member Payment Dependent Notes Series 838370
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838370 |
$8,500 |
$8,500 |
10.99% |
1.00% |
August 17, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838370. Member loan 838370 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,200 / month |
Current employer: | autopartsource | Debt-to-income ratio: | 19.31% |
Length of employment: | 10+ years | Location: | fremont, CA |
Home town: | |||
Current & past employers: | autopartsource | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1980 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 47 |
Revolving Credit Balance: | $9,992.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 38.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | BofA has a balance of $6,600 @24% monthly payment is about $215. Cap1 is $1,800 at 14.99%monthly payment is usually $50 . I also have a mortgage of $875 monthly |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | BofA has a balance of $6,600 @24% monthly payment is about $215. Cap1 is $1,800 at 14.99%monthly payment is usually $50 . I also have a mortgage of $875 monthly |
Member Payment Dependent Notes Series 838376
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838376 |
$13,000 |
$13,000 |
10.99% |
1.00% |
August 16, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838376. Member loan 838376 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,667 / month |
Current employer: | Sunrise Hospital | Debt-to-income ratio: | 17.63% |
Length of employment: | 10+ years | Location: | Henderson, NV |
Home town: | |||
Current & past employers: | Sunrise Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > I intend to use this loan to pay off some high interest credit cards and bills, with the amount remaining i hope to make a payment to lending club that will lower my loan to 17k or even 16k if possible and repay it as soon as possible. Borrower added on 08/10/11 > I have lowered the loan amount from 18k to 13 k,I did this over the phone with a lending club representative.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $93,556.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 20.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Debt consolidation |
Which debts do you plan to pay off with this loan? | Credit cards and bills |
What is your intended use for the loan proceeds? | debt consolidation |
Please explain the reason why you carry a large revolving credit balance. | your questions are getting too personal for me, i would be more than happy to tell you oabout my expenses,why dont we talk,since you need to know, give me ur number and i will call you,lets talk |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | When we talk over the phone i can answer this in detail |
Please explain the reason why you carry a large revolving credit balance. | your questions are getting too personal for me, i would be more than happy to tell you oabout my expenses,why dont we talk,since you need to know, give me ur number and i will call you,lets talk |
Member Payment Dependent Notes Series 838392
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838392 |
$12,000 |
$12,000 |
7.49% |
1.00% |
August 11, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838392. Member loan 838392 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,000 / month |
Current employer: | Amazon.com | Debt-to-income ratio: | 15.74% |
Length of employment: | < 1 year | Location: | Seattle, WA |
Home town: | |||
Current & past employers: | Amazon.com | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,433.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 49.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | 2 large credit cards debt with high interest rates |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | It's all credit cards (no mortgage or student debt) Total for 4 cards is a little less than 15K. My interest rates are between 12-17% |
Please explain the reason why you carry a large revolving credit balance. | I went through a divorce a couple of years ago. I left the marriage with nothing and didn't fight my ex for anything so I could get out. I racked up a large amount of debt then and am now stable to begin paying everything off. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $1k Transportation - Free ORCA card through company Utilities per month $150 Cell phone $80 Insurance - $25/mo |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | It's all credit cards (no mortgage or student debt) Total for 4 cards is a little less than 15K. My interest rates are between 12-17% |
Which debts do you plan to pay off with this loan? | 2 large credit cards debt with high interest rates |
Please explain the reason why you carry a large revolving credit balance. | I went through a divorce a couple of years ago. I left the marriage with nothing and didn't fight my ex for anything so I could get out. I racked up a large amount of debt then and am now stable to begin paying everything off. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $1k Transportation - Free ORCA card through company Utilities per month $150 Cell phone $80 Insurance - $25/mo |
Member Payment Dependent Notes Series 838412
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838412 |
$13,250 |
$13,250 |
10.59% |
1.00% |
August 16, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838412. Member loan 838412 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,775 / month |
Current employer: | IRS | Debt-to-income ratio: | 24.07% |
Length of employment: | < 1 year | Location: | Spanaway, WA |
Home town: | |||
Current & past employers: | IRS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 45 | Months Since Last Delinquency: | 8 |
Revolving Credit Balance: | $7,500.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 838433
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838433 |
$12,000 |
$12,000 |
7.49% |
1.00% |
August 17, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838433. Member loan 838433 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,417 / month |
Current employer: | Novogradac & Company LLP | Debt-to-income ratio: | 13.40% |
Length of employment: | 2 years | Location: | Sunnyvale, CA |
Home town: | |||
Current & past employers: | Novogradac & Company LLP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,953.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 23.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I'll be paying off credit card. |
Member Payment Dependent Notes Series 838475
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838475 |
$6,000 |
$6,000 |
5.42% |
1.00% |
August 11, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838475. Member loan 838475 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,758 / month |
Current employer: | Autry National Center | Debt-to-income ratio: | 5.96% |
Length of employment: | 2 years | Location: | Sierra Madre, CA |
Home town: | |||
Current & past employers: | Autry National Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
I'm a hard worker with a steady job. Have always been employed except for 2009 which is when I took time off to take care of two ailing family members. During that time I depended too heavily on credit cards and accumulated debt. I have no problem keeping up with my payments but hate paying the high interest. <br> I have a college degree and many years of experience in my field. Because of this I was able to find a job, even in this economy, within a few months. <br> I keep a budget of all my expenses and stick to it. Borrower added on 08/06/11 > I have about $6,000 in credit card debt at an interest rate of 19.24%. Minimum payment varies drastically. The more I pay the less they require me to pay the following month (I suspect this is a tactic to prevent customers from "getting ahead"). I have $250 per month in my budget available for paying debt. This past year I had too many large expenses come up (needing new tires, my cat was hospitalized twice, an expensive medical procedure with a portion not covered by insurance). Due to this, I ended up only paying the minimums (about $110 to $150/month) for most of the year. I'm fortunate that my parents are professionals who have helped me with some of this and who would always be there for me if I ever got into trouble.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,064.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 9.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | I have credit card debt. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have about $6,000 in credit card debt at an interest rate of 19.24%. Minimum payment varies drastically. The more I pay the less they require me to pay the following month (I suspect this is a tactic to prevent customers from "getting ahead"). I have $250 per month in my budget available for paying debt. This past year I had too many large expenses come up (needing new tires, cat was hospitalized twice, an expensive medical procedure with a portion not covered by insurance). Due to this, I ended up only paying the minimums (about $110 to $150/month) for most of the year. I'm fortunate that my parents are professionals who have helped me with some of this and who would always be there for me if I ever got into trouble. They would probably be willing to lend me cash but I feel that this is a small enough amount of debt that I'd like to just handle it myself. I just want to be smart about not paying too much interest since I've been slow to pay it down. |
Member Payment Dependent Notes Series 838504
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838504 |
$10,800 |
$10,800 |
6.99% |
1.00% |
August 16, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838504. Member loan 838504 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,000 / month |
Current employer: | Griffin Hospital | Debt-to-income ratio: | 4.37% |
Length of employment: | 6 years | Location: | higganum, CT |
Home town: | |||
Current & past employers: | Griffin Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > excellent credit, never been delinquent, steady employment for past 6 years, & planning to use the loan for some wedding expenses.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,365.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 11.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Usually, I have a very minimal revolving credit balance (if any). The remaining balance was used for my fiance's wedding present and will be paid off by the end of September. |
What is your intended use for the loan proceeds? | My wedding is next month and I am using the loan to help cover some of the costs associated with this. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | for our mortgage, utilities, student loan, taxes and insurances... apx. $3350 per month. we have no car loans. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | our mortgage, all utilities (incl tv, internet, phone, etc), insurances, taxes, and student loan payments average $3350. adding in food, gas, and monthly household exp... averages 500 per month. |
If you have a delinquency in the last 2 years, please explain the reason. | i have no delinquencies within the past 2 years (or ever for that matter) :) |
What portion of your wedding expenses does this loan represent? | 1/3 |
How are you paying for other wedding expenses not covered by this loan? | we are using money that we have saved over a few years for the rest. |
What portion of your wedding expenses does this loan represent? | about 1/3 |
What portion of your wedding expenses does this loan represent? | apx. 1/3 |
What portion of your wedding expenses does this loan represent? | apx. 1/3 |
What portion of your wedding expenses does this loan represent? | apx. one third |
What portion of your wedding expenses does this loan represent? | i've answered this question 3 times already... |
What portion of your wedding expenses does this loan represent? | ghettodrvr, i have answered all of your questions, especially the last one multiple times. By now, you are either going to assist me in this lending process or you're just probing with personal questions. |
Member Payment Dependent Notes Series 838518
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838518 |
$20,000 |
$20,000 |
9.99% |
1.00% |
August 11, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838518. Member loan 838518 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,833 / month |
Current employer: | Apollo Interactive | Debt-to-income ratio: | 22.34% |
Length of employment: | 5 years | Location: | El Segundo, CA |
Home town: | |||
Current & past employers: | Apollo Interactive | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > Paying off higher interest credit cards & be debt free in three years.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1976 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $18,478.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 54.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Rent on my home is $1,200 / month utilities included |
Please explain the reason why you carry a large revolving credit balance. | I've had the same accounts for years but I built up debt a few years ago and higher interest rates combined with a few unexpected larger expenses have made it difficult to pay them off. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Loan will Cover: Visa - $5k - 17% apr - current monthly $80 Mastercard - $4k 18% apr - current monthly $65 Amex - $8k debt - 15% apr - current monthly $150 Other Reoccurring Costs: Rent: $1250 including util ($50 goes to gardening service) Car Ins: $55 Cable / Internet - $100 Phone - $75 Lendingclub - $630 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent & util - $1,250 Phone - $75 Car Insurance - $55 Food - Usually $250-400 TV+Internet - $100 Transport is under $50 because is my work is less than 3 miles away |
Which debts do you plan to pay off with this loan? | Costco Amex -$8k Chase Visa -$5k Citi Mastercard -$4k |
Please explain the reason why you carry a large revolving credit balance. | I've had the same accounts for years but I built up debt a few years ago and higher interest rates combined with a few unexpected larger expenses have made it difficult to pay them off. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent & util - $1,250 Phone - $75 Car Insurance - $55 Food - Usually $250-400 TV+Internet - $100 Transport is under $50 because is my work is less than 3 miles away |
Which debts do you plan to pay off with this loan? | Costco Amex -$8k Chase Visa -$5k Citi Mastercard -$4k |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Loan will Cover: Visa - $5k - 17% apr - current monthly $80 Mastercard - $4k 18% apr - current monthly $65 Amex - $8k debt - 15% apr - current monthly $150 Other Reoccurring Costs: Rent: $1250 including util ($50 goes to gardening service) Car Ins: $55 Cable / Internet - $100 Phone - $75 Lendingclub - $630 |
Member Payment Dependent Notes Series 838549
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838549 |
$17,400 |
$17,400 |
18.39% |
1.00% |
August 17, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838549. Member loan 838549 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,833 / month |
Current employer: | Temple Shaaray Tefila; New York Sports | Debt-to-income ratio: | 15.36% |
Length of employment: | < 1 year | Location: | New York, NY |
Home town: | |||
Current & past employers: | Temple Shaaray Tefila; New York Sports | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/13/11 > This is for debt consolidation. I was hoping to be able to pay off cards which I needed to pay off some hefty dental/medial bills. I will paying this back well before the 5 years are up - need lower payments. Thank you for your time, consideration and hopefully your assistance.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $17,939.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 838565
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838565 |
$18,400 |
$18,400 |
20.25% |
1.00% |
August 17, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838565. Member loan 838565 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $8,500 / month |
Current employer: | The Hertz Corporation | Debt-to-income ratio: | 19.24% |
Length of employment: | 6 years | Location: | Austin, TX |
Home town: | |||
Current & past employers: | The Hertz Corporation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > Debt consolidatyion loan for credit cards. Personal debt each month would be reduced making personal debt paid off in 5 years as opposed to paying minimums on credit cards and taking longer to pay off cards.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 44 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $22,507.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The current credit card payments we are making are totalling about $680/per month with varying interest rates. Most interest rates are between 17% and 27%. My student loans will be paid off this next year. The reason for the loan is credit card payments. By doing this program, my payment per month would lower significantly and also pay off our credit in 5 years. As we all know, that can not be accomplished without paying well over your credit minimums which at this time is not possible. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The current credit card payments we are making are totalling about $680/per month with varying interest rates. Most interest rates are between 17% and 27%. My student loans will be paid off this next year. The reason for the loan is credit card payments. By doing this program, my payment per month would lower significantly and also pay off our credit in 5 years. As we all know, that can not be accomplished without paying well over your credit minimums which at this time is not possible. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I feel the information pertinent to the loan is as follows By doing the debt consolidation we would go from making payments of $697 for personal lines of credit per month to $496. Additionally, it would make us revolving debt free in 5 years as opposed to 10-20. Freeing up our ability to save and pay the loan faster with extra payments |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | We typically have living expenses and debts at $6500 and between my wife and I we make $7200/month |
Please explain the reason why you carry a large revolving credit balance. | It was not a decision to just carry a bunch of debt. As is the case with a lot fo people right now, we tried to survive the recession and ended up with debt. I am now trying to pay that debt down. |
Member Payment Dependent Notes Series 838579
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838579 |
$3,600 |
$3,600 |
11.49% |
1.00% |
August 15, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838579. Member loan 838579 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,750 / month |
Current employer: | RR Donnelley | Debt-to-income ratio: | 23.39% |
Length of employment: | 3 years | Location: | Rock Hill, SC |
Home town: | |||
Current & past employers: | RR Donnelley | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > I am moving from Charlotte, NC to Cleveland, OH for my job.
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | 39 |
Revolving Credit Balance: | $3,506.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 48.00% | Months Since Last Record: | 31 |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 838593
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838593 |
$16,000 |
$16,000 |
17.99% |
1.00% |
August 11, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838593. Member loan 838593 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,333 / month |
Current employer: | sea world parks | Debt-to-income ratio: | 17.61% |
Length of employment: | 10+ years | Location: | thonotossa, FL |
Home town: | |||
Current & past employers: | sea world parks | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > Pay off 4 credit cards and loose the high interest on them and get out of debt... Borrower added on 08/02/11 > pay off credit cards with high interest.. Thank you god... Borrower added on 08/02/11 > please help just a honest person wanting to pay off credit cards
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 46 | Months Since Last Delinquency: | 7 |
Revolving Credit Balance: | $26,676.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 91.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I do not believe if I have that it has been more then a day or so just timing. I pay all by payments and I have not fallen behind. I jsut have to many to keep up with :) that is why i am trying to get out of this.. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit cards 18-29% 741.00 a month |
Member Payment Dependent Notes Series 838648
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838648 |
$5,000 |
$5,000 |
7.49% |
1.00% |
August 15, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838648. Member loan 838648 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,060 / month |
Current employer: | Serra Manufactoring | Debt-to-income ratio: | 26.36% |
Length of employment: | 5 years | Location: | Lakewood, CA |
Home town: | |||
Current & past employers: | Serra Manufactoring | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > This loan is to refinance my truck for a lower monthly payment. It would save me $70.00 a month plus $1,000 over all in interest.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $94.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 1.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To refinance my truck loan for a lower monthly payment. |
What is your intended use for the loan proceeds? | To refinance my truck loan for a lower monthly payment. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | $1025 as of now. if I'm able to get full funding for this loan it would bring me to $955 a month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1025 as of now getting this loan would bring me to $955. |
Please explain the reason why you carry a large revolving credit balance. | The only revolving credit I have is about $300. Is that the amount your referring to? |
If you have a delinquency in the last 2 years, please explain the reason. | I've never been late or missed a payment at anytime in my life. |
Is this loan for a refinance, lease or purchase? | refinance |
What are the balances, interest rates, and monthly payments on any other auto obligations? | $12,317 with a 8.4% interest rate and a $350.00 monthly payment. |
What type of vehicle are you buying (make, model, year, mileage and condition)? | Im refinancing my 2002 ford ranger, 111200 miles and hasnt ran in two years. The person i signed for blew the engine which is why i would like a lower monthly payment for something i cant use. my credit is very important to me so a repo is not an option and it would cost more to fix it then it would to pay it off. |
Member Payment Dependent Notes Series 838669
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838669 |
$12,500 |
$12,500 |
10.59% |
1.00% |
August 15, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838669. Member loan 838669 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,000 / month |
Current employer: | Holland Motor Freight | Debt-to-income ratio: | 24.60% |
Length of employment: | 10+ years | Location: | chicago, IL |
Home town: | |||
Current & past employers: | Holland Motor Freight | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,423.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | My intention is to use the loan proceeds, to payoff my credit cards. Thank you |
What is your intended use for the loan proceeds? | My intention is to use the loan proceeds, to payoff my credit cards. Thank you |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total debt balance on credit cards, is 12,000. Interest rates vary from a high- 19.50%-to 16.50%. Monthly payments on cards total 450.00 month. I have no mortgage,student loans,or lines of credit. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Monthly housing is 400.00 month, no home equity loan, or lines of credit. Utilities run 100.00 month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total debt balance on credit cards, is 12,000. Interest rates vary from a high- 19.50%-to 16.50%. Monthly payments on cards total 450.00 month. I have no mortgage,student loans,or lines of credit. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total debt balance on credit cards, is 12,000. Interest rates vary from a high- 19.50%-to 16.50%. Monthly payments on cards total 450.00 month. I have no mortgage,student loans,or lines of credit. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 400.00, utilities, and phone 150.00- never figured out food expenses for month. |
If you have a delinquency in the last 2 years, please explain the reason. | I have no delinquency. |
Please explain the reason why you carry a large revolving credit balance. | Had some personal problems. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | this is personal to me- I have answered a number of your questions already |
Which debts do you plan to pay off with this loan? | this is personal-thankyou |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | I do not have a mortgage. |
If you have a public record on file, please briefly explain the event and its resolution. | no public record on file- |
Member Payment Dependent Notes Series 838677
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838677 |
$10,000 |
$10,000 |
6.99% |
1.00% |
August 11, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838677. Member loan 838677 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $11,917 / month |
Current employer: | Intel Corp | Debt-to-income ratio: | 0.52% |
Length of employment: | 10+ years | Location: | SAN MARTIN, CA |
Home town: | |||
Current & past employers: | Intel Corp | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > This loan is for personal family event (buy gift for wedding) Borrower added on 08/02/11 > complete loan application Borrower added on 08/02/11 > reply the email Borrower added on 08/05/11 > The loan is used to buy a gift for family event. I am not taking a profit from the gift if it can generate money. Borrower added on 08/05/11 > I did not borrowed a lots from credit card. However, I need this money to buy a gift for family member in September
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,248.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 13.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | The loan is used to buy the item in cash. The item can generate money also. |
Please provide additional details regarding the purpose of the loan | The purpose of the loan is to buy a item by paying cash. I can qualify to pay most of thing that I would like to by credit card. |
Please provide additional details regarding the purpose of the loan? | To buy car for a family member that are out of state, but I need to pay in cash. Since, I need to buy by September, I need to borrow some money beside my own. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | All expenses (morgate, credit card payment, insurance, property tax, etc.) are about 60% base income. Bonus, Profit sharing, Tax return money are extra money. |
Member Payment Dependent Notes Series 838686
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838686 |
$13,700 |
$13,700 |
16.49% |
1.00% |
August 16, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838686. Member loan 838686 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,167 / month |
Current employer: | Maritz Inc | Debt-to-income ratio: | 17.82% |
Length of employment: | 10+ years | Location: | Anaheim , CA |
Home town: | |||
Current & past employers: | Maritz Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I would like to refinance my high interest credit cards. Borrower added on 08/03/11 > I plan to use the funds to pay off high interest credit cards I am a good borrower, I have never defaulted on any loan My monthly income and job are very stable, I have been at the same company for over 10 years. Borrower added on 08/05/11 > I am a very trustworthy and responsible adult. I take my debt very seriously. I just want to pay off these high interest credit cards, so that I can have a manageable payment a month, and not have my minimum payment, just go to interest.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 20 |
Revolving Credit Balance: | $20,332.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I have not been delinquent for the past 2 years. |
If you have a delinquency in the last 2 years, please explain the reason. | I have not been delinquent for the past 2 years. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | all my credit cards payoffs minimum for the month was 748. |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Discover: Balance: 7,800: interest rate: 29.99APR: Min Monthly: 120/month Chase: Balance: 6,905: interest rate: 29.99APR: Min Monthly: 140/month BofA: Balance: 5800: interest rate: 27.00 APR: Min Monthly 120/month |
What is your intended use for the loan proceeds? | to pay off high interest credit card debt. |
What is the total balance of your credit cards, interest rates and current monthly payments? | balance of all 3 credit cards is: 20,550. Interest rates are 27.99 % to 29.99 % total minimum payments are $460 (this in the minimum total for all 3). |
Member Payment Dependent Notes Series 838691
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838691 |
$15,000 |
$15,000 |
7.49% |
1.00% |
August 11, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838691. Member loan 838691 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,750 / month |
Current employer: | NYP Holdings INC | Debt-to-income ratio: | 20.18% |
Length of employment: | 10+ years | Location: | Brooklyn, NY |
Home town: | |||
Current & past employers: | NYP Holdings INC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > This is a loan to get me out of the debt I created when I was younger. I'm now older and have reached a point where I REALLY would like to have financial freedom. I don't have creditors breathing down my neck for payments, but I'm tired of owing money to credit card companies. I want my paycheck to be for me and not them. null
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $11,199.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 37.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My rent is 600 dollars a month and that includes utilities. I have a cell phone that's about 80 dollars a month. I don't have any insurance to pay. I don't spend much on food -- 75 a month, maybe. Transportation costs are deducted from my paycheck pre-tax via transitcheck. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have a line of credit that I am paying down. It is currently at about 5100, down from 16000. the APR on that is 22.99%. I have a credit card with a balance of about 4700 with an APR of 22.24. I took a loan of 3100 against my 401k to pay down some of my other cards that has a fairly low interest rate. I also have a couple of other credit cards with smaller balances that make up the rest of my debt. Their APRs range from 15-26% |
Please explain the reason why you carry a large revolving credit balance. | Quite honestly I don't know how my balance got to be so large. I've always been able to pay at least the minimum on every account if not more. I'm looking to get everything consolidated into one bill because I will be moving in with someone soon and I would like to have just one monthly bill with one interest rate as opposed to multiple interest rates. |
What is your intended use for the loan proceeds? | I will be paying off higher interest credit cards. If it works out, I will just have this bill to pay monthly. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 600 dollars for rent which includes utilities, about 80 dollars for my cell phone bill. I don't have any insurance to pay. I am currently paying down a different loan and several credit card bills. That's why I'm trying to get this loan. it will give me one payment as opposed to several different ones. |
If you have a delinquency in the last 2 years, please explain the reason. | I don't have an delinquent accounts. I've always made my monthly payments. |
Which debts do you plan to pay off with this loan? | I plan on paying off all my debt with this loan. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I will be paying off my credit cards and a loan I took out a several years ago. All balances will be wiped clean. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | I am not paying a mortgage. |
If you have a public record on file, please briefly explain the event and its resolution. | I don't understand this question. Do you mean criminal record? |
Member Payment Dependent Notes Series 838698
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838698 |
$7,075 |
$7,075 |
5.99% |
1.00% |
August 17, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838698. Member loan 838698 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $8,000 / month |
Current employer: | The Boston Consulting Group | Debt-to-income ratio: | 11.78% |
Length of employment: | 10+ years | Location: | BOSTON, MA |
Home town: | |||
Current & past employers: | The Boston Consulting Group | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/29/11 > I am trying to pay off credit debt at a better rate and in a shorter amount of time. Borrower added on 07/29/11 > I am trying to pay off credit debt at a better rate and in a shorter amount of time.
A credit bureau reported the following information about this borrower member on July 11, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $25,357.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 45.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | I intend to pay off the majority of my balance on one credit card which carries an 11.9% interest rate with this loan. Will allow me to pay it off in three years at a lower rate. The monthly payment for this loan would match the minimum payment on the card so it makes a big difference in terms of time to pay it off and interest. |
Member Payment Dependent Notes Series 838700
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838700 |
$12,000 |
$12,000 |
11.49% |
1.00% |
August 17, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838700. Member loan 838700 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,600 / month |
Current employer: | Brawdy Construction,Inc. | Debt-to-income ratio: | 10.57% |
Length of employment: | 10+ years | Location: | cheektowaga, NY |
Home town: | |||
Current & past employers: | Brawdy Construction,Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > I am a good borrower cause i have never been late or have missed a payment on anything i take pride in trying to keep a very good credit score THANK YOU for your time and consideration
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,652.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 26.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | mortgage payment is 700 a month including property taxes insurance about 100 a month |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | paying off a medical loan and higher interest credit cards off |
What is your intended use for the loan proceeds? | to payoff medical bills and higher interest credit card which will reduce my monthly payments |
Member Payment Dependent Notes Series 838725
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838725 |
$20,000 |
$20,000 |
19.69% |
1.00% |
August 17, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838725. Member loan 838725 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $10,000 / month |
Current employer: | starwood hotels & resorts | Debt-to-income ratio: | 8.81% |
Length of employment: | 6 years | Location: | La Quinta, CA |
Home town: | |||
Current & past employers: | starwood hotels & resorts | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > thanks Borrower added on 08/03/11 > paying off my credit card high interest debt.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | 32 |
Revolving Credit Balance: | $12,491.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 93.90% | Months Since Last Record: | 115 |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My curent monthly expenses are$ 1,760. |
If you have a public record on file, please briefly explain the event and its resolution. | can you please be clear about your question. |
Please explain the reason why you carry a large revolving credit balance. | I hardly have any debts beside my credit cards. |
Member Payment Dependent Notes Series 838755
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838755 |
$3,600 |
$3,600 |
5.99% |
1.00% |
August 11, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838755. Member loan 838755 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,667 / month |
Current employer: | Tufts Health Plan | Debt-to-income ratio: | 2.69% |
Length of employment: | 3 years | Location: | Charlestown, MA |
Home town: | |||
Current & past employers: | Tufts Health Plan | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > Looking to pay off high interest credit card through this loan. I consistently pay my bills on time and have stable employment in Health Care Finance. Thanks for your consideration!
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 47 |
Revolving Credit Balance: | $8,143.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 17.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | Credit card with higher apr |
Member Payment Dependent Notes Series 838763
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838763 |
$15,000 |
$15,000 |
13.99% |
1.00% |
August 10, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838763. Member loan 838763 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,000 / month |
Current employer: | Rapid IT Inc | Debt-to-income ratio: | 5.24% |
Length of employment: | 6 years | Location: | Harrisburg, PA |
Home town: | |||
Current & past employers: | Rapid IT Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I would like to consolidate all my debts, I appreciate everyone who is investing on my account. Thanks in advance. null Borrower added on 08/08/11 > I have to have the debts consolidated to avoid accumulations, please consider your fundings, appreciate it most. Thanks everyone.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | 11 |
Revolving Credit Balance: | $13,768.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 54.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I do not have a delinquency in the last 2 yrs. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Target Visa Card: Debt: 5500, LOC:6000 DCU Visa Card: Debt: 7500, LOC: 7500 Discover Card: Debt: 3000, LOC: 3000 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses are $2500/- |
Member Payment Dependent Notes Series 838798
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838798 |
$4,000 |
$4,000 |
11.49% |
1.00% |
August 10, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838798. Member loan 838798 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,800 / month |
Current employer: | Emerald Heights | Debt-to-income ratio: | 12.21% |
Length of employment: | < 1 year | Location: | redmond, WA |
Home town: | |||
Current & past employers: | Emerald Heights | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > I am using this loan to purchase a folding electric bicycle to travel to and from school/work. I spend $240 a month on gas. The buses do not run early enough to arrive at school on time. The electric capability will allow me to travel up a couple of steep hills on my route and move me along faster while I pedal. The bicycle's folding capability will allow me to bring it into the classroom to avoid theft, and let me recharge the battery for my return trips. I will also need to buy a carrying case to store the bike in. The trip to school is about 25 miles by car and 35-40 minutes. The trip by bike is 18 miles, 16 miles are on dedicated bike trails. This will save me at least $180 a month in fuel costs.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | 81 |
Revolving Credit Balance: | $857.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 94.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I am buying an electric bicycle to combine with public transportation to get from point A to B in a timely and efficient manner. There are many hills in the area and an electric bike will make them manageable. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I pay $875 for rent in a small renovated basement MIL apartment which includes water, electricity, cable, garbage, and extremely low ceilings. I spend $240 for gas. $100 a month to pay 2 store credit cards ($780 balance). $300 for groceries. $100-200 (variable) for entertainment, and $200 for miscellaneous including co-pays, clothing, etc. My cell phone, health/dental/car insurance are paid for me. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I pay $875 for rent in a small renovated basement MIL apartment which includes water, electricity, cable, garbage, and extremely low ceilings. I spend $240 for gas. $100 a month to pay 2 store credit cards ($780 balance). $300 for groceries. $100-200 (variable) for entertainment, and $200 for miscellaneous including co-pays, clothing, etc. My cell phone, health/dental/car insurance are paid for me. |
Member Payment Dependent Notes Series 838810
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838810 |
$3,200 |
$3,200 |
11.99% |
1.00% |
August 17, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838810. Member loan 838810 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,800 / month |
Current employer: | Book Factory LLC | Debt-to-income ratio: | 14.68% |
Length of employment: | 4 years | Location: | Brookville, OH |
Home town: | |||
Current & past employers: | Book Factory LLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | 34 |
Revolving Credit Balance: | $2,829.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 91.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 838830
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838830 |
$12,000 |
$12,000 |
10.99% |
1.00% |
August 16, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838830. Member loan 838830 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,750 / month |
Current employer: | Friendfinder Networks | Debt-to-income ratio: | 9.86% |
Length of employment: | 9 years | Location: | Oakland, CA |
Home town: | |||
Current & past employers: | Friendfinder Networks | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > Use funds to pay off all outstanding credit card debt, so I can focus on paying down mortgage and start saving more money.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $94,473.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 71.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Most of the revolving debt (approx. $80k) is the 2nd mortgage or HELOC I used to purchase my home. The remaining $14k is credit card debt I will be paying off with this loan. I just want to stop wasting money on high interest rates and get those clear so I can start paying more on my house. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards - Card 1 has a balance of $2400 with a rate of 30.24%. Monthly payment on this is $400. Card 2 has a balance of $5100 with a rate of 12.99%. Monthly payment on this is $215. Card 3 has a balance of $3600 with a rate of 29.99%. Monthly payment on this is $325. Card 4 has a balance of $900 with a rate of 19.99%. Monthly payment on this is $226. Card 5 has a balance of $1900 with a rate of 21.99%. Monthly payment on this is $100. Student Loans Balance of $1100 with a monthly payment of $60. Rate on this is 7.125%. Mortgages Balance of $328,394.65 with a rate of 2.625%. Monthly payment on this is $1100. Lines of credit HELOC has a balance of $79,800 with a rate of 5.875%. Monthly payment on this is $500. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | 1st mortgage is $1000 a month. 2nd mortgage (HELOC) is $400 a month. HOA is $300 a month. Property tax is $400 a month. |
Member Payment Dependent Notes Series 838834
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838834 |
$5,000 |
$5,000 |
11.49% |
1.00% |
August 16, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838834. Member loan 838834 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,000 / month |
Current employer: | precise construction | Debt-to-income ratio: | 1.63% |
Length of employment: | 1 year | Location: | woodside, NY |
Home town: | |||
Current & past employers: | precise construction | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > Loan is for a small construction machine, that my company is going to hire off me, as I am working on the same job Borrower added on 08/04/11 > good investment, should have it's value every back 2 months
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 4 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,933.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 46.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1800 |
What is your intended use for the loan proceeds? | Small construction equipment that I can use to make extra money while being on the same job |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Just using it for one thing |
Member Payment Dependent Notes Series 838845
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838845 |
$5,000 |
$5,000 |
5.42% |
1.00% |
August 11, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838845. Member loan 838845 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,667 / month |
Current employer: | Agilent Technologies | Debt-to-income ratio: | 15.00% |
Length of employment: | 7 years | Location: | concord, CA |
Home town: | |||
Current & past employers: | Agilent Technologies | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I plan to consoilidate credit card accounts, other debt accounts on my credit report, pay hospital charges, and pay PG&E bill. null Borrower added on 08/09/11 > I have been employed full time by the same company for 7 years. I am hoping this loan will help me obtain my goal of better financial management by consolidating debt.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,010.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 23.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I intend to use the loan to consolidate my credit cards, my hospital charges, and other accounts on my credit report. I will also use the loan that I would receive to catch up on regular bill payments for this month due to having to take time off to have a baby. I have been trying very hard to clean up my credit report over the last 10 years and this loan would help me achieve my goal while keeping current with present bills. I am the sole provider for my family at this time and need a little financial help to stay on track. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My monthly expenses are roughly 2000.00 which include rent, utilities, insurance and storage. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses are 2000.00 for utilities, rent, insurance, storage, health insurance, ect plus 525.00 for transportation, phone, and food. |
What is your intended use for the loan proceeds? | I intend to use the loan proceeds to consolildate my credit card and other debt that I currently have plus catch up on current bills. |
Member Payment Dependent Notes Series 838847
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838847 |
$6,000 |
$6,000 |
10.99% |
1.00% |
August 12, 2011 |
August 18, 2016 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838847. Member loan 838847 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,260 / month |
Current employer: | TMR Engineering | Debt-to-income ratio: | 8.27% |
Length of employment: | 2 years | Location: | springfield, VA |
Home town: | |||
Current & past employers: | TMR Engineering | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $132.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 1.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
How are you paying for other wedding expenses not covered by this loan? | I have savings that will cover most of the wedding expenses. This loan will be mostly used for some unexpected expenses in addition to some wedding costs. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | my current monthly expenses is about 40-45% of my monthly salary. |
Member Payment Dependent Notes Series 838861
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838861 |
$3,000 |
$3,000 |
11.49% |
1.00% |
August 11, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838861. Member loan 838861 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $2,300 / month |
Current employer: | n/a | Debt-to-income ratio: | 22.26% |
Length of employment: | 1 year | Location: | Faith, SD |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > Working on the family cattle ranch, self employed with no future of being layed off :) My atv is on its last legs and we use them daily as a way to check fence lines, water lines, get to the hay field, etc. Sure saves on the pickups and fuel costs, so I'd like to get a nice used one as quickly as possible. I have NEVER not paid on a loan, I pay over when I can because I like to get debt taken care of quickly. Thank you to all that have invested and will invest, I appreciate it!!
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,742.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 838863
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838863 |
$2,500 |
$2,500 |
9.99% |
1.00% |
August 16, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838863. Member loan 838863 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,500 / month |
Current employer: | duro dag | Debt-to-income ratio: | 14.51% |
Length of employment: | 7 years | Location: | florence, KY |
Home town: | |||
Current & past employers: | duro dag | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,736.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 45.50% | Months Since Last Record: | 97 |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 838882
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838882 |
$13,250 |
$13,250 |
15.62% |
1.00% |
August 10, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838882. Member loan 838882 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,333 / month |
Current employer: | stanley contracting | Debt-to-income ratio: | 20.85% |
Length of employment: | 10+ years | Location: | seaside park, NJ |
Home town: | |||
Current & past employers: | stanley contracting | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > pay off car pay down credit cards,i pride myself in paying all bills on time ,my budget is tight ,my job is very stable
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,917.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | car 4500 ,300 monthly payment,rent 850,citi credit card 4400 ,13.87%,125 month,td credit card 2300,14.24% 100 month,td loan 1925, 12.24% 158 month,bank of america card 1500,14.74% 100 month,slate card 600,11.99% 50 month, phone 106 month,gas 140 month |
Which debts do you plan to pay off with this loan? | my car 4500, citi credit card 4400 and td bank loan 1925 all three paid off will free up 650 dollars a month and also my car insurance will be less because i would own car |
What is your intended use for the loan proceeds? | payoff car 4500 citi credit card 4400 td bank loan 1975 pay all three in full and make life alot better |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Pay off car loan 4500 saving 300 month... pay citi card 4400 saving 175 month and paying td bank loan. 1925 saving 175 paying all three in full and also my car insurance would drop 50 a month because I would own car ..this would free up 700 dollars monthly |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 850 rent , credit cards 500 , cable,phone, internet 146 , cell phone 106 , car insurance 125 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent 850 , car 300 ,, utilities 200,, phone106,, insurance 125 , food 400 , credit cards 400 ,, with loan i will have flexibility ,, thank you |
If you have a delinquency in the last 2 years, please explain the reason. | no i have never had a delinquency i pay bills on time |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | rent 850 ,, utilities 200 |
Member Payment Dependent Notes Series 838929
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838929 |
$7,700 |
$7,700 |
5.99% |
1.00% |
August 17, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838929. Member loan 838929 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,950 / month |
Current employer: | n/a | Debt-to-income ratio: | 23.64% |
Length of employment: | n/a | Location: | Forest Hill, MD |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I plan on using my loan to buy my fiancée an engagement ring. I’m a good borrower because I’ve never missed a payment, my monthly expenses are low, and I am a healthcare worker for the U.S. Department of Veterans Affairs.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,013.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 26.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What portion of your wedding expenses does this loan represent? | This loan will cover my fianc??e's engagement ring and wedding band only. |
How are you paying for other wedding expenses not covered by this loan? | All other wedding expenses, minus the rehersal dinner which is being paid for by my mother, are being covered by the bride's family. |
Member Payment Dependent Notes Series 838945
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838945 |
$8,000 |
$8,000 |
11.49% |
1.00% |
August 15, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838945. Member loan 838945 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,400 / month |
Current employer: | Paul Revere Transportation | Debt-to-income ratio: | 9.25% |
Length of employment: | 6 years | Location: | Dorchester, MA |
Home town: | |||
Current & past employers: | Paul Revere Transportation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I am happy that I get approve for the loan that I need for my family vacation. I, thank you very much Borrower added on 08/02/11 > Thank you Borrower added on 08/05/11 > I am a good borrower because I make my payment in the alotted time. one example is that I had a car loan and I paid it off in a year. I will pay off this amount off in less than three years. Borrower added on 08/06/11 > I am a good borrower because I like to keep up my credit score so in the future I don't have a problem applying for more loans.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,083.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 28.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please provide general details of the cost of your vacation. | I have a family of 4 and the tickets are already $3000.00 and other expenses like shopping for the kids are very expenses. My vacation cost will be even more than that because I have to bring stuff for the rest of my family plus food which is now the biggest expenses. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Now I can say my monthly expenses for rent, utilities, phone, and insurance cost$1561.00 but food is vary. |
What is your intended use for the loan proceeds? | My intention is to take my family on vacation because it's been a while since we've been on vacation. |
Member Payment Dependent Notes Series 838948
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838948 |
$5,600 |
$5,600 |
7.49% |
1.00% |
August 17, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838948. Member loan 838948 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,500 / month |
Current employer: | US Army | Debt-to-income ratio: | 22.57% |
Length of employment: | 6 years | Location: | sylmar, CA |
Home town: | |||
Current & past employers: | US Army | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > i plan on consolidating my bills, i am in the military so i am stable and have never missed a payment on anything. my payment is 174.00$ a month and my budget is 2000$ a month so thanks for making it convenent for me.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | 3 |
Revolving Credit Balance: | $10,325.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 838960
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838960 |
$3,000 |
$3,000 |
8.49% |
1.00% |
August 10, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838960. Member loan 838960 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,167 / month |
Current employer: | CentrAlert | Debt-to-income ratio: | 12.84% |
Length of employment: | 1 year | Location: | Issaquah, WA |
Home town: | |||
Current & past employers: | CentrAlert | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > Jeep Loan 2011 Borrower added on 08/03/11 > Just moved across the country for the company I work for and I need to find some personal transportation. I found a nice reliable vehicle to get around in, just need a small loan to go ahead and purchase it. null
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,532.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 838966
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838966 |
$13,000 |
$13,000 |
10.99% |
1.00% |
August 16, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838966. Member loan 838966 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,333 / month |
Current employer: | SYSTEL BUSINESS EQUIPMENT CO. INC | Debt-to-income ratio: | 16.38% |
Length of employment: | 9 years | Location: | HOLDEN BEACH, NC |
Home town: | |||
Current & past employers: | SYSTEL BUSINESS EQUIPMENT CO. INC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > I plan to pay off two higher interest credit cards with this loan. I have good credit because I always pay all my bills on time. I have a long history of using credit with no defaults...(mortgage, car loans, personal loans, and credit cards). My ability to pay my bills is because my job is secure, and the company I work for is strong, and growing. I really tightened up my budget about two years ago, cutting wastefull spending, and watching where every dollar goes, and my car is also paid off. Thank-you for your support, and consideration.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $17,430.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 67.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is the total balance of your credit cards, interest rates and current monthly payments? | Card 1 balance $3600.00 rate @19.99 payment $150.00. Card 2 balance $8200.00 rate @ 25.24 payment $275.00 |
What is your intended use for the loan proceeds? | I plan to pay off two higher interest credit cards. My ultimate goal is to have zero debt in three years. Thank-you for your consideration. |
Member Payment Dependent Notes Series 838974
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838974 |
$10,000 |
$10,000 |
7.49% |
1.00% |
August 17, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838974. Member loan 838974 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,417 / month |
Current employer: | JP Morgan Chase | Debt-to-income ratio: | 17.50% |
Length of employment: | 5 years | Location: | Stanhope, NJ |
Home town: | |||
Current & past employers: | JP Morgan Chase | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I plan to pay off my credit cards so that I can comfortably finish school. I do not have any school loans because I am enrolled in an inexpesive online school. A few months ago I took in my friends cat that was very ill and spent about $3000 making her well. About the same time my car broke down and I needed to get another one so I had to out that on my credit card too. I would like to replenish my emergency savings. I have a good job, but I don't make too much and I still live with my parents. I have never missed a payment on any of my bills or made any late payments.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,696.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 37.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 838981
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838981 |
$10,000 |
$10,000 |
15.99% |
1.00% |
August 16, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838981. Member loan 838981 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,833 / month |
Current employer: | Lane County Oregon | Debt-to-income ratio: | 17.77% |
Length of employment: | 5 years | Location: | Eugene, OR |
Home town: | |||
Current & past employers: | Lane County Oregon | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > Basic consolidation of a couple credit cards, taxes owed and one used car loan. This will also help me for a future planned vacation. null
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $83,589.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 82.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I pay mortgages on 2 homes = $2,800 and $100 used car loan(step daughter's). This leaves me with around $2000 cash every month between salary and rental income. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Total mortgages and HELOC = $2,850 and $50 to a Credit Union line of credit. Those are all the expenses I cover in our household. I have the credit cards and vary what I pay on those, plus an unexpected need to pay $4,000 in taxes for 2010 and paying $5,000 in estimated taxes for 2011. This is for a converted trad IRA to a Roth. I have $2,000 in cash after expences per month. |
Member Payment Dependent Notes Series 838983
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838983 |
$3,600 |
$3,600 |
17.49% |
1.00% |
August 11, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838983. Member loan 838983 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,800 / month |
Current employer: | n/a | Debt-to-income ratio: | 4.08% |
Length of employment: | 4 years | Location: | Clinton , MD |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 27 |
Revolving Credit Balance: | $480.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 96.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Will some or all of your moving expenses be reimbursed, if so how much? | The company I have accepted a position with does offer a relocation package that will cover 50% of my moving expenses and will be included in my first check. Total cost of the cross country move should total about $3000, the remainder of the loan I have requested will afford me a small cushion until I can establish a more sustainable nest egg in the new city . |
Will some or all of your moving expenses be reimbursed, if so how much? | The company I have accepted a position with does offer a relocation package that will cover 50% of my moving expenses and will be included in my first check. Total cost of the cross country move should total about $3000, the remainder of the loan I have requested will afford me a small cushion until I can establish a more sustainable nest egg in the new city . |
Can you specify which relocation expenses you are covering with this loan, and which other expenses you are paying out of pocket? | The company I have accepted a position with does offer a relocation package but it will only cover 50% of my expenses and will be included in my first check. This loan will allow me to cover the upfront costs: cross country movers, lease termination, and securing a new lease. It It will also afford me a small cushion to rest on until establishing a nest egg in the new city. |
Member Payment Dependent Notes Series 838987
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838987 |
$25,000 |
$25,000 |
18.79% |
1.00% |
August 17, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838987. Member loan 838987 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,500 / month |
Current employer: | Chicago Board Options Exchange | Debt-to-income ratio: | 3.63% |
Length of employment: | 10+ years | Location: | Chicago, IL |
Home town: | |||
Current & past employers: | Chicago Board Options Exchange | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > The Loan proceeds will be used to expand a successful neighborhood pub/bar that has been in business for more than 3 years. We are expanding, because our clientele has grown and we need to re-configure the layout and design to accommodate more people. This is the only loan applied for and 80% of the remodel is financed with procceds from the business. Our budget for the monthly payments on this loan is $800 over a five year period.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 3 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | 11 |
Revolving Credit Balance: | $3,708.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 21.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What type of business are you starting? | Bar with live music. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Our monthly expenses are usually between 12-15K and our receipts are 26-30K monthly. |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquencies in the past 3 yrs and the business has been operating for 3yrs. |
Please describe your experience/familiarity with the business you are starting/started? | We have over 20 yrs experience in this business. |
Member Payment Dependent Notes Series 838989
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
838989 |
$20,000 |
$20,000 |
16.49% |
1.00% |
August 17, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 838989. Member loan 838989 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,800 / month |
Current employer: | Time Warner Cable | Debt-to-income ratio: | 16.13% |
Length of employment: | 6 years | Location: | Brooklyn, NY |
Home town: | |||
Current & past employers: | Time Warner Cable | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > If received I will use the loan to consolidate the rest of my credit card debt and unsecured loans as well as do some home improvement. I've always paid my bills on time and have never been late or missed any payments. I have very stable job at Time Warner Cable and have been working there for the last 6+ years. If received I have anticipated and am ready to include in my budget paying between $125 to $200 per week on this loan. Thank you. null
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,748.00 | Public Records On File: | 2 |
Revolving Line Utilization: | 20.80% | Months Since Last Record: | 44 |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a public record on file, please briefly explain the event and its resolution. | The public record on file is the result of a bill that I wasn't aware of going into collections in 2007. Once I became aware of the debt on my credit report in 2009, I immediately paid it off and tried to have it removed. The credit companies said even though I paid the debt I would still have to wait 7 years before the record can be removed. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My monthly expenses related to housing are: Rent $450/month, which is my half. Utilities including cell phone, cable, ConEd, keyspan etc. is on average $400 - $500/month. Lines of credit, around $300 - $500/month. Insurance is $335/month. Hope this helps. Thank you. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My credit card debt balances total approximately $4,750.00 with and interest rate of about 21% collectively. Lines and loans together are $12,000 at 17%. Credit card debt is in 6 different cards and lines and loans are from 2 different institutions. I'm really hoping to consolidate and eliminate. Thank you. |
Member Payment Dependent Notes Series 839002
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839002 |
$26,000 |
$26,000 |
10.99% |
1.00% |
August 17, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839002. Member loan 839002 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,333 / month |
Current employer: | DBL Labs | Debt-to-income ratio: | 15.16% |
Length of employment: | 5 years | Location: | Osakis, MN |
Home town: | |||
Current & past employers: | DBL Labs | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I will use the funds to pay down other debt that has higher interest rates. I am a good prospect because I have the ability to pay my bills as they stand and my credit report will show that. As for my profession, I work in the optical field which like all medical fields has had continual growth for years and my spouse is also in the medical field as a nurse. My budget is well aided by the fact that our rent of our house is only the tax payment on the property we live on. Thank you for your time and interest.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $25,913.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Prior to the last couple of years I purchased two vehicles, I did some updates to my home to make it more efficient, and proceeded to have two children. This seemed prudent at the time due to the fact that my interest rates were typically around the 10% mark however my credit cards have increased my rates and I feel it is necessary to get my debt to a more stable interest level. I have not made any large increases or decreases in our debt in two years and I have a goal of eliminating it totally. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Right around $785. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My only rent is $200 a month (We are living in a house owned by my father in law) and that is basically to cover the taxes. Utilities are $200 for electric. We are rural so there is no sewer or water. Garbage is $20 a month. $30 for dish network and $60 for phone and internet $30 for cell (mine is provided by work). I pay $85 a month for insurance on my vehicles. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Monthly: Rent: $200 Transportation: $400 Utilities: $200-300 (summer to winter) Phone ??? Cell ??? Internet: $90 Insurance: $65 Food: $600 Clothing- cleaners- other items $200. |
What is the total balance of your credit cards, interest rates and current monthly payments? | Card Amount Interest Rate Payment Visa 13,760 19.85 385.00 Direct Loan 5,500 10.50 96.50 Discover 5,756 27.99 200.00 Chase 2,221 26.24 55.00 Total 27,237 733.00 |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Card Amount Interest Rate Payment Visa 13,760 19.85 385.00 Direct Loan 5,500 10.50 96.50 Discover 5,756 27.99 200.00 Chase 2,221 26.24 55.00 |
Member Payment Dependent Notes Series 839036
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839036 |
$2,200 |
$2,200 |
8.49% |
1.00% |
August 15, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839036. Member loan 839036 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,333 / month |
Current employer: | Michelin North America | Debt-to-income ratio: | 19.23% |
Length of employment: | 3 years | Location: | TAYLORS, SC |
Home town: | |||
Current & past employers: | Michelin North America | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > I'm consolidating a couple of higher interest credit cards that I intend on closing.
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,987.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 66.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 839042
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839042 |
$3,000 |
$3,000 |
12.99% |
1.00% |
August 15, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839042. Member loan 839042 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,583 / month |
Current employer: | Hyatt Residential Group | Debt-to-income ratio: | 6.07% |
Length of employment: | 6 years | Location: | Estero, FL |
Home town: | |||
Current & past employers: | Hyatt Residential Group | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > The loan I receive will be used to add a solar thermal and PV system to nearly eliminate my house hold electric bill. The Solar Thermal system will be used to replace the hot water heater, and replace the failing air conditioning system with a single effect absorption chiller for true solar powered cooling and heating. The solar PV system will be used to generate enough electricity to offset 90% of the remaining power bill with pre-wiring installed for the latter addition of battery storage of excess electricity to provide power through night time hours.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $400.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 3.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Is the improvement to your primary residence or an investment property? | Primary |
Member Payment Dependent Notes Series 839131
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839131 |
$3,000 |
$3,000 |
13.49% |
1.00% |
August 10, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839131. Member loan 839131 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,800 / month |
Current employer: | My Legal Docs | Debt-to-income ratio: | 18.94% |
Length of employment: | 2 years | Location: | Redondo Beach, CA |
Home town: | |||
Current & past employers: | My Legal Docs | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > I have worked at the same job for the last 2 1/2 years. I am using the money to help pay for my sisters surgery. I never been late on any payments. I am just in need of the funds to help since medical insurance does not cover everything.
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 5 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,686.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I am carrying that because I put some of my sister's expenses on my credit card recently. |
Member Payment Dependent Notes Series 839167
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839167 |
$10,000 |
$10,000 |
16.89% |
1.00% |
August 15, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839167. Member loan 839167 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,000 / month |
Current employer: | Clinical Computer Systems Inc | Debt-to-income ratio: | 14.82% |
Length of employment: | < 1 year | Location: | HOFFMAN ESTATES, IL |
Home town: | |||
Current & past employers: | Clinical Computer Systems Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > Thank you for taking interest in funding my loan. I will be using the money to pay down my credit cards and some other unforeseen expenses. Recently I changed jobs, and due to this, my family racked up some bills that I couldn't pay down right away. I have excellent credit, and have always paid my bills on time. We're just in a tight spot for a couple of months until we can catch back up.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | 67 |
Revolving Credit Balance: | $6,199.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage w/escrow - $1100 Utilities (Gas, Electric, Water, Phone, Cable) - $400 Auto Loan- $500 Food - $500 Transportation (Fuel, Maintenance, etc) - $400 |
Which debts do you plan to pay off with this loan? | Mastercard - $2600 Discover Card - $3400 Oral Surgery - $2000 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mastercard - $2600 29.99% $100/mo min Discover Card - $3400 21.99% $50/mo min Mortgage - $145,000 5% $1100/mo w/escrow Auto Loan - $24,000 9.5% $500/mo Student Loan - $38,000 6% in deferment |
Member Payment Dependent Notes Series 839205
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839205 |
$21,000 |
$21,000 |
13.49% |
1.00% |
August 11, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839205. Member loan 839205 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,000 / month |
Current employer: | Volvo Parts NA | Debt-to-income ratio: | 20.47% |
Length of employment: | 10+ years | Location: | Lewis Center, OH |
Home town: | |||
Current & past employers: | Volvo Parts NA | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 21 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 40 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $79,723.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 85.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | Credit cards that are carrying higher interest rates. |
What is your intended use for the loan proceeds? | Debt consolidation of high rate credit cards. The remainder of the credit card debt is at a low rate 6.99% and lower. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | p&i $991.98 ins & taxes $506.82 |
Which debts do you plan to pay off with this loan? | Credit cards that are carrying higher interest rates. |
Member Payment Dependent Notes Series 839210
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839210 |
$2,800 |
$2,800 |
10.99% |
1.00% |
August 10, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839210. Member loan 839210 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,120 / month |
Current employer: | the ohio state university medical center | Debt-to-income ratio: | 2.79% |
Length of employment: | 7 years | Location: | COLUMBUS, OH |
Home town: | |||
Current & past employers: | the ohio state university medical center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > wedding funding
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | 44 |
Revolving Credit Balance: | $1,325.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 88.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | around $840 |
Please provide additional details regarding the purpose of the loan | funding for catering, venue and supplies |
Member Payment Dependent Notes Series 839232
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839232 |
$8,000 |
$8,000 |
5.99% |
1.00% |
August 16, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839232. Member loan 839232 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,628 / month |
Current employer: | El Centro Post Office | Debt-to-income ratio: | 27.88% |
Length of employment: | 10+ years | Location: | El Centro, CA |
Home town: | |||
Current & past employers: | El Centro Post Office | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1985 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $64,371.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 58.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 839265
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839265 |
$14,075 |
$14,075 |
10.59% |
1.00% |
August 17, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839265. Member loan 839265 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,417 / month |
Current employer: | Town of Warrenton | Debt-to-income ratio: | 22.08% |
Length of employment: | 4 years | Location: | Winchester, VA |
Home town: | |||
Current & past employers: | Town of Warrenton | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > Excellent credit score, stable job (4 years) need loan to consolidate high interest credit cards and medical expenses null Borrower added on 08/05/11 > Homeowner since 2001, employed by local government. I have been doing this type of work since 1999. My plan is to be completely debt free at the end of the loan term and getting rid of high interest loans means more money will go towards the principal.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,323.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 23.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage $1360.00, no other home equity loans or lines of credit |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Personal loan $8300.00, ($293.00) Credit card 1 $3500.00 (110.00) , Credit card 2 $4500 ($65.00), Federal Tax for 2010 $1400 (50.00) ( currently on a payment plan) store credit card 1 , $380 (15.00) store credit card 2 $ 450 (25.00) , medical bill $375.00 |
Which debts do you plan to pay off with this loan? | Personal loan, credit card 1, IRS, and medical bill |
What is your intended use for the loan proceeds? | I intend to pay off high interest credit cards and consolidate debt. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $1360, car payment $460, insurance $61. |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquencies. Ever. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | It depends if this loan is fully funded. I intend to pay off a credit card $3500, a medical bill $375, 2010 federal taxes $1400 (making monthly payments on) and pay off a personal loan $8000. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | The monthly mortgage amount includes all taxes and insurance. |
Member Payment Dependent Notes Series 839303
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839303 |
$3,975 |
$3,975 |
10.99% |
1.00% |
August 10, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839303. Member loan 839303 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,167 / month |
Current employer: | American Medical Response | Debt-to-income ratio: | 20.83% |
Length of employment: | 2 years | Location: | Murrieta, CA |
Home town: | |||
Current & past employers: | American Medical Response | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
To consolidate $600/ credit payment, and so I can focus on school.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,839.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My balance should be shown in my profile. 3 of the credit cards I have, the interest is 17.24%, 22%, and 23%. I am trying to consolidate those, plus I have one that is 8% but monthly payment on that one is higher, so I am trying to lower my rate and get monthly payments down overall. My student loan is at 2-3% so I am leaving that alone. My part of the mortgage is only $500/month, my partner manages the rest. I have vehicle payments also, insurance, phone, etc. I am attending school working full time; I am working alot of overtime to manage those high credit cards, which is about $600/mo, and this loan would bring it down to $130/mo. If you have further questions, feel free to ask. Thank you. |
Please explain the reason why you carry a large revolving credit balance. | I used to do amateur road race with a motorcycle and when I crashed, I did not expect the costs of repair and therefore had to sell off what remained of my racebike, and in order to provide a pink slip, I had to transfer the funds from factory loan to a credit card, because I did not have the funds to pay in full. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My balance should be shown in my profile. 3 of the credit cards I have, the interest is 17.24%, 22%, and 23%. I am trying to consolidate those, plus I have one that is 8% but monthly payment on that one is higher, so I am trying to lower my rate and get monthly payments down overall. My student loan is at 2-3% so I am leaving that alone. My part of the mortgage is only $500/month, my partner manages the rest. I have vehicle payments also, insurance, phone, etc. I am attending school working full time; I am working alot of overtime to manage those high credit cards, which is about $600/mo, and this loan would bring it down to $130/mo. If you have further questions, feel free to ask. Thank you. |
Member Payment Dependent Notes Series 839315
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839315 |
$18,000 |
$18,000 |
9.99% |
1.00% |
August 17, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839315. Member loan 839315 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $7,167 / month |
Current employer: | BNSF Railway Co | Debt-to-income ratio: | 11.56% |
Length of employment: | 5 years | Location: | Haltom City, TX |
Home town: | |||
Current & past employers: | BNSF Railway Co | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > This loan will be used to consolidate household credit card debt and an existing installment loan into a lower-rate, single payment.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,976.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 4.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My debt consists of: Mortgage (rate: 5.6%, bal: $137k, monthly pmt: $1300) Installment loan (rate: 8.0%, bal: $5k, monthly pmt: $200) |
Which debts do you plan to pay off with this loan? | $5000 to pay off existing installment loan, remaining ~12k to pay off credit card balances outstanding |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My debt consists of: Mortgage (rate: 5.6%, bal: $137k, monthly pmt: $1300) Installment loan (rate: 8.0%, bal: $5k, monthly pmt: $200) |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | $5000 to pay off existing installment loan, remaining ~12k to pay off credit card balances outstanding |
What is your intended use for the loan proceeds? | $5000 to pay off existing installment loan, remaining ~12k to pay off credit card balances outstanding |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortage: 1300 (includes taxes and insurance) Utiliites: Average 400/month |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Mortage: 1300 (includes taxes and insurance) Utiliites: Average 400/month |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortage: 1300 (includes taxes and insurance) Utiliites: Average 400/month Additional monthly expenses: ~700 per month Monthly income: 7100 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortage: 1300 (includes taxes and insurance) Utiliites: Average 400/month Everything else: ~$700/month |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquencies ever. Thank you. |
If you have a public record on file, please briefly explain the event and its resolution. | I have not. |
Please explain the reason why you carry a large revolving credit balance. | I'm still carrying debt from when I was in college. I've been paying it down as I can, it's time for one, fixed payment and lower rates. Thanks. |
Member Payment Dependent Notes Series 839321
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839321 |
$4,400 |
$4,400 |
11.49% |
1.00% |
August 10, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839321. Member loan 839321 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,667 / month |
Current employer: | Dollar Bay Schools | Debt-to-income ratio: | 22.95% |
Length of employment: | 6 years | Location: | lake linden, MI |
Home town: | |||
Current & past employers: | Dollar Bay Schools | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrowing to finance an unexpected increase in property tax. I have a good credit rating, and have never been late in making payments. The funds will be used to pay property taxes on an investment property recently purchased where I overlooked the fact that I wouldn't receive the "homestead exemption". Now that I am aware of what to plan for, I will be able to budget accordingly for future tax expenses. Thank you for your help!
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 48 | Months Since Last Delinquency: | 14 |
Revolving Credit Balance: | $61,904.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 72.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 839338
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839338 |
$35,000 |
$35,000 |
10.59% |
1.00% |
August 17, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839338. Member loan 839338 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,167 / month |
Current employer: | LANDRYS RESTAURANTS INC | Debt-to-income ratio: | 1.63% |
Length of employment: | 6 years | Location: | Spring, TX |
Home town: | |||
Current & past employers: | LANDRYS RESTAURANTS INC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,044.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 4.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | The loan will be a part of a funding package for a start up restaurant business. |
What type of business are you starting? | This will be upscale restaurant and catering. |
Please describe your experience/familiarity with the business you are starting/started? | I have been in the culinary field for over 27 years and the last 11 years have been as an Executive Chef. |
Can you provide some high level financials on the monthly costs / revenue of your business? | Stated revenue will be $1.21 mil the 1st year with an annual projected growth of 9% over the next 5 years. |
What is your intended use for the loan proceeds? | The loan will be a part of a funding package for a start up restaurant business. |
What is your intended use for the loan proceeds? | The loan will be a part of a funding package for a start up restaurant business. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Approximately$5400.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $5400, household expence |
What do you project your monthly expenses for the first 6 months of your business? | Operating expenses ffor the unit are projected to be 60% of the revenue with a minimum projection of $110K monthly revenue. |
Member Payment Dependent Notes Series 839359
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839359 |
$12,000 |
$12,000 |
18.79% |
1.00% |
August 12, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839359. Member loan 839359 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,000 / month |
Current employer: | n/a | Debt-to-income ratio: | 10.96% |
Length of employment: | 10+ years | Location: | lisbon, CT |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 23 |
Revolving Credit Balance: | $3,549.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 44.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Total out of pocket cash a month averages between 3150 and 3250 |
Which debts do you plan to pay off with this loan? | 7 of my revolving credit/charge accounts , Barclay, Bank America, Cap one , Dell ,Fingerhut, CITI, GECC |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortagage Wells Fargo Bank $208,000 at 6% $1,760 taxes/insurance escrowed Credit Card Bank America $2100 24% min payment $65 Credit Card Barclay Bank $1050 28% $ 40 min payment Credit Card Cap One $2300 %21 min $40 Charge Account Dell 1,800 29% $75 min payment Charge Account Fingerhut 29% $1400 Min payment $70 |
Which debts do you plan to pay off with this loan? | 7 of my revolving credit/charge accounts , Barclay, Bank America, Cap one , Dell ,Fingerhut, CITI, GECC |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortagage Wells Fargo Bank $208,000 at 6% $1,760 taxes/insurance escrowed Credit Card Bank America $2100 24% min payment $65 Credit Card Barclay Bank $1050 28% $ 40 min payment Credit Card Cap One $2300 %21 min $40 Charge Account Dell 1,800 29% $75 min payment Charge Account Fingerhut 29% $1400 Min payment $70 |
If you have a delinquency in the last 2 years, please explain the reason. | The Postal Service not collecting the mail on time. |
Member Payment Dependent Notes Series 839379
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839379 |
$12,000 |
$12,000 |
8.49% |
1.00% |
August 15, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839379. Member loan 839379 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,917 / month |
Current employer: | Perficient | Debt-to-income ratio: | 15.46% |
Length of employment: | < 1 year | Location: | Chicago, IL |
Home town: | |||
Current & past employers: | Perficient | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I am planning to pay off my high interest rate credit card (3k at 16.99%) and use the remaining amount to complete my emergency fund and for a down payment for a car required which is now required for my job null
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $25,906.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 44.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 839429
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839429 |
$6,000 |
$6,000 |
5.99% |
1.00% |
August 17, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839429. Member loan 839429 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,000 / month |
Current employer: | Clifton Gunderson | Debt-to-income ratio: | 26.34% |
Length of employment: | 4 years | Location: | Wauwatosa, WI |
Home town: | |||
Current & past employers: | Clifton Gunderson | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I plan to use the funds to pay everything off and be debt free. My job is quite secure. I'm a great borrower because I am not responsible for anyone by myself and have a great credit rating. Borrower added on 08/04/11 > Rent-$795, Transportation-$80-$100, Phone-$64, Car & Life Ins.-$63, Food-$80
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 50 |
Revolving Credit Balance: | $4,439.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 12.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent-$795, Car-$80, Utilities, $56, Phone-$64, Car & Life Ins-$63, Food-approx. $80-$85 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Discover - $3,307.74 (balance), 14.49% int., $67.00 min. pmt. (I pay more). Bank of America - $1,085.95 (balance), 14.74% int., $25.00 min. pmt. (I pay more). Chase - $1,586.87 (balance), 13.24% int., $25.00 min. pmt. (I pay more). I have no student loans, mortgages, or lines of credit. |
Member Payment Dependent Notes Series 839440
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839440 |
$12,000 |
$12,000 |
10.99% |
1.00% |
August 16, 2011 |
August 16, 2016 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839440. Member loan 839440 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $12,917 / month |
Current employer: | Intuit, Inc. | Debt-to-income ratio: | 14.68% |
Length of employment: | < 1 year | Location: | Fremont, CA |
Home town: | |||
Current & past employers: | Intuit, Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/10/11 > I would be using this loan for some home improvement work for my primary residence. I have an excellent credit score (760+) and a great track record of making all my payments in time all the time. I have a very stable job at Intuit. It is better known as the makers of Turbo Tax and is a fantastic company with a great balance sheet. Thank you.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 24 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 50 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,852.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 9.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I will use the loan proceeds for some home improvement/remodeling. |
Is the improvement to your primary residence or an investment property? | Primary residence. |
Member Payment Dependent Notes Series 839453
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839453 |
$5,000 |
$5,000 |
5.99% |
1.00% |
August 16, 2011 |
August 16, 2014 |
August 16, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839453. Member loan 839453 was requested on August 2, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,000 / month |
Current employer: | Catholic Church of St. Monica | Debt-to-income ratio: | 9.80% |
Length of employment: | 4 years | Location: | Lawrenceville, GA |
Home town: | |||
Current & past employers: | Catholic Church of St. Monica | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I'm moving to another state in 2 weeks to start a new job and need help with moving and startup costs. Borrower added on 08/07/11 > Please see my answer to the first question for breakdown of what I need the loan for. When I called this "Moving back home" I meant that this is a 500-mile move to my hometown, not to my Mom & Dad's house! Borrower added on 08/08/11 > Moving next Monday... I need your help! Borrower added on 08/08/11 > The purpose of this loan is to cover unexpected 500-mile moving costs that are not covered by my new employer. I don't need help with ongoing bills; I've broken down the amounts in the answers to the first couple of questions but will not be online much in the next few days since I'm moving on 8/15. Thank you! null
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,299.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 11.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Interstate moving costs will be $3500+, and the usual start up extra cash needed up front--apt deposit=an extra month's $1000 rent up front, + extra 1/2 month rent for August. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | The amount I need the loan for is explained in my answer to the previos question and in my original comments. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I'm sorry but I'm in the middle of moving and don't have time to calculate these expenses which are totally irrelevant to the amount I've requested and explained. |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquencies at all in many, many years! I have excellent credit. As of 8/1/11 my Equifax score is 781-"High," Experian 869-"Prime Plus", TransUnion 864-"Very Good." |
Will some or all of your moving expenses be reimbursed, if so how much? | None. |
Please explain the reason why you carry a large revolving credit balance. | I haven't gotten a raise since 2003 and had cancer in 2008. The medical bills are outrageous although they have decreased somewhat this year since I just hit my 3-year cancer free anniversary. Even so, on a church choir director's salary I have paid far more than my minimums each month even though I now regularly reach my out of pocket maximum for medical costs each year. I am in excellent health now, but the followups are still expensive. My credit card debt is very manageable and I handle it responsibly but it's the best I can do right now. My career change that begins September 1 (which is why I'm moving to another state) uses skills from my 1st bachelor degree and offers far more room for advancement and since it is my hometown, I have plenty of connections to do side work using my 2nd bachelor degree (doing both church music and private lessons.) The cost of living is less there than it is here and I expect to be able to pay down those debts faster with my new, improved situation. |
Member Payment Dependent Notes Series 839576
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839576 |
$30,000 |
$30,000 |
19.29% |
1.00% |
August 15, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839576. Member loan 839576 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,542 / month |
Current employer: | Femwell Group Health | Debt-to-income ratio: | 18.24% |
Length of employment: | 10+ years | Location: | Miami, FL |
Home town: | |||
Current & past employers: | Femwell Group Health | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I just bought my new home and I need to renovate part of it. It needs a new roof/hurricane shutters. It's a nice home in a nice area, but the sellers were too greedy to allow me the time to process a 203k loan... Any assistance would be greatly appreciated! I am a full time IT professional with a steady progression in career and salary (even in these times). I specialize in health care information technology. Had a few bumps in the road of life, but doing great now! Again, thank you for considering me and my loan. null Borrower added on 08/10/11 > Update: Not to make this sound like a ploy, but it was so funny I had to post this: One more compelling reason to do the renovation is that there are NO OUTLETS in my kitchen! Surprise to me when I went to make coffee. Had to make it in the living room. LOL. Thank you again!
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 71 |
Revolving Credit Balance: | $10,421.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 20.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is the home improvement project you are planning? | Hi. I need to install a new roof, convert the garage and expand the kitchen. It's an older home with great potential that needs to be brought out! Thank you! |
What is the home improvement project you are planning? | Hi. I need to install a new roof, convert the garage and expand the kitchen. It's an older home with great potential that needs to be brought out! Thank you! |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I am not sure if my prior answer went through so I am resubmitting. I bring home 6800.00 net monthly. Mortgage will be 2300.00 including PITI. My car and insurance are 600.00 monthly and my student loans are 360.00. I cosigned my fiancee's car and that is 520.00 monthly. Other than living expenses, that's it. I switched to a cash lifestyle a couple of years ago, fortunately! Thank you! |
What is the home improvement project you are planning? | Hi. I need to install a new roof, convert the garage and expand the kitchen. It's an older home with great potential that needs to be brought out! Thank you! |
Is the improvement to your primary residence or an investment property? | My primary residence and home. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Hi, 2300 for rent, 600 for transportation, 360 student loans, food varies usually about 500.00 or so, utilities around 300.00. Thank you! |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Hi, sorry for the delay! Principal/Interest $1,412.15 Taxes $410.34 Hazard Ins $221.75 Premium Mortgage Ins $247.93 Electricity $150.00 Water $25.00 Phone $65.00 Cable $59.00 Total $2,591.17 |
If you have a delinquency in the last 2 years, please explain the reason. | In the past two years I had a delinquencies related to medical bills which were improperly billed to my insurance company. Based on principal alone, I refused to pay them until the provider billed properly and was paid according to my contracted rates. I work in healthcare and I refuse to capitulate to providers whom bill improperly then attempt to extract a higher payment from the patient. My recent mortgage application also uncovered a couple of line items which were not mine and are being removed from my credit history. Thank you for asking and if I can provide more information, please let me know. |
Member Payment Dependent Notes Series 839583
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839583 |
$15,000 |
$15,000 |
14.79% |
1.00% |
August 10, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839583. Member loan 839583 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,708 / month |
Current employer: | Bates White LLC | Debt-to-income ratio: | 13.92% |
Length of employment: | 9 years | Location: | Gaithersburg, MD |
Home town: | |||
Current & past employers: | Bates White LLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > After complications from major back surgery I was out of work for 5 months instead of the original 6 weeks. Needless to say I became somewhat reliant on my credit cards and would like to consolidate them into one payment with a lower average rate. null
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,338.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Currently I am paying about $860 each month. After the payoff my monthly payment for credit cards will be zero and the loan payment will be a little over $500. |
What is the total balance of your credit cards, interest rates and current monthly payments? | My current monthly payment is about $860. The total balance for all is $15,399 and the interest rates are 14.9%, 24.9%, and 29.9%. |
What is your intended use for the loan proceeds? | This loan would pay off my credit card balances in full. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses are about $3146. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses are about $3146. |
Member Payment Dependent Notes Series 839584
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839584 |
$10,000 |
$10,000 |
22.11% |
1.00% |
August 11, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839584. Member loan 839584 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,334 / month |
Current employer: | Panther Expedited Services | Debt-to-income ratio: | 9.15% |
Length of employment: | < 1 year | Location: | AVON, OH |
Home town: | |||
Current & past employers: | Panther Expedited Services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I am currently looking to consolidate my high interest credit cards. I currently work for a very stable company experiencing very stable and steady growth. Borrower added on 08/03/11 > Borrower added on 08/03/11 > I am currently looking to consolidate some debts in a continuing effort to continue to plan for retirement and maximize the amount monthly I can save. Currently I am working for an industry leader in the niche it services. Last year our organization managed a record revenue year while other companies continued to fold up due to market factors such as fuel costs. Currently we are 13% ahead of last year's numbers at the end of the second quarter. I personally have broken recruitmentment records and continue to surpass my retention numbers quarter. With my bonuses exceeding the estimated numbers annually, I receive a steady stream of income that certainly guarentees timely repayment of this loan. null
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | 41 |
Revolving Credit Balance: | $5,616.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 98.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | consolidation of credit cards |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My expenses total to about 1200 a month total. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | 100 percent to consolidating debts. |
What are you buying? | It should read debt consolidation. I need to have that changed, |
Please explain the reason why you carry a large revolving credit balance. | to be direct, I was at a largely commission based job that i was struggling at and had to stay afloat. Now that I have a much more stable role and am experience a revenue stream i can budget much better and want to consolidate these and cut them up. |
Member Payment Dependent Notes Series 839625
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839625 |
$3,525 |
$3,525 |
10.99% |
1.00% |
August 10, 2011 |
August 18, 2016 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839625. Member loan 839625 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,833 / month |
Current employer: | Bank of America | Debt-to-income ratio: | 16.74% |
Length of employment: | 10+ years | Location: | LAKE VIEW, NY |
Home town: | |||
Current & past employers: | Bank of America | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > none
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $49,289.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 78.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 839657
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839657 |
$21,200 |
$21,200 |
16.49% |
1.00% |
August 17, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839657. Member loan 839657 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,000 / month |
Current employer: | Westlake Financial | Debt-to-income ratio: | 26.80% |
Length of employment: | < 1 year | Location: | Tigard, OR |
Home town: | |||
Current & past employers: | Westlake Financial | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > I am looking to consolodate all revolving debt into one payment. Borrower added on 08/15/11 > I know that my previous description is brief, I tried several times to explain my scenario, but it kept getting kicked even though there was no "personal identifying information" in its contents. I am trying to consolidate leftover revolving debt from the sale of my business. I would really like to get this all into one monthly bill and be able to pay off faster. Thank you for your consideration. null
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $43,318.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I intend to use these funds to consolidate as much revolving debt that I can which is left over from the sale of my business last year. I was self employed from 2007-2010 and was able to sell my business and recoup the majority of my debt..but what is left as revolving debt that was not paid off with the sale. I would like to consolidate this into one amount to be able to get it paid off faster and more consistently than it is now. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car 596 Ins 290 elect/water/gas 150 phone 150 Food 400 (?) |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I do not pay a mortgage payment. I do pay for utilities and other household expenses in lieu of mortgage. |
Please explain the reason why you carry a large revolving credit balance. | The revolving balances are merely a reflection of the debt that is left over from the sale of my business in 2010. The proceeds from the sale were not enough to completely cover all of the outstanding debt, and it was important to me to keep my credit good, so I have been carrying this debt for over a year and paying it on time and above the minimums due. My ultimate goal in all of this was to be able to consolidate all of the monies owed on these revolving debts and combine into one fixed payment. This would allow me to get rid of those cards and get this debt paid off. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | I am not paying a mortgage. I do pay all expenses (with the exclusion of taxes and ins) in lieu of mortgage payment. Utilites: 150/mo Phone: 150/mo |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | This loan is strictly to pay off as much of the revolving debt that I have that it will allow. |
Which debts do you plan to pay off with this loan? | Bank of America and Chase. I would love to include the citi account, but from what I am seeing, I am not being qualified for that much. But it will allow me to get both of the above named accounts consolidated which is a huge help and a step in the right direction. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Bank of America balance 13300 rate 19% Chase balance 8000 rate 18% Citi balance 24000 rate 21.99% |
Member Payment Dependent Notes Series 839671
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839671 |
$9,600 |
$9,600 |
5.99% |
1.00% |
August 17, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839671. Member loan 839671 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,000 / month |
Current employer: | Onyx Power | Debt-to-income ratio: | 1.60% |
Length of employment: | 4 years | Location: | Clarksburg, MD |
Home town: | |||
Current & past employers: | Onyx Power | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > Please process - thank you. Borrower added on 08/08/11 > Hello - These funds will be used for purchasing a 1966 mustang that has less that 14,000 miles. It has been garage kept for over 30 years and is in incredible condition. There are some aspects of the car that need attention but I plan to have it refurbed and resold before the end of the year. I have only one major long term debt - Mortgage $1,270.04 I have only two credit cards that I use for travel for work and they are usually paid off every month. My job is stable. I have been in the same field for over 30 years. I had no idea that this type of lending group existed. I plan on becoming an investor as well. Thank you very much for your consideration.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $618.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 6.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Purchase 1966 Mustang that was found in near mint condition in a barn. 13,000 original miles. |
What is your intended use for the loan proceeds? | Purchase car |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I only have the one mortgage - Owe approx 245k. 1 credit card. Other Monthly expenses approx. 2k |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 1,200 mortgage, 400 utilities, 120 TV,100, phone, 150 ins, 700 trans, 800 food |
If you have a delinquency in the last 2 years, please explain the reason. | I have no delinquencies. |
Is this loan for a refinance, lease or purchase? | This is for a purchase. Title is clear with no issues. |
What are the balances, interest rates, and monthly payments on any other auto obligations? | I have a leased vehicle that my work pays for. They also pay for gas (Thank God!) |
What type of vehicle are you buying (make, model, year, mileage and condition)? | These funds will be used for purchasing a 1966 mustang that has less that 14,000 miles. It has been garage kept for over 30 years and is in incredible condition. There are some aspects of the car that need attention but I plan to have it refurbed and resold before the end of the year. Thank you for your consideration! |
How are you covering other costs related to this car transaction (taxes, registration, insurance)? | I may or may not register. If I do it will be less than $500.00 I do not plan to keep it long - replacement value would be covered under my homeowners policy if it ever got to my house (I have a two car garage) and was damaged. I plan on taking directly to restoration garage to have slight cosmetic repairs done, fuel lines and tank flushed etc, engine detailed and then resell. |
How much money are you providing out of pocket as a down payment for this purchase? | No out of pocket money will be used. This is 100% finance. Thank you. |
Member Payment Dependent Notes Series 839684
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839684 |
$7,000 |
$7,000 |
15.99% |
1.00% |
August 15, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839684. Member loan 839684 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,875 / month |
Current employer: | GDLS | Debt-to-income ratio: | 21.22% |
Length of employment: | 2 years | Location: | Fayetteville, NC |
Home town: | |||
Current & past employers: | GDLS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > e-mails receivable Borrower added on 08/03/11 > Loan is more medical purposes
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | 20 |
Revolving Credit Balance: | $2,313.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 26.90% | Months Since Last Record: | 85 |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I paid off a credit card account by the balance that was listed on the last bill received. There was an additional charge on the account of $.11 for a credit protection fee, which wound up accruing late fees until I was finally notified by mail. Since I had chosen to go paperless for billing, I was not receiving bills, nor notifications by e-mail. The credit card company did fix the error, however, it reflected negatively on me for 4 months. It was a simple mistake that caused a lot of unnecessary confusion. |
What is your intended use for the loan proceeds? | For meet deductible for a medical procedure |
Member Payment Dependent Notes Series 839689
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839689 |
$2,000 |
$2,000 |
14.79% |
1.00% |
August 16, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839689. Member loan 839689 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $1,200 / month |
Current employer: | McDonalds | Debt-to-income ratio: | 12.83% |
Length of employment: | < 1 year | Location: | Shallotte, NC |
Home town: | |||
Current & past employers: | McDonalds | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2008 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 5 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,099.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 32.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 839742
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839742 |
$28,000 |
$28,000 |
12.99% |
1.00% |
August 17, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839742. Member loan 839742 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,750 / month |
Current employer: | Advocate Consulting Legal Group PLLC | Debt-to-income ratio: | 5.99% |
Length of employment: | 7 years | Location: | Naples, FL |
Home town: | |||
Current & past employers: | Advocate Consulting Legal Group PLLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > Purchased a home and it needs improvements to become move-in ready (was not a short-sale/foreclosure). Borrower added on 08/04/11 > more details: working with the same firm for over 7.5 years (have a very stable position); responsible w/my credit (have very good credit); current monthly budget/payments is about 1/4 of my monthly income; looking to find funding for neccessary home improvements for our home we just purchased (it really needs it).
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $857.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 2.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Around 1,300 - 1,500 per month |
Is the improvement to your primary residence or an investment property? | That will be for our Primary Residence that we just purchased and it needs improvements before move-in. |
What is your intended use for the loan proceeds? | The loan proceeds are to be used for much needed Home Improvements. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | All Expenses combined: $1,656 - $2,000 per month. |
Member Payment Dependent Notes Series 839778
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839778 |
$16,000 |
$16,000 |
12.99% |
1.00% |
August 17, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839778. Member loan 839778 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,167 / month |
Current employer: | Holly Hill Hospital | Debt-to-income ratio: | 14.30% |
Length of employment: | 4 years | Location: | RALEIGH, NC |
Home town: | |||
Current & past employers: | Holly Hill Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $63.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | IVF |
What is your intended use for the loan proceeds? | IVF |
Member Payment Dependent Notes Series 839801
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839801 |
$6,000 |
$6,000 |
7.49% |
1.00% |
August 16, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839801. Member loan 839801 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,427 / month |
Current employer: | ACM | Debt-to-income ratio: | 16.95% |
Length of employment: | 10+ years | Location: | BROOKLYN, NY |
Home town: | |||
Current & past employers: | ACM | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > Once I've received my funds I will contact my creditors and see what one time payment offer they give me to pay off each card. I am always on time with my payments and can make more than the minimum payment. My monthly budget allows for me to pay extra than the minimum. I have been at my current job for 10yrs now and see my self here for many more to come.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,793.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 839805
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839805 |
$17,625 |
$17,625 |
7.49% |
1.00% |
August 11, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839805. Member loan 839805 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,000 / month |
Current employer: | LeadFormix, Inc | Debt-to-income ratio: | 0.84% |
Length of employment: | 4 years | Location: | cupertino, CA |
Home town: | |||
Current & past employers: | LeadFormix, Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I need this to support my family in India. I have a home equity of over $850,000 and have always paid my mortgage in time. Have met all my obligations and have built up an excellent credit 877-Experian. Your money is completely safe as I have enough resources to pay for this loan and I am a strong believer in Law of Karma. Greatly appreciate this help. Borrower added on 08/04/11 > Folks- I need this money by 10th of August. Hope you can make your contributions ASAP. Thank you very much. Borrower added on 08/04/11 > Folks- I need this money by 10th of August. Hope you can make your contributions ASAP. Thank you very much.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,091.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 4.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I need to send this money to my parents in India for some personal emergency. |
Please provide additional details regarding the purpose of the loan? | My father needs to go thru a heart surgery in India and he doesn't have the funds needed. That is why I need to send this money urgently. I do have a good amount of equity in my home but the loan process will take much longer. Hence I am working thru Lending Club. Hope to receive your contribution soon. Feel free to ask me any more questions you may have. I will be happy to answer them. Thanks a lot for your help. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My total monthly expenses are $7000. I don't have any home equity loan or car payments any kind of credit card debt. Only debt I have is my home mortgage. Besides that I have zero debt. |
Member Payment Dependent Notes Series 839811
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839811 |
$6,800 |
$6,800 |
10.59% |
1.00% |
August 17, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839811. Member loan 839811 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,500 / month |
Current employer: | Twin Rivers Unified School District | Debt-to-income ratio: | 13.53% |
Length of employment: | 10+ years | Location: | YUBA CITY, CA |
Home town: | |||
Current & past employers: | Twin Rivers Unified School District | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | 21 |
Revolving Credit Balance: | $6,639.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I don't believe I have. I have always paid my bills on time. |
If you have a delinquency in the last 2 years, please explain the reason. | I don't believe I have. I have always paid my bills on time. |
Member Payment Dependent Notes Series 839818
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839818 |
$30,000 |
$30,000 |
17.99% |
1.00% |
August 15, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839818. Member loan 839818 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,583 / month |
Current employer: | Bloomington Public Schools | Debt-to-income ratio: | 20.79% |
Length of employment: | 6 years | Location: | Bloomington, MN |
Home town: | |||
Current & past employers: | Bloomington Public Schools | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $27,079.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 93.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I know it's a large balance and that is why I'm looking to get it moved to a fixed rate loan. The balances crept up over the last 5-6 years due to a few factors. The primary reason was helping my daughter through a very expensive (but worth it) graduate school. Moving expenses from an out-of-state relocation for employment reasons along with some medical expenses also contributed. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I am gathering all the current numbers for this and your other questions and will send it all in one answer to the last question. I should have it to you yet today or tomorrow for sure. |
What is the total balance of your credit cards, interest rates and current monthly payments? | I am gathering all the current numbers for this and your other questions and will send it all in one answer to the last question. I should have it to you yet today or tomorrow for sure. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I am gathering all the current numbers for this and your other questions and will send it all in one answer to the last question. I should have it to you yet today or tomorrow for sure. |
Please explain the reason why you carry a large revolving credit balance. | I know it's a large balance and that is why I'm looking to get it moved to a fixed rate loan. The balances crept up over the last 5-6 years due to a few factors. The primary reason was helping my daughter through a very expensive (but worth it) graduate school. Moving expenses from an out-of-state relocation for employment reasons along with some medical expenses also contributed. |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Monthly Expenses: Rent: $625.00 Utilities: $170.00 Insurance: $120.00 Car Payment: $400.00 Accounts to Payoff: Bank Credit Line $2,373.06 21.90 $75.00 VISA $8,195.39 13.00 $190.00 AMEX $1,756.62 13.24 $36.00 VISA $7,445.22 19.24 $185.00 Discover $6,289.56 17.99 $126.00 VISA $437.34 19.24 $25.00 VISA $698.46 28.24 $25.00 |
What is the total balance of your credit cards, interest rates and current monthly payments? | I am gathering all the current numbers for this and your other questions and will send it all in one answer to the last question. I should have it to you yet today or tomorrow for sure. |
What is the total balance of your credit cards, interest rates and current monthly payments? | I am gathering all the current numbers for this and your other questions and will send it all in one answer to the last question. I should have it to you yet today or tomorrow for sure. |
Please explain the reason why you carry a large revolving credit balance. | I know it's a large balance and that is why I'm looking to get it moved to a fixed rate loan. The balances crept up over the last 5-6 years due to a few factors. The primary reason was helping my daughter through a very expensive (but worth it) graduate school. Moving expenses from an out-of-state relocation for employment reasons along with some medical expenses also contributed. |
Member Payment Dependent Notes Series 839882
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839882 |
$15,000 |
$15,000 |
13.49% |
1.00% |
August 17, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839882. Member loan 839882 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $8,750 / month |
Current employer: | Babylon Central Fire & Rescue Alarm | Debt-to-income ratio: | 17.03% |
Length of employment: | 10+ years | Location: | West Islip, NY |
Home town: | |||
Current & past employers: | Babylon Central Fire & Rescue Alarm | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > this loan will be used to consolidate all the high interest credit cards into one lower interest monthly payment. These credit cards will then be closed out. I have improved my credit scores over the past 6 years from the 500's to the 700's, I have been employed at my job for 31 years.My credit report will show i have no late payments. thank you null
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $24,118.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 67.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | walmart 22.90% 1299.33, best buy 24.24% 2344.31, GEonline (care credit) 26.99% 2013.91, Discover 23.99% 3773.35, Home depot, 1646.38, couldnt find %. JCPenney 23.99% 1856.66 Amazon 25.99% 1043.51, Paypal, 1411.96 coundnt find%. The payments are approx $75-100/month. Citibank 8600.,17% 248/mo. credit card accounts will be paid off and closed, if approved. |
What is your intended use for the loan proceeds? | To consolidate high interest rate credit card debt into one lower monthly payment and close the credit card accounts out. Thank you! |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Good Afternoon. I pay $1200 monthly rent with utilities included. $116/month for car insurance. Personal loan (sons college, senior this year) $8,000 left. Thank You!!! Please let me know if you have any further questions. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1200 rent. Food $200 mo. Gas. $250 mo Insurance $116 mo Phone $109 includes landline and cell. Utilities included in rent. Thank you |
If you have a delinquency in the last 2 years, please explain the reason. | There have been no delinquencies. All bills paid on time. Thank you! |
Which debts do you plan to pay off with this loan? | All credit cards and just keep the one that is paid in full monthly. thank you very much. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | To pay off all the credit cards, starting with the highest interest rates, down to the lowest. Thank you!! |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | I rent upstairs from my mom, $1200 per month. $130 cell phone/month. Thank you for your consideration. |
Member Payment Dependent Notes Series 839904
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839904 |
$5,600 |
$5,600 |
8.49% |
1.00% |
August 15, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839904. Member loan 839904 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,250 / month |
Current employer: | American Imaging Management | Debt-to-income ratio: | 11.85% |
Length of employment: | < 1 year | Location: | Chicago, IL |
Home town: | |||
Current & past employers: | American Imaging Management | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > Pay off Credit Cards
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,584.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | answered in another question |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | $6,867.95 11.99% $192.30 $4,791.92 17.24% $106.00 $2,033.44 9.9% $36.10 |
What is the total balance of your credit cards, interest rates and current monthly payments? | answered in another question |
Please explain the reason why you carry a large revolving credit balance. | Went to grad school full time and academic load covered little more than tuition. Interest is catching up to me and trying to find a way to cut it down. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Total ~ 1400 Rent 1000 Phone 42 Utilities: 150 Transportation:150 Insurance: 110 |
Member Payment Dependent Notes Series 839935
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839935 |
$30,000 |
$30,000 |
11.99% |
1.00% |
August 17, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839935. Member loan 839935 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $13,542 / month |
Current employer: | Kantor Taylor Nelson Boyd & Evatt PC | Debt-to-income ratio: | 6.85% |
Length of employment: | 1 year | Location: | Portland, OR |
Home town: | |||
Current & past employers: | Kantor Taylor Nelson Boyd & Evatt PC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > This Loan is intended to consolidate and refinance outstanding credit card debt. Most of this debt relates to medical expenses and other out of budget expenditures. I am current on all outstanding obligations with no late payments or other public records. I have been employed without interruption since 1996 and my bcurrent job is very stable. Health insurance in my current job is signifcantly better than in my prior job, and covers a greater proportion of our medical expenditures, reducing our "out of budget" medical expenses. This Loan will allow us to shave approximately $300 per month from our monthly budget. My intent with this savings is to cut back on credit card expenditures, and establish a reserve to be used to cover other unexpected expenses while repaying this loan. The goal is to be debt free (other than mortgage and student loan) by the maturity date of this Loan. Borrower added on 08/08/11 > This loan is intended to refinance existing credit card debt. Most of this credit card relates to medical expenses and other "out of budget" expenses. I am and have been current on all outstanding debts with no late payments or public records. My current job is very stable. My current job also has much better medical insurance, which covers a greater portion of our medical expenses. Because we are now spending less out of pocket on medical expenses, I believe this loan should allow me to bring our overall debt load down. My goal is to use any addtional available cash to prepay this loan and be debt free (other than mortgage and student loan), with 36-48 months.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $22,595.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 62.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage is $1,897 per month, which includes property tax; I don't have a home equity loan or line of credit; utilities (gas, water, electric) varies with the season but averages about $300-$350 per month. |
Please explain the reason why you carry a large revolving credit balance. | My apologies for the delay in responding. Lending Club rejected my prior answer as including too much personal information. Our revolving balance relates to the credit cards that I hope to refinance with this loan. Most of this revolving balance relates to medical expenses that were not covered by medical insurance and other "out of budget" expenditures, such as auto repairs. In my current job, we have much better health insurance, which covers a much greater portion of our medical expenses. Accordingly we believe that by consolidating our outstanding debt into a single fixed payment that won't increase at the whim of a credit card company, based on my current income we can finally make headway to pay that debt down. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage is approximately $286,000 @4.75%, payment is $1,897 per month, which includes property tax. I don't have a home equity loan or line of credit. Utilities (gas, water, electric) varies with the season but averages about $300-$350 per month. Credit cards (4 accounts), total balance is approximately $27,500 at 16.9% - 18.9%. payments. Total minimum monthly payment is approximately $700. Auto loan balance is approximately $12,000 at 4.49%. Monthly payment is $257. Student loan balance is approximatley $16,900. Monthly payment is $345. |
Please explain the reason why you carry a large revolving credit balance. | My apologies for the delay in responding. Lending Club rejected my prior answer as including too much personal information. Our revolving balance relates to the credit cards that I hope to refinance with this loan. Most of this revolving balance relates to medical expenses that were not covered by medical insurance and other "out of budget" expenditures, such as auto repairs. In my current job, we have much better health insurance, which covers a much greater portion of our medical expenses. Accordingly we believe that by consolidating our outstanding debt into a single fixed payment that won't increase at the whim of a credit card company, based on my current income we can finally make headway to pay that debt down. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Apologies again. Lending Club also rejected my prior answer as again giving too much personal info. Mortgage = $286,000 at 4.75% (30 yr fixed) Credit Cards (4 accounts) = approx. $27,500 at 16.9% - 18.9%. Student Loan = $16,900 at 7.25% |
What is your intended use for the loan proceeds? | Pay off all existing credit card balances. By reducing the overall interest we're paying, I can actually make headway against the principal balance. I have posted additinal info several times, but it does not appear to have made it onto this page. Most of this credit card debt relates to medical expenses that were not covered by insurance. In my current job, our insurance is much better, so we are not going out of pocket for medical expenses to the same extent as we had been. |
Member Payment Dependent Notes Series 839980
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839980 |
$9,475 |
$9,475 |
12.99% |
1.00% |
August 12, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839980. Member loan 839980 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,917 / month |
Current employer: | Walgreens | Debt-to-income ratio: | 11.28% |
Length of employment: | 10+ years | Location: | Hopkinsville, KY |
Home town: | |||
Current & past employers: | Walgreens | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > i have worked at my job for 29 yrs.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1983 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,099.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 46.80% | Months Since Last Record: | 100 |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 839996
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
839996 |
$5,350 |
$5,350 |
9.99% |
1.00% |
August 12, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 839996. Member loan 839996 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,833 / month |
Current employer: | n/a | Debt-to-income ratio: | 19.07% |
Length of employment: | 10+ years | Location: | Parker, CO |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 30, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 20 |
Revolving Credit Balance: | $25,860.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 50.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I will have to look at this on my credit report. I did not know I had one. |
Please explain the reason why you carry a large revolving credit balance. | Let it get out of control. I have paid off my truck know the goal is to pay off the cards in two years. |
Which debts do you plan to pay off with this loan? | HSBC card what is let on the Barclaycard |
Member Payment Dependent Notes Series 840064
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840064 |
$20,000 |
$20,000 |
12.99% |
1.00% |
August 17, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840064. Member loan 840064 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,833 / month |
Current employer: | Invest Financial Corp | Debt-to-income ratio: | 10.29% |
Length of employment: | 4 years | Location: | Palm Harbor, FL |
Home town: | |||
Current & past employers: | Invest Financial Corp | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > I am looking for this loan to consolidate some credit card debt that was acquired from a previous business. I have a very stable job with a good salaried income and I have moved up within the company two times since starting with the firm in 2008. My company is a growing firm and while other firms are laying off my company has been steadily increasing our staff as our business increases. I do not work for a small company, we have over $24 billion dollars in assets managed by over 1300 financial advisors. I am an educated person with both an MBA and CFP so I understand finances and if not for the previous business would not have acquired the level of credit card debt I have.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 45 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,433.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 23.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To pay off credit card balances and a small loan balance from a previous business |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit cards total just over $10,000 interest rates vary between 13-16% one business loan that is also being paid off with this one is just about $9,000 10% total credit card and loan payment equals $680 per month mortgage is $1850 per month |
Member Payment Dependent Notes Series 840091
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840091 |
$2,850 |
$2,850 |
5.99% |
1.00% |
August 15, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840091. Member loan 840091 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,500 / month |
Current employer: | Abcd, inc | Debt-to-income ratio: | 27.65% |
Length of employment: | 5 years | Location: | everett, MA |
Home town: | |||
Current & past employers: | Abcd, inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on July 26, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,339.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 9.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Its a very deserved family vacation (after 5 years without one). That includes plane tickets and lodging and food expenses. Thanks |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My monthly expenses are minimum. They are covered by another member of my household. My part of the rent is 200.00. My cell phone and car expenses are covered by the company that I work for. And since I'm never home and always working, my utilities are very low. My car insurance it's only 100.00 because of my excellent driving record and the area that I live is safe. |
Member Payment Dependent Notes Series 840121
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840121 |
$15,000 |
$15,000 |
18.39% |
1.00% |
August 17, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840121. Member loan 840121 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $2,800 / month |
Current employer: | n/a | Debt-to-income ratio: | 14.25% |
Length of employment: | n/a | Location: | hastings, NY |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,038.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 97.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | no rent i own, transportation, i plan to buy a car so i will have the expense of insurance and gas etc probably 150 a month for that, phone is magic jack so that is 1.50 month and internet is wifi off a neighbors. i do not pay for that but may get a wifi from my daughter's plan for 20.00 a month. food is maybe 100 month i have a garden and grow veges there. no other expenses. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | i am buying a car. 5000 yes i could have secured an auto loan for less but when i want to use just liability insurance i dont want to have to continue to pay for full coverage. so pay more interest and lower the insurance works for me. car may need some repairs. 1000. want to drill a well on my property. 3000/ want to replace the septic system. 5000. these are guesses but i think they are close to what i need to spend. i also wanted to bring in top soil and level off and seed my yard. |
Please provide additional details regarding the purpose of the loan | i am buying a car. 5000 yes i could have secured an auto loan for less but when i want to use just liability insurance i dont want to have to continue to pay for full coverage. so pay more interest and lower the insurance works for me. car may need some repairs. 1000. want to drill a well on my property. 3000/ want to replace the septic system. 5000. these are guesses but i think they are close to what i need to spend. i also wanted to bring in top soil and level off and seed my yard. |
Member Payment Dependent Notes Series 840128
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840128 |
$16,000 |
$16,000 |
17.49% |
1.00% |
August 10, 2011 |
August 18, 2016 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840128. Member loan 840128 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,629 / month |
Current employer: | Eagle Precision Cast Parts | Debt-to-income ratio: | 11.10% |
Length of employment: | 10+ years | Location: | Muskegon, MI |
Home town: | |||
Current & past employers: | Eagle Precision Cast Parts | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
I am purchasing a cabin that has 3 actual cabins so I can stay all the same time. This is perfect for me. A great investment.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 10 |
Revolving Credit Balance: | $0.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.83% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | We need a little more money to complete our family cabin. |
What is your intended use for the loan proceeds? | We need a little more money to complete our family cabin. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 1500.00 |
What is your intended use for the loan proceeds? | We need a little more money to complete our family cabin. |
What is your intended use for the loan proceeds? | We need a little more money to complete our family cabin. |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquency ever. |
What is your intended use for the loan proceeds? | We need a little more money to complete our family cabin. |
What are you buying? | We are buyig a park model mobile home on a lot. It will be perfect for our family to have a place to go for the weekends. The guys hunt and would use it during the hunting season as well. |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquency ever. |
Member Payment Dependent Notes Series 840203
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840203 |
$9,000 |
$9,000 |
11.49% |
1.00% |
August 15, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840203. Member loan 840203 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,167 / month |
Current employer: | Department of Defense | Debt-to-income ratio: | 15.36% |
Length of employment: | 10+ years | Location: | Chesapeake Beach, MD |
Home town: | |||
Current & past employers: | Department of Defense | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $41,522.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Because of a life changing event |
Which debts do you plan to pay off with this loan? | Juniper, AMERICAN express, and lines of credit. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I really can't pull all of that together right. I'm I pay my bills and I am not late with any payments. I need the loan because of a life altering event. Please feel free to pass if you like. |
Please explain the reason why you carry a large revolving credit balance. | Because of a life changing event |
Member Payment Dependent Notes Series 840233
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840233 |
$10,000 |
$10,000 |
12.99% |
1.00% |
August 17, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840233. Member loan 840233 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,167 / month |
Current employer: | Premier food service | Debt-to-income ratio: | 11.66% |
Length of employment: | 3 years | Location: | San Diego, CA |
Home town: | |||
Current & past employers: | Premier food service | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | 31 |
Revolving Credit Balance: | $1,340.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 12.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Funds will be used to purchase a Food Production Trailer for 2 main purposes, 1A.Using in fund raising events for the Educational Foundation, a nonprofit tax exempt 501 c 3 corporation that funds scholarships for Culinary Students, hosts culinary educational seminars, funds Culinary Competitions and special food and wine events. 2B. In the event of a level 3 disaster, The 501 c 3 non profit corporation is contracted with the Red Cross to feed the thousands of displaced evacuees. This portable food production trailer will be used on the front lines of mass feeding for the evacuation sites as well as feeding the command centers of the local area. We already have an established presence with all law enforcement affiliates in feeding the command centers in the case that a level 3 disaster were to occur. |
What do you project your monthly revenues for the first 6 months to be? | Minimum of $2,000 per month. The trailer is being bought by a nonprofit corporation. It is only used for special events or in the case of a level 3 disaster. We do not intend to use it as a for profit unit. With that said we still have many events slotted for its use in the next 4 months that is projected to bring in over $8,000. |
Member Payment Dependent Notes Series 840246
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840246 |
$10,000 |
$10,000 |
11.49% |
1.00% |
August 11, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840246. Member loan 840246 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,667 / month |
Current employer: | The Hartford | Debt-to-income ratio: | 9.99% |
Length of employment: | 5 years | Location: | UTICA, NY |
Home town: | |||
Current & past employers: | The Hartford | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > I am getting married in September 2011 and the funds would really ease the wedding expenses. Thank you for your support. Borrower added on 08/04/11 > This loan will assist in the wedding expense for my fiance and I. My hope is to obtain the loan and pay off the reception and the photographer. All other expenses have been paid. Any help would be great. I appreciate your support. Borrower added on 08/04/11 > My career path is very stable! I enjoy what I do. I just got a promotion. My plan is to pay off this debt in 12 months. null Borrower added on 08/06/11 > please note the $1600 in monthly expenses includes my mortgage!
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,057.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 43.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I'm paying half of that balance off my next few days. I own a home and I had to get the furnace fixed that left limited funds for bills and basic needs. We used the credit card for things like food and basic needs at that time. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1600 Thank you!! |
Member Payment Dependent Notes Series 840256
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840256 |
$5,000 |
$5,000 |
13.49% |
1.00% |
August 10, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840256. Member loan 840256 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,417 / month |
Current employer: | United States Probation | Debt-to-income ratio: | 12.96% |
Length of employment: | 10+ years | Location: | Cape Coral, FL |
Home town: | |||
Current & past employers: | United States Probation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | 62 |
Revolving Credit Balance: | $64,186.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 80.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What portion of your wedding expenses does this loan represent? | Less than 5% |
How are you paying for other wedding expenses not covered by this loan? | Out of my savings, I've already paid the majority |
Please explain the reason why you carry a large revolving credit balance. | I did't think it was that large. I've always made my payments as per agreement. |
Member Payment Dependent Notes Series 840261
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840261 |
$7,000 |
$7,000 |
10.59% |
1.00% |
August 15, 2011 |
August 24, 2014 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840261. Member loan 840261 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $12,000 / month |
Current employer: | U.S. Army Engineer R&D Center | Debt-to-income ratio: | 11.68% |
Length of employment: | 10+ years | Location: | Fairfax Station, VA |
Home town: | |||
Current & past employers: | U.S. Army Engineer R&D Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/12/11 > consolidating two store credit cards with interest rates over 20%. I have been a government employee at the same organziation for over 28 years.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $186.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 62.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 6 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Macy's (2 credit cards) each with a balance of about $3500 and interest rates of 21.8%. Student loan of approximately $4000 with an interest rate of 8%. Mortgage of $600,000 at 4.33% and a home equity line of credit $140,000 with a variable rate now about 4%. House appraised at $820,000 in Feb 2011. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Macy's (2 credit cards) each with a balance of about $3500 and interest rates of 21.8%. Student loan of approximately $4000 with an interest rate of 8%. Mortgage of $600,000 at 4.33% and a home equity line of credit $140,000 with a variable rate now about 4%. House appraised at $820,000 in Feb 2011. |
Member Payment Dependent Notes Series 840280
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840280 |
$4,800 |
$4,800 |
10.59% |
1.00% |
August 11, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840280. Member loan 840280 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,667 / month |
Current employer: | knauz motors | Debt-to-income ratio: | 20.21% |
Length of employment: | 6 years | Location: | waukegan, IL |
Home town: | |||
Current & past employers: | knauz motors | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > i plan to use these funds to pay off my credit cards i have a stable job that i have been at for 7 years
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | 31 |
Revolving Credit Balance: | $3,831.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 27.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | all my credit cards |
Member Payment Dependent Notes Series 840315
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840315 |
$14,500 |
$14,500 |
7.49% |
1.00% |
August 16, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840315. Member loan 840315 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,375 / month |
Current employer: | DVAMC Beckley | Debt-to-income ratio: | 0.00% |
Length of employment: | 10+ years | Location: | Mount Hope, WV |
Home town: | |||
Current & past employers: | DVAMC Beckley | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $0.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | i have two credit cards i want to pay off and a car that needs $1300 in repairs for my son who is in the Army and is deploying in December. Thank you. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | In total about $1500.00 a month covers all my expenses except the credit cards that i intend to pay off with this loan. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | i have tried to answer this question twice before. Apparently this information is not allowed. Would it suffice to say that i have my expenses well covered and feel very secure in my current position of 15 years? |
If you have a delinquency in the last 2 years, please explain the reason. | i haven't. |
Which debts do you plan to pay off with this loan? | Three different credit accounts that range in interest from 19-23%. If i get full funding this will be my only credit account. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | i've tried to answer these kinds of questions and apparently they are not allowed. i can tell you that if i get full funding this will be my only credit account except my mortgage and car payment, and that i have my living expenses well in hand. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | i've tried to answer these kinds of questions and apparently they are not allowed. i can tell you that if i get full funding this will be my only credit account except my mortgage and car payment, and that i have my living expenses well in hand. |
Member Payment Dependent Notes Series 840354
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840354 |
$8,450 |
$8,450 |
11.49% |
1.00% |
August 17, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840354. Member loan 840354 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,500 / month |
Current employer: | Harbor Chase of Rockhill | Debt-to-income ratio: | 24.71% |
Length of employment: | 1 year | Location: | Charlotte, NC |
Home town: | |||
Current & past employers: | Harbor Chase of Rockhill | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
I am looking to consolidate and lower interest rates in one payment, I pay my bills on time and want to thank you all who invest. Thank you to all that have invested and looking to invest. I will not let you down. There are 10 days left and I am hoping you all believe enough in me, I will not let you down. I am hoping that my loan is fully funded, this will help me to be able to consolidate and have a low interest rate. Thank you again. 8 Days left and I want to thank all who invested thus far....7 Days..22hrs...In hopes that my loan is fully funded. I am a responsible person, just looking to get a lower interest rate and consolidate my debt, thank you. 6 days left... Hope I can reach my goal. 5 days left and I am not even 50% funded, I am hoping everyone trusts the fact that I will not let you down, I am a very responsible person, which is why I am looking to lower my interest rate and take care of my bills wisely. 4 days left.........I would like to reiterate to all, this loan is simply to consolidate my CC debt, there is not all that much but the interest rates are to high, they dont start that way but in time they raise them. Also, I would like to say I wouldnt want to do debt consolidation because I feel they only ruin your credit and my credit is in good standing.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 43 |
Revolving Credit Balance: | $8,252.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 23.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I don't have any other expenses other than the Credit Card, I am very fortunate in every other area regarding living and additional expenses. I do not want to do a Debt Consolidation because I feel they do not help they only hurt. I have very good credit and would like to keep it that way. |
Member Payment Dependent Notes Series 840371
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840371 |
$4,500 |
$4,500 |
7.49% |
1.00% |
August 16, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840371. Member loan 840371 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,700 / month |
Current employer: | Northwest Community Credit Union | Debt-to-income ratio: | 27.63% |
Length of employment: | 4 years | Location: | Springfield, OR |
Home town: | |||
Current & past employers: | Northwest Community Credit Union | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > I currently exchange rent for caregiving and do not have any housing expenses. This loan would cut my interest rates at least by half, and up to 75% on some of my cards! I've worked in the financial industry for 7 years, and I have been working hard to pay off my accounts myself. This would speed up the process to reach my goal of being credit card debt free! Borrower added on 08/06/11 > Thank you for the support so far! With what's been offeredtogether so far, I will get rid of a 23% account!! Thank you thank you! Borrower added on 08/12/11 > 50%!! Thank you thank you again to all the investors. This is a huge help. I could never thank you all enough!!!
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,341.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 50.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 840388
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840388 |
$9,000 |
$9,000 |
16.49% |
1.00% |
August 10, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840388. Member loan 840388 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,833 / month |
Current employer: | bayhealth medical center | Debt-to-income ratio: | 24.78% |
Length of employment: | 10+ years | Location: | hartly, DE |
Home town: | |||
Current & past employers: | bayhealth medical center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I would like to repair/update my kitchen. I have a good job , job security and have never defaulted on any of my bills. null
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 48 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,886.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 96.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 1920/month |
Is the improvement to your primary residence or an investment property? | primary residence. |
Please explain the reason why you carry a large revolving credit balance. | I have assisted my daughter over the last few years. She has had some health issues. |
Is this for a home improvement you have already made, or one that you are planning to make? | planning to make. |
What is the home improvement project you are planning? | kitchen update, laminate floors, counters, ect. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | mostly for kitchen update. I would like to put laminate floors in and update kitchen, as well as redo my deck. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | already answered |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | answered in previous questions. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | already answered |
What is the total balance and monthly payments of your mortgage loan(s) and/or HELOCs? | no i have not had deliquency, i always pay my bills |
What is the estimated current market value of your home? | 250000 |
If you have a delinquency in the last 2 years, please explain the reason. | no deliquency |
What is your intended use for the loan proceeds? | i need to update my kitchen and my deck |
Member Payment Dependent Notes Series 840411
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840411 |
$7,000 |
$7,000 |
9.99% |
1.00% |
August 16, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840411. Member loan 840411 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $8,403 / month |
Current employer: | Titan Integrated Systems | Debt-to-income ratio: | 15.07% |
Length of employment: | 10+ years | Location: | Northridge, CA |
Home town: | |||
Current & past employers: | Titan Integrated Systems | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1979 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | 69 |
Revolving Credit Balance: | $14,946.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 73.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | family emergency travel |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent 2,500 transportation one car 4000 mi/yr paid up in November, my work truck company paid for with gas maintenance and insurance paid (0) insurance 150/month for the other car all else paid up life food two seniors light healthy eaters $ 100/mo. We live a simple quiet life with no dependant children. Phone, cable internet $125 mo |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | family emergency travel |
Please provide additional details regarding the purpose of the loan | family emergency travel |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent $2800 my truck is paid and because I travel to construction job sites the company pays insurance and gas my wife's car is $655/mo paid up in October insurance for her car is about 80/mo (she does not drive much and her social security covers those expenses) insurance $50 medicare, paid up whole life food and sundries about $ 250/mo utilites/phone/internet/tv $300/mo |
Member Payment Dependent Notes Series 840425
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840425 |
$12,000 |
$12,000 |
15.23% |
1.00% |
August 11, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840425. Member loan 840425 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,333 / month |
Current employer: | Tenet Health | Debt-to-income ratio: | 14.85% |
Length of employment: | 3 years | Location: | Wilmington, DE |
Home town: | |||
Current & past employers: | Tenet Health | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 19 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,320.00 | Public Records On File: | 2 |
Revolving Line Utilization: | 46.00% | Months Since Last Record: | 61 |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a public record on file, please briefly explain the event and its resolution. | I'm not sure if I still have any public records on file now, but I do know that the ones I had years ago have been taken care of. They were tickets if I remember correctly |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Sears-$1200, 22.4%, $50 Best Buy-$900, 24.24%, $20 Dell-$1800, 26.24%, $50 Paypal-$800, 27%, $35 Walmart-$100, 25%, $25 Target-$200, 25%, $20 Old Navy-$100, 25%, $20 Kohls-$500, 27%, $35 JC Penny-$200, 28%, $25 Mastercard-$300, 25%, $20 Amazon-$300, 26%, $25 Visa-$1700, 17.9%, $45 Furniture Barn-$750, 27%, $70 American SignitureFurniture-$400, 27%, $25 Care Credit-$700, 28%, $35 Firestone 1-$1200, 22.8%, $55 Firestone 2-$1300, 22.8%, $55 |
Member Payment Dependent Notes Series 840447
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840447 |
$11,200 |
$11,200 |
16.89% |
1.00% |
August 12, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840447. Member loan 840447 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,167 / month |
Current employer: | Flashback Tees | Debt-to-income ratio: | 8.08% |
Length of employment: | 5 years | Location: | Port Orford, OR |
Home town: | |||
Current & past employers: | Flashback Tees | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 3 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 7 |
Revolving Credit Balance: | $846.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I felt a tighter budget with the incresed cost of living. As a result I fell behind on some bills and had to adjust for that. I cut my spending and picked up extra work to make up for the difference. |
Member Payment Dependent Notes Series 840456
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840456 |
$6,000 |
$6,000 |
11.99% |
1.00% |
August 11, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840456. Member loan 840456 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,333 / month |
Current employer: | ivy hall day school | Debt-to-income ratio: | 24.06% |
Length of employment: | 6 years | Location: | dallas, GA |
Home town: | |||
Current & past employers: | ivy hall day school | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > consolidating some bills null
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 39 |
Revolving Credit Balance: | $1,863.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 38.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 840514
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840514 |
$6,500 |
$6,500 |
17.49% |
1.00% |
August 10, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840514. Member loan 840514 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,500 / month |
Current employer: | Jerry's Deli | Debt-to-income ratio: | 7.91% |
Length of employment: | 4 years | Location: | burbank, CA |
Home town: | |||
Current & past employers: | Jerry's Deli | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > Hello, thank you for your interest. The loan I am requesting is for my company which is located in Los Angeles, CA. A place thriving of actors/actresses, independent film makers, production companies, and film studios. I am currently employed with 2 jobs to aid in the funding for my business, one I have been employed at for 4 years, the other job over 1 year. I am still in the development stages of my business, I have invested over 15K of my own money to help build the business (i.e. permit, registrations, equipment, storage.) I see the potential in generating a great profit by providing the lowest price's on all the services my company has to offer to draw in customers, and also I have 4 years experience as an Independent film maker/actor as well so I know exactly what services are in high demand. I have gathered info on potential business competitors, seen their rates, and what they offer, and though I am starting out small, I see myself having a greatly beneficial edge, in that 1, I am the only company to offer multiple services (acting classes, headshots, film equipment rentals, etc.) at one location. With this loan, I will be able to invest in various advertising campaigns, (online, newspaper, flyers, etc.) as well as business cards, brochures, outdoor signs, and a new website. For the first 1-2 years, my plan is to take all gross profits and 1st, repay any loan(s), and 2nd to invest back into my business to further expand my inventory and reach my goal of doubling my income from year one, and tripling my income for year 3 of business. With the recession knocking a lot of businesses out, I see this as a great time during our rebuilding phase to get my business to take off. Films are still being made, shows are still running, and there are countless potential customers in independent film makers looking to film their ideas.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | 42 |
Revolving Credit Balance: | $985.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 840561
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840561 |
$6,000 |
$6,000 |
9.99% |
1.00% |
August 10, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840561. Member loan 840561 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,253 / month |
Current employer: | Washington University School of Medicine | Debt-to-income ratio: | 15.14% |
Length of employment: | 2 years | Location: | Saint Louis, MO |
Home town: | |||
Current & past employers: | Washington University School of Medicine | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,626.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 33.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Consolidate high-interest debts; help me pay medical bills for medical problems I've been having; allow me to have some extra funding to apply to graduate schools |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent: $352 medical expenses: anywhere between $50 to $300 transportation: $50 utilities: $150 food: $50 car payment: $137 student loans: $55 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa: $900 debt, 22.9% APR Discover: $3,700 debt, 18.99% APR Student Loan: $1,700, $55 payment, 8.5% interest Car loan: $5,200, $137 payment, 5% interest |
Please explain the reason why you carry a large revolving credit balance. | Much of it is from educational expenses and medical expenses; and some of it is from investing too much in a business venture that failed. |
What is your intended use for the loan proceeds? | Consolidate high-interest debts; help me pay medical bills for medical problems I've been having; allow me to have some extra funding to apply to graduate schools |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent: $352 medical expenses: anywhere between $50 to $300 transportation: $50 utilities: $150 food: $50 car payment: $137 student loans: $55 |
Which debts do you plan to pay off with this loan? | credit cards |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa: $900 debt, 22.9% APR Discover: $3,700 debt, 18.99% APR Student Loan: $1,700, $55 payment, 8.5% interest Car loan: $5,200, $137 payment, 5% interest |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Visa: $900 debt, 22.9% APR Discover: $3,700 debt, 18.99% APR Student Loan: $1,700, $55 payment, 8.5% interest Car loan: $5,200, $137 payment, 5% interest |
Member Payment Dependent Notes Series 840643
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840643 |
$5,000 |
$5,000 |
7.49% |
1.00% |
August 10, 2011 |
August 17, 2016 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840643. Member loan 840643 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,050 / month |
Current employer: | UPS | Debt-to-income ratio: | 13.59% |
Length of employment: | 10+ years | Location: | Mount Sterling, KY |
Home town: | |||
Current & past employers: | UPS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > This loan is for an older model jeep to be used primarily as a third vehicle for my family. My intent is to use this service to fund the jeep instead of liquidating my securities. null
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,084.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 9.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Loan proceeds will purchase a 1979 jeep cj7. This will be a recreational and utility vehicle. It is not the primary vehicle for anyone in the family. The vehicle has been selected, is in excellent mechanical condition and is priced well versus nada value with comparable options. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage is $800 a month. 2 car payments totaling 600 a month. Normal household utils, cell phone etc total around 400 a month. Other than mortgage and cars, I have no debt. I use one credit card to get rewards points that I pay off 2 times a month in full. I have 60k equity on home and $45k in stock that i don't want to sell. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage 800 2 cars 600 all utils 400, insurance auto house life, 250, food 800. I have one loan for having LASIK surgery. I have no other debt. I have 401k and about 45000 in stock assets. |
If you have a delinquency in the last 2 years, please explain the reason. | I have not had a late payment on any bill for the last 10 years. |
Is this loan for a refinance, lease or purchase? | Purchase. Older jeep as third vehicle for utility and recreation. 1979 jeep cj7. Purchase price is also below current book. |
Member Payment Dependent Notes Series 840758
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840758 |
$15,000 |
$15,000 |
12.99% |
1.00% |
August 11, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840758. Member loan 840758 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,908 / month |
Current employer: | Bank of America | Debt-to-income ratio: | 18.14% |
Length of employment: | 9 years | Location: | Lockport, NY |
Home town: | |||
Current & past employers: | Bank of America | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > I plan to use these funds to consolodate all of my credit card and loan blls into one monthly payment. I never miss a payment and I am looking to add all my bills to one affordable monthly payment. I have a very stable job and I have been employed for 9 years with this company. Borrower added on 08/09/11 > I am also looking to have a lower interest rate than what I currently have on each of these existing loans and credit cards.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | 21 |
Revolving Credit Balance: | $970.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 12.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | debt consolodation |
Which debts do you plan to pay off with this loan? | all of them |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I owe about 15,000 in personal loans and credit card debt. Specifically one credit card with a $3400.00 balance that I would like to consolodate. Two personal loans, one for 6,500 and one for 2,500. The one for 2,500 has a very high interest rate at 24% and the one for 6,500 has an interest rate of about 15%. I would like to consolodate all of these into one monthly payment with a 12% interest rate. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 328.00, transportation is 100.00 for gas and 350.00 for my car payment, uitilities are 130.00, phone is 75.00, car insurance is 100.00 and food is about 160.00. Total set expenses per month are 1243.00. |
If you have a delinquency in the last 2 years, please explain the reason. | I think I have one 30 day late on my credit card. It was because I pay it online with a transfer from my checking to my credit card. I had thought the payment posted but it did not. Once I found out what happened I paid it right away. |
Member Payment Dependent Notes Series 840785
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840785 |
$8,400 |
$8,400 |
13.99% |
1.00% |
August 10, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840785. Member loan 840785 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,333 / month |
Current employer: | Lowe's Home Improvement | Debt-to-income ratio: | 12.44% |
Length of employment: | 8 years | Location: | SUNNYVALE, CA |
Home town: | |||
Current & past employers: | Lowe's Home Improvement | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 9 | Months Since Last Delinquency: | 71 |
Revolving Credit Balance: | $3,139.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current total balance on credit cards is about $8500 with interest rates above 20% and the total combined minimum payments amount to $390. Student loans total is about $32000 including spouse's loans with interest rates below 5% and combined payments of about $220. One car loan with a balance around $13500, interest rate is 2.9% and monthly payment is $350. |
Which debts do you plan to pay off with this loan? | We plan to pay off the credit card debt with this loan since all accounts have interest rates over 20%. The payments on the loan we are requesting would be lower than combined minimum payments. |
Member Payment Dependent Notes Series 840801
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840801 |
$6,400 |
$6,400 |
15.99% |
1.00% |
August 17, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840801. Member loan 840801 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,167 / month |
Current employer: | nfisd | Debt-to-income ratio: | 9.34% |
Length of employment: | 10+ years | Location: | HOUSTON, TX |
Home town: | |||
Current & past employers: | nfisd | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > i have been gainfully employed for eighteen years. Borrower added on 08/09/11 > my monthly budget is $3800.00 and i am a good borrower because i pay back what i owe. Borrower added on 08/09/11 > i would like to thank each investor who has taken the time to assist me in this endeavor. Borrower added on 08/09/11 > i would like to thank each investor who has taken the time to assist me in this endeavor.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,210.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 97.30% | Months Since Last Record: | 61 |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a public record on file, please briefly explain the event and its resolution. | what date was the public record |
What is your intended use for the loan proceeds? | i would like to pay off some debts |
What is your intended use for the loan proceeds? | i would like to pay off some debts |
Member Payment Dependent Notes Series 840817
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840817 |
$29,100 |
$29,100 |
15.99% |
1.00% |
August 15, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840817. Member loan 840817 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,833 / month |
Current employer: | Palm Springs Unified School District | Debt-to-income ratio: | 22.37% |
Length of employment: | 8 years | Location: | Palm Springs, CA |
Home town: | |||
Current & past employers: | Palm Springs Unified School District | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/03/11 > I've never been late on a payment and and really want to get my post-college debt paid off. I am a tenured educator in a stable district and constantly working on refining my craft. I am budgeting $1,500 per month for repayment. I am honest, trustworthy, and dependable - please fund my loan. Borrower added on 08/04/11 > I would like to make one payment to one loan as opposed to different payments to pay off the credit card debt that I have. Borrower added on 08/04/11 > Thank you for helping to fund my loan! I really, really can't express my appreciation! Please future investors, I really appreciate your trust in me - you will not be let down.
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,834.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I share a condo so rent is $620 Utilities are $150/month Phone $75/month I do not have car payment/Insurance $400/6 months CC1 14,317 16.99% I pay minimum $400/month CC2 8,852 11.99% I pay minimum $250/month CC3 3,881 16.99% I pay minimum $400/month CC4 1,711 12.99% I pay minimum $100/month CC5 1,494 24.25% I pay minimum $150/month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I share a condo so rent is $620 Utilities are $150/month Phone $75/month I do not have car payment/Insurance $400/6 months CC1 14,317 16.99% I pay minimum $400/month CC2 8,852 11.99% I pay minimum $250/month CC3 3,881 16.99% I pay minimum $400/month CC4 1,711 12.99% I pay minimum $100/month CC5 1,494 24.25% I pay minimum $150/month. Student loans are $165.25 per month. |
Which debts do you plan to pay off with this loan? | I am paying off credit card debt I accrued during college. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I share a condo so rent is $620 Utilities are $150/month Phone $75/month I do not have car payment/Insurance $400/6 months CC1 14,317 16.99% I pay minimum $400/month CC2 8,852 11.99% I pay minimum $250/month CC3 3,881 16.99% I pay minimum $400/month CC4 1,711 12.99% I pay minimum $100/month CC5 1,494 24.25% I pay minimum $150/month. Student loans are $165.25 per month. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I share a condo so rent is $620 Utilities are $150/month Phone $75/month I do not have car payment/Insurance $400/6 months CC1 14,317 16.99% I pay minimum $400/month CC2 8,852 11.99% I pay minimum $250/month CC3 3,881 16.99% I pay minimum $400/month CC4 1,711 12.99% I pay minimum $100/month CC5 1,494 24.25% I pay minimum $150/month |
What is your intended use for the loan proceeds? | I would like to consolidate my credit card debt and pay it off. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I'm using the loan to pay off 5 different credit cards. I will have paid off all of the cards and consolidated it into this one loan. I will not have any debt on any other card nor loan - just LendingClub. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I share a condo so rent is $620 Utilities are $150/month Phone $75/month I do not have car payment Insurance $400/6 months Credit Cards to be replaced by LendingClub Loan: CC1 14,317 16.99% I pay minimum $400/month CC2 8,852 11.99% I pay minimum $250/month CC3 3,881 16.99% I pay minimum $400/month CC4 1,711 12.99% I pay minimum $100/month CC5 1,494 24.25% I pay minimum $150/month Minimum CC Payments add up to total: $1,300/month Food: $300/month Gas: $150/month (I work less than 2 miles from my work) Other expenses/savings: $950/month |
If you have a delinquency in the last 2 years, please explain the reason. | I have never been delinquent on any account. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Currently, I am renting a condo. |
If you have a public record on file, please briefly explain the event and its resolution. | I do not have any records besides accolades from my work. |
Member Payment Dependent Notes Series 840835
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840835 |
$6,000 |
$6,000 |
5.42% |
1.00% |
August 15, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840835. Member loan 840835 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,333 / month |
Current employer: | bas construction | Debt-to-income ratio: | 6.48% |
Length of employment: | 10+ years | Location: | norco, CA |
Home town: | |||
Current & past employers: | bas construction | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1980 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,953.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 4.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | The intended use is partial payment on a boat. |
What is your intended use for the loan proceeds? | The intended use is partial payment on a boat. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My monthly mortgage is 1543.00,utilites are about 165.00,car and house insurance are about 145.00 a month,phone is 64.00 a month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | house payment is 1545.00-vechical is paid for,utilities are about 160.. mo.phone is 62.00 mo,insurance for my home and car are about 145.00 mo.food is around 350.00 mo. |
If you have a delinquency in the last 2 years, please explain the reason. | I have had no delinquencys ever! |
What are you buying? | This is a partial payment on a lund boat. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | It is being used for one purpose,part of payment on a lund boat. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | mortgage 1543.00,insurance about 750.00 a year,taxes are 2000.00 a year,water,trash,sewer,110.00 a mo. |
Please explain the reason why you carry a large revolving credit balance. | not sure what your talking about. |
If you have a public record on file, please briefly explain the event and its resolution. | No public record on file. |
Member Payment Dependent Notes Series 840876
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840876 |
$2,600 |
$2,600 |
19.29% |
1.00% |
August 17, 2011 |
August 17, 2014 |
August 17, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840876. Member loan 840876 was requested on August 3, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,800 / month |
Current employer: | Nordstrom | Debt-to-income ratio: | 15.67% |
Length of employment: | < 1 year | Location: | Richmond, VA |
Home town: | |||
Current & past employers: | Nordstrom | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 3, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2008 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 4 | Months Since Last Delinquency: | 15 |
Revolving Credit Balance: | $1,218.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | moving to a different appartment |
If you have a delinquency in the last 2 years, please explain the reason. | no, i don't |
Member Payment Dependent Notes Series 840980
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
840980 |
$4,200 |
$4,200 |
7.49% |
1.00% |
August 12, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 840980. Member loan 840980 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,250 / month |
Current employer: | Morningstar | Debt-to-income ratio: | 5.07% |
Length of employment: | 4 years | Location: | Martinsville, NJ |
Home town: | |||
Current & past employers: | Morningstar | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > Moving into a New Condo, looking for some short term moving funds to cover costs and to furnish my new place. I plan to have loan paid back before 36 months.
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | After moving expenses, I plan to purchase living room and dining room furniture. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | expenses monthly -1791 mortage and taxes -165 worst month gas and electric -125 internet, tv -250 water and sewer (HOA) -33 monthly condo ins. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I'm into a new condo FROM my parents home, thus I will explain the expenses in more detail: Current rent $0 (living with parents) but new Mortgage will be $1791 + $250 HOA free Transportation - car note $308, car ins $155 Current utilities $0 (living with parents) but new estimates from previous owner $165 (assuming worst month gas/elect) Phone (mobile): $115 TV/Internet: $125 Insurance: New Condo Ins $33 Food: $200 I hope this is a little clearer. Thanks! |
Member Payment Dependent Notes Series 841014
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841014 |
$10,000 |
$10,000 |
10.99% |
1.00% |
August 15, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841014. Member loan 841014 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $12,500 / month |
Current employer: | military sealift command | Debt-to-income ratio: | 14.98% |
Length of employment: | 10+ years | Location: | las vegas, NV |
Home town: | |||
Current & past employers: | military sealift command | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > installing a swimming pool in back yard. I am retired from Navy and now work for MSC servicing the US Navy Fleet. My job is very stable and I pay all my bills on time and in full
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $54,833.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I use my credit cards while I'm home and for travel. Once I return to my ship (where I work) I pay down all my cards |
Please explain the reason why you carry a large revolving credit balance. | I use my credit cards while I'm home and for travel. Once I return to my ship (where I work) I pay down all my cards |
Please explain the reason why you carry a large revolving credit balance. | I use my credit cards while I'm home and for travel. Once I return to my ship (where I work) I pay down all my cards |
Please explain the reason why you carry a large revolving credit balance. | I use my credit cards while I'm home and for travel. Once I return to my ship (where I work) I pay down all my cards |
Member Payment Dependent Notes Series 841024
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841024 |
$8,000 |
$8,000 |
9.99% |
1.00% |
August 11, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841024. Member loan 841024 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,167 / month |
Current employer: | Rochester Institute of Technology | Debt-to-income ratio: | 24.91% |
Length of employment: | 1 year | Location: | West Henrietta, NY |
Home town: | |||
Current & past employers: | Rochester Institute of Technology | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > NMCCs - No More Credit Cards! Borrower added on 08/10/11 > 79.69% funded so far! Thank you to each and every one of my 163 investors. Let's get that last 20% :-D
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,067.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 35.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 4 credit cards: $3200 (16%), $1950 (22%), $1250 (24%), and $75 (29%). Loads of student loans (just graduated): $87K |
Which debts do you plan to pay off with this loan? | I have several credit cards with high interest rates. While I generally make more than the minimum payment, the interest over time is still more expensive than that of this loan. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The loan is going to pay off my high interest credit cards, giving me one monthly payment that costs less in interest. |
Please explain the reason why you carry a large revolving credit balance. | I have a credit account tied to my checking account for overdrafts. I often use this as a buffer to spend part of my upcoming paycheck before I receive it, and then pay the balance off on payday. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $750 rent ($375 for two, includes utilities), $100 gas, $300 food, $150 cell phone (AT&T family plan), $800 student loans. $500 in credit card minimums. I generally have between $600 and $800 to apply to the credit cards. I plan to consolidate my credit cards to this lower-interest loan and save on interest. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 4 credit cards: $3200 (16%), $1950 (22%), $1250 (24%), and $75 (29%). Loads of student loans (just graduated): $87K |
Which debts do you plan to pay off with this loan? | I'll be using this loan to kill off the balances on my credit cards, which got too high when I was an irresponsible college student. The low interest rate on this loan will save me money compared to sticking with the higher rates on the cards. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | ~$8000 in credit cards, with a mix of interest rates (17%, 22%, 24% and 29%). ~$87K in student loans, I think at 5% I'll be using this loan to pay off the credit cards, consolidating to a lower combined monthly payment, and putting the savings toward my student loans. |
Which debts do you plan to pay off with this loan? | High interest credit cards. (rates of 17%, 22%, 24% and 29%) This 9% loan will save me a lot in interest! |
Please explain the reason why you carry a large revolving credit balance. | I have a credit account tied to my checking account. I use that as a buffer for overdraft protection, sometimes spending my next paycheck before it arrives, and then paying off that credit account. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: $750, Gas: $100, Utilities: included with rent, Phone: $150 family plan, Insurance, $25, Food: $300 |
Member Payment Dependent Notes Series 841046
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841046 |
$7,200 |
$7,200 |
9.99% |
1.00% |
August 15, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841046. Member loan 841046 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,167 / month |
Current employer: | F.B.I. | Debt-to-income ratio: | 6.50% |
Length of employment: | 10+ years | Location: | Fredericksburg, VA |
Home town: | |||
Current & past employers: | F.B.I. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/10/11 > Just want the lenders to know that i have a stable job and paying this loan back is not going to be a problem. So i don't want none of the lenders to worry if the loan will be paid i PROMISE IT WILL BE! Really need this loan to take care of some personal things. Thanks!!
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1983 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | 68 |
Revolving Credit Balance: | $1,829.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 48.10% | Months Since Last Record: | 97 |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To pay off some things |
If you have a public record on file, please briefly explain the event and its resolution. | no! |
Please provide additional details regarding the purpose of the loan | To pay off some bills,and to help my daughter with some dental work that she needs to have done. |
If you have a delinquency in the last 2 years, please explain the reason. | none |
Please provide additional details regarding the purpose of the loan | To pay off some bills,and to help my daughter with some dental work that she needs to have done. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent $1,207.84 transportation $100.00 every 2 wks utilities $300.00 or a month phone $ 107.00 a month includes cable insurance don't know off hand food $ 100.00 every 2 wks. |
Member Payment Dependent Notes Series 841158
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841158 |
$6,000 |
$6,000 |
7.49% |
1.00% |
August 15, 2011 |
August 18, 2016 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841158. Member loan 841158 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,062 / month |
Current employer: | State of Colorado | Debt-to-income ratio: | 15.62% |
Length of employment: | 10+ years | Location: | AURORA, CO |
Home town: | |||
Current & past employers: | State of Colorado | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,548.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 10.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Pay off a bill using this loan with a lower interest rate therefore saving money in the long run. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am not using it for multiple purposes. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | All expenses are substantially less than my income. All housing and utilities related expenses comprise approximately 48% of income. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $2900/month |
If you have a delinquency in the last 2 years, please explain the reason. | I have not had any at all. |
Please provide additional details regarding the purpose of the loan? | Please see previous questions; this was asked already. Thanks. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | I appreciate your desire to safeguard your investment but a similar question has already been asked and answered. I am happy to answer most questions but I find repetitive inquiries unproductive. Thanks. |
If you have a public record on file, please briefly explain the event and its resolution. | I have none. |
Please explain the reason why you carry a large revolving credit balance. | This is like one of those "have you stopped beating your wife?' questions. Please take the time to review the prospectus regarding this opportunity. Clearly detailed is a line that reads: "Revolving Line Utilization: 10.40%". Why do you consider 10.4% to be a large balance? To specifically answer your question, I in fact do not carry a large revolving credit balance. Just because you can ask a question doesn't mean you have to. |
Member Payment Dependent Notes Series 841198
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841198 |
$4,000 |
$4,000 |
7.49% |
1.00% |
August 15, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841198. Member loan 841198 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $2,500 / month |
Current employer: | Quicken Loans | Debt-to-income ratio: | 8.40% |
Length of employment: | < 1 year | Location: | Clawson, MI |
Home town: | |||
Current & past employers: | Quicken Loans | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/10/11 > I am using this towards the purchase of an engagement ring. I have a great credit score and have zero debt. I have been working full time out of college for over 2 months now and live at home with my parents. Borrower added on 08/11/11 > This Loan is for an engagement ring. null
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,053.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 7.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 5 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | This is for the purchase of an engagement ring. Wedding wont be for another 2 or 3 years. |
What portion of your wedding expenses does this loan represent? | This is just for an engagement ring. |
How are you paying for other wedding expenses not covered by this loan? | Just for an engagement ring. Not planning to get married for another 3 years. |
Member Payment Dependent Notes Series 841212
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841212 |
$8,000 |
$8,000 |
16.49% |
1.00% |
August 10, 2011 |
August 18, 2016 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841212. Member loan 841212 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,500 / month |
Current employer: | imetris corp | Debt-to-income ratio: | 18.28% |
Length of employment: | 5 years | Location: | FRANKLIN PARK, NJ |
Home town: | |||
Current & past employers: | imetris corp | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > i need to pay off my credit cards. Close all of them except 1 (oldest account) DiscoverCard -$2,411.41/ $6,400 -standard purchase APR 19.99%- latest min payment due $40 Citi Card -$3,699.66 / $4,120.00 - APR 29.99% - latest min payment due $80.66 CapitalOne Card - $721.48 / $750 - APR 18.90% - latest min payment due $21 Chase Card - $890.08/ $1000 - APR 29.99% - latest min payment due $25 BestBuy Card - $2,381.67 / $3000 - APR 24.24% - latest min payment due $34
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | 58 |
Revolving Credit Balance: | $10,339.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | DiscoverCard -$2,411.41/ $6,400 -standard purchase APR 19.99%- latest min payment due $40 Citi Card -$3,699.66 / $4,120.00 - APR 29.99% - latest min payment due $80.66 CapitalOne Card - $721.48 / $750 - APR 18.90% - latest min payment due $21 Chase Card - $890.08/ $1000 - APR 29.99% - latest min payment due $25 BestBuy Card - $2,381.67 / $3000 - APR 24.24% - latest min payment due $34 Car loan - $23,720.30 / $33,582.71 - Interest rate 5.99 % - latest min payment due $540 |
Which debts do you plan to pay off with this loan? | DiscoverCard -$2,411.41/ $6,400 -standard purchase APR 19.99%- latest min payment due $40 Citi Card -$3,699.66 / $4,120.00 - APR 29.99% - latest min payment due $80.66 CapitalOne Card - $721.48 / $750 - APR 18.90% - latest min payment due $21 Chase Card - $890.08/ $1000 - APR 29.99% - latest min payment due $25 BestBuy Card - $2,381.67 / $3000 - APR 24.24% - latest min payment due $34 Car loan - $23,720.30 / $33,582.71 - Interest rate 5.99 % - latest min payment due $540 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | DiscoverCard -$2,411.41/ $6,400 -standard purchase APR 19.99%- latest min payment due $40 Citi Card -$3,699.66 / $4,120.00 - APR 29.99% - latest min payment due $80.66 CapitalOne Card - $721.48 / $750 - APR 18.90% - latest min payment due $21 Chase Card - $890.08/ $1000 - APR 29.99% - latest min payment due $25 BestBuy Card - $2,381.67 / $3000 - APR 24.24% - latest min payment due $34 Car loan - $23,720.30 / $33,582.71 - Interest rate 5.99 % - latest min payment due $540 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | DiscoverCard -$2,411.41/ $6,400 -standard purchase APR 19.99%- latest min payment due $40 Citi Card -$3,699.66 / $4,120.00 - APR 29.99% - latest min payment due $80.66 CapitalOne Card - $721.48 / $750 - APR 18.90% - latest min payment due $21 Chase Card - $890.08/ $1000 - APR 29.99% - latest min payment due $25 BestBuy Card - $2,381.67 / $3000 - APR 24.24% - latest min payment due $34 Car loan - $23,720.30 / $33,582.71 - Interest rate 5.99 % - latest min payment due $540 Rent - 1800/month Electric&Gas - Avg 120/month Phone - 19.99/month Car insurance (2 cars) - $218.47/month for 6 months Cable/Internet - $35 / month Gas (2 cars) - $500 |
Which debts do you plan to pay off with this loan? | DiscoverCard -$2,411.41/ $6,400 -standard purchase APR 19.99%- latest min payment due $40 Citi Card -$3,699.66 / $4,120.00 - APR 29.99% - latest min payment due $80.66 CapitalOne Card - $721.48 / $750 - APR 18.90% - latest min payment due $21 Chase Card - $890.08/ $1000 - APR 29.99% - latest min payment due $25 BestBuy Card - $2,381.67 / $3000 - APR 24.24% - latest min payment due $34 Car loan - $23,720.30 / $33,582.71 - Interest rate 5.99 % - latest min payment due $540 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | DiscoverCard -$2,411.41/ $6,400 -standard purchase APR 19.99%- latest min payment due $40 Citi Card -$3,699.66 / $4,120.00 - APR 29.99% - latest min payment due $80.66 CapitalOne Card - $721.48 / $750 - APR 18.90% - latest min payment due $21 Chase Card - $890.08/ $1000 - APR 29.99% - latest min payment due $25 BestBuy Card - $2,381.67 / $3000 - APR 24.24% - latest min payment due $34 Car loan - $23,720.30 / $33,582.71 - Interest rate 5.99 % - latest min payment due $540 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | pay off my credit cards. Close all of them except 1 (oldest) DiscoverCard -$2,411.41/ $6,400 -standard purchase APR 19.99%- latest min payment due $40 Citi Card -$3,699.66 / $4,120.00 - APR 29.99% - latest min payment due $80.66 CapitalOne Card - $721.48 / $750 - APR 18.90% - latest min payment due $21 Chase Card - $890.08/ $1000 - APR 29.99% - latest min payment due $25 BestBuy Card - $2,381.67 / $3000 - APR 24.24% - latest min payment due $34 |
Please explain the reason why you carry a large revolving credit balance. | I didn't have a large revolving credit till June 2009 and had lot of savings. In July 2009 I got married and most of my credit and savings got used for the wedding. Then we moved to a bigger apartment, bought a new car, had a baby in July 2010, and expenses afterwards contributed to current credit balance. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | DiscoverCard -$2,411.41/ $6,400 -standard purchase APR 19.99%- latest min payment due $40 Citi Card -$3,699.66 / $4,120.00 - APR 29.99% - latest min payment due $80.66 CapitalOne Card - $721.48 / $750 - APR 18.90% - latest min payment due $21 Chase Card - $890.08/ $1000 - APR 29.99% - latest min payment due $25 BestBuy Card - $2,381.67 / $3000 - APR 24.24% - latest min payment due $34 Car loan - $23,720.30 / $33,582.71 - Interest rate 5.99 % - latest min payment due $540 Rent - 1800/month Electric&Gas - Avg 120/month Phone - 19.99/month Car insurance (2 cars) - $218.47/month for 6 months Cable/Internet - $35 / month Gas (2 cars) - $500 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | DiscoverCard -$2,411.41/ $6,400 -standard purchase APR 19.99%- latest min payment due $40 Citi Card -$3,699.66 / $4,120.00 - APR 29.99% - latest min payment due $80.66 CapitalOne Card - $721.48 / $750 - APR 18.90% - latest min payment due $21 Chase Card - $890.08/ $1000 - APR 29.99% - latest min payment due $25 BestBuy Card - $2,381.67 / $3000 - APR 24.24% - latest min payment due $34 Car loan - $23,720.30 / $33,582.71 - Interest rate 5.99 % - latest min payment due $540 Rent - 1800/month Electric&Gas - Avg 120/month Phone - 19.99/month Car insurance (2 cars) - $218.47/month for 6 months Cable/Internet - $35 / month Gas (2 cars) - $500 |
Member Payment Dependent Notes Series 841213
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841213 |
$2,500 |
$2,500 |
6.99% |
1.00% |
August 11, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841213. Member loan 841213 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,000 / month |
Current employer: | ICF International | Debt-to-income ratio: | 19.38% |
Length of employment: | 5 years | Location: | El Cajon, CA |
Home town: | |||
Current & past employers: | ICF International | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > This is a 1991 used Ford F-150 that I'm buying tomorrow. It would be nice to spread the purchase out over 3 years, but I'm making the purchase regardless. null
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $34,392.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 841227
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841227 |
$5,075 |
$5,075 |
5.99% |
1.00% |
August 17, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841227. Member loan 841227 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,000 / month |
Current employer: | Frederick Ward Associates | Debt-to-income ratio: | 20.10% |
Length of employment: | 3 years | Location: | Red Lion, PA |
Home town: | |||
Current & past employers: | Frederick Ward Associates | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > to pay off a contractor that put in a sump pump and waterproofed our basement after it flooded and 2 credit cards.
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $269.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | We had to waterproof our basement and have a sump pump put in and although the company has allowed us to make payments on the work I would like to go ahead and pay off that debt ($3500) as well as a few other debts that my wife and I have so that all we have each month is our loan payment as well as basic bills such as water, electirc, phone etc . . . |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Using this loan to pay for the work we had done on the basement and to pay off two CC bills that we have acquired - our total monthly bills (before gas and groceries) including the monthly payment for this loan - wil be right around $3,000.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I believe you are the same investor that I already answered this question to. After paying off a home improvement bill and 2 CC balances that we have - our total bills per month (mortgage - we don't rent, we own a home - water, gas, electric, phone, cable etc) including the monthly payment for this loan - is $3,000.00. Add gas and food to that and I would say a maximum - just to provide you with a number - would be $4,000. |
If you have a delinquency in the last 2 years, please explain the reason. | I've never had a delinquency. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | After we pay off a home improvement loan ($3500) and a few other high balance bills that we have acquired - our monthly payments - including this loan payment - will come in right at $3000. That is before gas and groceries so when you add in those, it is a MAXIMUM of $4,000 a month. |
Which debts do you plan to pay off with this loan? | we plan to pay the company who did work on our basement. Our basement flooded and we had it waterproofed and installed a sump pump. After that we just want to pay off our only 2 credit cards so that we just have our mortagage, utilities and basic bills like food and gas every month. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | to pay off a contractor for work he did installing a sump pump and water proofing our basement after it flooded and to pay off two credit card bills |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Insurance and taxes are paid by our mortgage company - our monthly mortgage is payment $1,830.00 - we are on payment cycle where we pay $915 every other week. |
If you have a public record on file, please briefly explain the event and its resolution. | I don't have a public record, I have no record of any kind. No criminal offenses not even a misdemeanor. I don't have any delinquincies, late payments, bankruptcies or defaults. I have excellent credit . . . . |
Please explain the reason why you carry a large revolving credit balance. | I don't. |
Member Payment Dependent Notes Series 841238
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841238 |
$6,000 |
$6,000 |
9.99% |
1.00% |
August 11, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841238. Member loan 841238 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $4,417 / month |
Current employer: | Cincinnati Children's Hospital | Debt-to-income ratio: | 12.88% |
Length of employment: | 3 years | Location: | Cincinnati, OH |
Home town: | |||
Current & past employers: | Cincinnati Children's Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > Thank you ! If I can please get this by Aug 10 I would greatly appreciate it
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | 48 |
Revolving Credit Balance: | $8,761.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 54.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 841266
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841266 |
$14,000 |
$14,000 |
20.25% |
1.00% |
August 16, 2011 |
August 18, 2016 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841266. Member loan 841266 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,562 / month |
Current employer: | Beadle County | Debt-to-income ratio: | 20.58% |
Length of employment: | 5 years | Location: | Huron, SD |
Home town: | |||
Current & past employers: | Beadle County | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 19 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 53 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $17,735.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 49.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Due to 3 life changing medical events we ended up applying for credit cards to assist with the medical bills. I do not wish to carry these revolving balances and look forward to the opportunity to just pay them off and make 1 loan payment a month. |
What is the total balance of your credit cards, interest rates and current monthly payments? | The total balance on all 4 credit cards is $13,811.40 Intrest rates vary from 16%-26%. My monthly payments are $40.00, $99, $105, $70.00 |
What is your intended use for the loan proceeds? | To consolidate 4 credit card accounts that have balances left on them from a life altering medical event. The cards are cut up and I have NO further intention of ever using them. I would just like to make 1 payment a month vs 4 and the idea that I could have this all paid off in 5 years instead of the 13-17 like the statements say is very motivating to me. I don't want to owe anyone any money and I hate that I do, I just wish for a better life for my daughters and I. I was delt a pretty crappy hand at one point in life but have chosen to change my situation for the better! :). Thanks for your consideration. |
What is the total balance of your credit cards, interest rates and current monthly payments? | The total balance on all 4 credit cards is $13,811.40 Intrest rates vary from 16%-26%. My monthly payments are $40.00, $99, $105, $70.00 |
What is the total balance of your credit cards, interest rates and current monthly payments? | The total balance on all 4 credit cards is $13,811.40 Intrest rates vary from 16%-26%. My monthly payments are $40.00, $99, $105, $70.00 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My rent is 500/month. Water/garbage/sewer is $45. Utilities for my apt are about $50-100 /month. I do not have ny home equity loans as I do not own, no lines of credit, I don't pay taxes on the property. I do carry renters insurance which is 100/ year. Thanks for your consideration. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent 500/month Fuel 160/month Utilities 145/month Cell 90/month Insurance (Dental, Health, Vehicle, Life) 136 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent 500/month Fuel 160/month Utilities 145/month Cell 90/month Insurance (Dental, Health, Vehicle, Life) 136 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent 500/month Fuel 160/month Utilities 145/month Cell 90/month Insurance (Dental, Health, Vehicle, Life) 136 |
Please explain the reason why you carry a large revolving credit balance. | Due to 3 life changing medical events we ended up applying for credit cards to assist with the medical bills. I do not wish to carry these revolving balances and look forward to the opportunity to just pay them off and make 1 loan payment a month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent 500/month Fuel 160/month Utilities 145/month Cell 90/month Insurance (Dental, Health, Vehicle, Life) 136 |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Visa $4400 balance $4400 17.99% minimum $115 Mastercard $2750 balance $2750 18.99% minimum $70 Visa B $4600 balance $4600 13.99% minimum $90 Retail Card $2050 balance $2050 22.99% minimum $90 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent 500/month Fuel 160/month Utilities 145/month Cell 90/month Insurance (Dental, Health, Vehicle, Life) 136 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Total Monthly Minimums Right now is 355.00 if I get the complete funding for this loan the payment would be 372 and all credit cards would be paid off in full :) That is my goal. 1 payment and no more credit cards! Yeah! |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am consolidating 3 major credit cards and 1 retail card balances into 1 loan payment. The monthly payment of this loan is equal to what I am currently paying total of all the cards. All 4 cards will be paid off in full and the cards have already been destroyed and 3 of the accounts closed. |
Member Payment Dependent Notes Series 841291
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841291 |
$15,000 |
$15,000 |
12.99% |
1.00% |
August 12, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841291. Member loan 841291 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $17,500 / month |
Current employer: | Sidley Austin | Debt-to-income ratio: | 11.82% |
Length of employment: | 4 years | Location: | ALEXANDRIA, VA |
Home town: | |||
Current & past employers: | Sidley Austin | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > The loan is to cover the cost of unexpected medical expenses that was not covered by health insurance. The surgery will resolve the medical issue and I do not expect to incur additional medical costs.
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $18,447.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 78.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are the estimated expenses? | I am unclear what you are asking. Can you please clarify what expenses you are referring to? If you are referring to the medical expenses, the cost is $14,800. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The loan is for a single purpose --- payment of a single occurrence of medical expenses. Medical expenses will not be recurring. |
Member Payment Dependent Notes Series 841297
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841297 |
$11,000 |
$11,000 |
16.49% |
1.00% |
August 15, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841297. Member loan 841297 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,330 / month |
Current employer: | Utah State tax Commission | Debt-to-income ratio: | 23.24% |
Length of employment: | 10+ years | Location: | Holladay, UT |
Home town: | |||
Current & past employers: | Utah State tax Commission | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | 20 |
Revolving Credit Balance: | $13,727.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 71.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | Not delinquent, but payments may have been late due to bank account changes. There was a delay in fund transfers between Beehive Credit Union and America first Credit Union |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | House $782.47, utulities aprox $50.00, Insurance $75.00, tax $48.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortage $111,000, 5% int., Credit card 9,000 9% int. |
Which debts do you plan to pay off with this loan? | Tax, and credit card |
Member Payment Dependent Notes Series 841309
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841309 |
$7,750 |
$7,750 |
16.49% |
1.00% |
August 12, 2011 |
August 18, 2016 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841309. Member loan 841309 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,417 / month |
Current employer: | Courthouse Convalescent Center | Debt-to-income ratio: | 22.74% |
Length of employment: | 8 years | Location: | North Cape May, NJ |
Home town: | |||
Current & past employers: | Courthouse Convalescent Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $24,962.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 72.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage payment (including taxes & insurance) $1,827.00 Utilities (aproximately) $450.00 Car payment $382.00 Credit cards (aproximately) $500.00 |
Please explain the reason why you carry a large revolving credit balance. | Working on paying them down |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage $256,000 (5.0% interest) Credit Cards $15,000 (8-13% interest) Auto Loan $15,000 (unsure of interest rate) |
What is your intended use for the loan proceeds? | Consolidation of credit cards and minor home repairs |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage (including insurance & taxes - $1825.00 Credit Cards $500.00 Auto Loan $382.00 Utilitites $400.00 |
Which debts do you plan to pay off with this loan? | Credit Cards |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage $256,000 (5.0% interest) Credit Cards $15,000 (8-13% interest) Auto Loan $15,000 (unsure of interest rate) |
If you have a delinquency in the last 2 years, please explain the reason. | There are absolutely no delinquencies in the last 10 years of my credit file. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | mortgage $1827.00 includes taxes and insurance Utilities $450.00 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Paying off the credit cards with the highest interest first. |
If you have a public record on file, please briefly explain the event and its resolution. | There are NO public records on my file. |
Member Payment Dependent Notes Series 841415
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841415 |
$6,200 |
$6,200 |
10.99% |
1.00% |
August 10, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841415. Member loan 841415 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,892 / month |
Current employer: | n/a | Debt-to-income ratio: | 18.81% |
Length of employment: | n/a | Location: | Altoona, PA |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > We plan to use the money to upgrade the bathroom and kitchen. We have never missed any credit paymet in our life. We pride ourselves in paying all bills always on time!
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $0.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 841453
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841453 |
$4,800 |
$4,800 |
15.23% |
1.00% |
August 17, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841453. Member loan 841453 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,000 / month |
Current employer: | n/a | Debt-to-income ratio: | 2.08% |
Length of employment: | 2 years | Location: | Charlottesville, VA |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 4 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,025.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | The primary reason for my credit balance is because I had an unfortunate personal event on May that has since been resolved. My bank balance was $3,700 at the time and I had to use it all to pay. It is still manageable at $83 per month. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I will be using the loan for primarily two purposes. First would be to fix the bathrooms and tiles in my family home because we plan on selling it within the next few months. Hence, I was going to raise it's value before doing so. Next, the funds will be used to buy additional servers, hosting and tool. I run a small business from home and will be using the money to expand. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I currently spend $400-$500 a month on rent and utilities. My phone bill is $30/month and my credit card is $88/month. As far as food goes, a maximum of $200/month is spent. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My current expenses are as follows: $400-$500 a month for rent and utilities and roughly $83 per month on my credit card. |
What is your intended use for the loan proceeds? | I will be using the loan for primarily two purposes. First would be to fix the bathrooms and tiles in my family home because we plan on selling it within the next few months. Hence, I was going to raise it's value before doing so. Next, the funds will be used to buy additional servers, hosting and tool. I run a small business from home and will be using the money to expand. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I currently spend $400-$500 a month on rent and utilities. My phone bill is $30/month and my credit card is $88/month. As far as food goes, a maximum of $200/month is spent. |
Please explain the reason why you carry a large revolving credit balance. | The primary reason for my credit balance is because I had an unfortunate personal event on May that has since been resolved. My bank balance was $3,700 at the time and I had to use it all to pay. It is still manageable at $83 per month. |
Member Payment Dependent Notes Series 841518
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841518 |
$3,000 |
$3,000 |
7.49% |
1.00% |
August 15, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841518. Member loan 841518 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $5,833 / month |
Current employer: | Greyhound Lines Inc. | Debt-to-income ratio: | 22.29% |
Length of employment: | 10+ years | Location: | Squaw Valley, CA |
Home town: | |||
Current & past employers: | Greyhound Lines Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $16,436.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 77.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I need to complete a scheduled Dental implant. |
Member Payment Dependent Notes Series 841526
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841526 |
$12,400 |
$12,400 |
18.39% |
1.00% |
August 15, 2011 |
August 18, 2016 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841526. Member loan 841526 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,583 / month |
Current employer: | Advanced Refrigeration | Debt-to-income ratio: | 5.21% |
Length of employment: | 10+ years | Location: | WINTER GARDEN, FL |
Home town: | |||
Current & past employers: | Advanced Refrigeration | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > This loan is for debt consoidation. Borrower added on 08/05/11 > This loan is for debt consolidation. I have been with my current employer for 15 1/2 years. I have a stable credit history and make my payments on time.
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 32 |
Revolving Credit Balance: | $7,758.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 27.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | Various credit card/HSBC card debts and a few other debts. Thank you for your consideration. |
Member Payment Dependent Notes Series 841611
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841611 |
$6,000 |
$6,000 |
10.99% |
1.00% |
August 15, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841611. Member loan 841611 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,667 / month |
Current employer: | CCA | Debt-to-income ratio: | 17.06% |
Length of employment: | 8 years | Location: | mount vernon, GA |
Home town: | |||
Current & past employers: | CCA | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > Furniture Bill and Medical Bill
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $17,050.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 96.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 841619
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841619 |
$8,000 |
$8,000 |
10.99% |
1.00% |
August 17, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841619. Member loan 841619 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,667 / month |
Current employer: | n/a | Debt-to-income ratio: | 14.70% |
Length of employment: | 5 years | Location: | Sanford, NC |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/15/11 > I run a small metal fabrication shop in Sanford NC. The business is doing well and I get a new customer every day. The reason for the loan is to purchase some new welding equipment for new employees. I know they could increase production and quality with better equipment thus increasing overall profit. null
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,388.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I run a small metal fabrication shop called Imagination Fabrication. I have plenty of work and I have just hired another welder. I know I could run the shop more efficiently if the employees didn't have to trade off and share the current equipment I have. I would like to invest in some additional welding equipment to keep up with my increasing demand. |
What is your intended use for the loan proceeds? | I run a small metal fabrication shop called Imagination Fabrication. I have plenty of work and I have just hired another welder. I know I could run the shop more efficiently if the employees didn't have to trade off and share the current equipment I have. I would like to invest in some additional welding equipment to keep up with my increasing demand. |
Member Payment Dependent Notes Series 841621
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841621 |
$12,000 |
$12,000 |
7.49% |
1.00% |
August 17, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841621. Member loan 841621 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,500 / month |
Current employer: | Department of Justice | Debt-to-income ratio: | 5.95% |
Length of employment: | 2 years | Location: | Alexandria, VA |
Home town: | |||
Current & past employers: | Department of Justice | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > Along with consolidating credit cards, auto loan, and laptop payoff, I also forgot to mention unexpected medical bills.
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $17,463.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Unexpected medical bills. |
Member Payment Dependent Notes Series 841642
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841642 |
$4,000 |
$4,000 |
15.62% |
1.00% |
August 11, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841642. Member loan 841642 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,560 / month |
Current employer: | NCBA | Debt-to-income ratio: | 11.86% |
Length of employment: | 2 years | Location: | Washington, DC |
Home town: | |||
Current & past employers: | NCBA | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > i need this loan to consolidate my debts before i get behind i'm in good standing with my creditors and bank but feel comfortable paying one bill only. thank you
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | 40 |
Revolving Credit Balance: | $4,976.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 3800.00/payments monthly 400.00. i woud like to pay off Capital One, Exxon, Dell, Discover. |
Member Payment Dependent Notes Series 841702
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841702 |
$5,000 |
$5,000 |
5.42% |
1.00% |
August 16, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841702. Member loan 841702 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,417 / month |
Current employer: | Department of Defense | Debt-to-income ratio: | 11.30% |
Length of employment: | < 1 year | Location: | Washington, DC |
Home town: | |||
Current & past employers: | Department of Defense | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > I will use the loan to refinance credit card charges that accrued as a result of an unexpected medical expense. Some of the funds will also go towards paying off the medical expense. I have an exceptional credit history and have never been late or missed a single payment on any of my debt obligations. While I can afford to pay off the credit card charges without the loan, I want a lower interest rate and rather give my money to personal investors like yourself instead of allowing credit card companies to profit off exorbitant interest rates. I am a federal government employee so I have a stable job and career. Borrower added on 08/06/11 > I will use the loan to refinance credit card charges that accrued as a result of an unexpected medical expense. Some of the funds will also go towards paying off the medical expense. I have an exceptional credit history and have never been late or missed a single payment on any of my debt obligations. While I can afford to pay off the credit card charges without the loan, I want a lower interest rate and rather give my money to personal investors instead of allowing credit card companies to profit off exorbitant interest rates. I am a federal government employee so I have a stable job and career. null
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 44 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,426.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 4.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 841714
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841714 |
$15,000 |
$15,000 |
18.39% |
1.00% |
August 17, 2011 |
August 18, 2016 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841714. Member loan 841714 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,673 / month |
Current employer: | n/a | Debt-to-income ratio: | 6.96% |
Length of employment: | n/a | Location: | fort walton beach, FL |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > provide funds to combine accounts into one with a lower apr
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 4 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,325.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 97.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortage: $566 transportation: I do not own a car utilities: 300 phone: $70 insurance: health is obtained through Dept of Veterans Affairs food: $400 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | $7,000 credit card consolidation $5,000 home improvement |
Which debts do you plan to pay off with this loan? | credit card and home improvement |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit cards: $7,000 / 24.99% / monthly payment $800 mortage: $97,000 / 3% / monthly payment $566 |
Please explain the reason why you carry a large revolving credit balance. | In the past year I have had to replace several large ticket items for my home, as well as pay college expendetures for my daughter. |
Please explain the reason why you carry a large revolving credit balance. | In the past year I have had to replace several large ticket items for my home, as well as pay college expendetures for my daughter. |
Member Payment Dependent Notes Series 841734
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841734 |
$3,600 |
$3,600 |
5.99% |
1.00% |
August 16, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841734. Member loan 841734 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,500 / month |
Current employer: | Staples | Debt-to-income ratio: | 20.32% |
Length of employment: | 3 years | Location: | Anaheim , CA |
Home town: | |||
Current & past employers: | Staples | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,780.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 841749
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841749 |
$3,500 |
$3,500 |
8.49% |
1.00% |
August 16, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841749. Member loan 841749 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,200 / month |
Current employer: | dan marinos town tavern | Debt-to-income ratio: | 7.27% |
Length of employment: | 6 years | Location: | south miami , FL |
Home town: | |||
Current & past employers: | dan marinos town tavern | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,118.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 841875
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841875 |
$4,000 |
$4,000 |
13.49% |
1.00% |
August 10, 2011 |
August 18, 2016 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841875. Member loan 841875 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,417 / month |
Current employer: | Westaff | Debt-to-income ratio: | 19.65% |
Length of employment: | 5 years | Location: | PLATTSBURGH, NY |
Home town: | |||
Current & past employers: | Westaff | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > Consolidation Loan
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,794.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 46.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 841907
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
841907 |
$4,400 |
$4,400 |
5.99% |
1.00% |
August 16, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 841907. Member loan 841907 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,000 / month |
Current employer: | San Bernardino City Unified School Distr | Debt-to-income ratio: | 8.43% |
Length of employment: | 10+ years | Location: | Crestline, CA |
Home town: | |||
Current & past employers: | San Bernardino City Unified School Distr | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,638.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 11.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 842052
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842052 |
$14,000 |
$14,000 |
15.62% |
1.00% |
August 12, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842052. Member loan 842052 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,667 / month |
Current employer: | Ford Motor Co. | Debt-to-income ratio: | 17.29% |
Length of employment: | 10+ years | Location: | Detroit, MI |
Home town: | |||
Current & past employers: | Ford Motor Co. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > To consolidate and reduce two high interest credit cards over 28%. To eliminate excessive credit card debt. I have been paying about $700 / mnth on these two debts. I have a long credit history of paying off debt accumulation. I'm one of a few in a new area / product of our plant.
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 10 |
Revolving Credit Balance: | $30,772.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 92.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage - $654, 2nd - $142, Elec&Gas - $105, Water - $65, Tele -$60, Cell & Cable - $200, Home/Car/Liab/Life Insur - $349, Fed/St/Local taxes - $610, Property Taxes - $135, Van - $225, United Fund - $50, Alarm - $95/quarter, timesh - $1300/yrly |
Please explain the reason why you carry a large revolving credit balance. | Some car, van and misc one time expenses, some rental property fixup expenses, but mainly real estate, bus credit and forex courses / mentoring. I have already paid down the 30% card down to 12k from 15k. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Cred Card $11,630 %29.99 $421 Bus Cred $ 4,020 %27.24 $140 Cred Card $ 8,100 13.99 $180 Cred Card $10,900 9.99 $225 Van Loan $ 8,200 9.0 $225 401k Loan $36,000 8.0 $690 |
If you have a delinquency in the last 2 years, please explain the reason. | Shown late on credit due to mix up on rental short sale paper work. |
Which debts do you plan to pay off with this loan? | Two high interest cards, 30% and 27%. |
If you have a delinquency in the last 2 years, please explain the reason. | Shown late on credit due to mix up on rental short sale paper work. |
If you have a delinquency in the last 2 years, please explain the reason. | Shown late on credit due to mix up on rental short sale paper work. |
Which debts do you plan to pay off with this loan? | Two high interest cards, 30% and 27%. |
If you have a delinquency in the last 2 years, please explain the reason. | Shown late on credit due to mix up on rental short sale paper work. |
Member Payment Dependent Notes Series 842054
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842054 |
$13,600 |
$13,600 |
11.99% |
1.00% |
August 16, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842054. Member loan 842054 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,083 / month |
Current employer: | Warner Bros. Film Distribution Inc | Debt-to-income ratio: | 3.76% |
Length of employment: | 10+ years | Location: | north hollywood, CA |
Home town: | |||
Current & past employers: | Warner Bros. Film Distribution Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/04/11 > I am not sure what I'm suppsed to put here except that I'm extremely reliable. Get nice bonuses, throughout the yr, in addition to my set salary. My career is secure and going well. I look forward to working with you! Thank you! Borrower added on 08/05/11 > To clarify, I make a good salary and have low monthly expenses. I'll easily make the monthly payments. It is well within my budget. I am just trying to consolidate my debt & pay off at a lower interest rate. Borrower added on 08/06/11 > I've been getting the fair question that is something to the effect of "If you're so responsible and reliable, then how did this debt develop." Needless to say I have had my moments of irresponisibility but never at anyone else's expense. I have never missed a payment & when I make payments, they are on-time! A little over a decade, ago, I changed careers & cities. Starting over, at the bottom, moving, dealing with some unexpected health issues, that are now in the past, as well as some really unfortunate and unusual car problems... well, over times debt adds up till you finally make a salary that get help you dig out of the hole. I have that salary, now, and I'm on track. I will easily be able to make these payments.
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 69 |
Revolving Credit Balance: | $10,044.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 72.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I own my car, outright. My rent is 1,057, per mo. No student loans. My monthly expenses are low. I have 10,000 and change in credit card debt and wish to consolidate and lower the interest rate, which is in the high teens. I am just trying to get it together and pay everything off, in the most efficient & affordable way, possible. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My rent is low, 1,057. My debt is about 10,000. I'm wanting to consolidate and lower the interest rate. I own my car, outright. I don't have to drive for work. My monthly expenses are low. |
Which debts do you plan to pay off with this loan? | credit cards. i'm finally making good money, but changed careers and cities a little over a decade ago and car repairs, moving expenses, medical bills and so on... they can de-rail a budget, over time, and before you know it, credit card debt built-up. But, my career has really taken and up-swing, the last couple of yrs, and I'm getting all ducks in a row. Hope that helps. I'll be able to make my payments to this loan, easily. I just want to pay off my debt at a more reasonable interest rate. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | credit cards. i'm finally making good money, but changed careers and cities a little over a decade ago and car repairs, moving expenses, medical bills and so on... they can de-rail a budget, over time, and before you know it, credit card debt built-up. But, my career has really taken and up-swing, the last couple of yrs, and I'm getting all ducks in a row. Hope that helps. I'll be able to make my payments to this loan, easily. I just want to pay off my debt at a more reasonable interest rate. |
If you have a delinquency in the last 2 years, please explain the reason. | I've NEVER had a delinquency. |
If you have a public record on file, please briefly explain the event and its resolution. | Never been late on a payment. Never missed a payment. Never had any trouble with the law. |
Please explain the reason why you carry a large revolving credit balance. | credit cards. i'm finally making good money, but changed careers and cities a little over a decade ago and car repairs, moving expenses, medical bills and so on... they can de-rail a budget, over time, and before you know it, credit card debt built-up. But, my career has really taken and up-swing, the last couple of yrs, and I'm getting all ducks in a row. Hope that helps. I'll be able to make my payments to this loan, easily. I just want to pay off my debt at a more reasonable interest rate. |
What is your intended use for the loan proceeds? | Debt consolidation. I wish to stramline and pay it off, quickly, and at a lower interest rate. |
What is your intended use for the loan proceeds? | Debt consolidation. I wish to stramline and pay it off, quickly, and at a lower interest rate. |
Member Payment Dependent Notes Series 842058
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842058 |
$2,800 |
$2,800 |
6.99% |
1.00% |
August 17, 2011 |
August 18, 2014 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842058. Member loan 842058 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,400 / month |
Current employer: | Echo Bay Minerals | Debt-to-income ratio: | 15.44% |
Length of employment: | < 1 year | Location: | Republic, WA |
Home town: | |||
Current & past employers: | Echo Bay Minerals | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > I have a very stable job.I am a responsible borrower who will not default on payments, and I have a substantial budget that will allow me to make timely payments. I plan to use this loan in purchasing a horse.
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | 25 |
Revolving Credit Balance: | $632.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 7.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To buy a horse. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My expenses include student loan, phone, line of credit. |
Member Payment Dependent Notes Series 842083
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842083 |
$13,650 |
$13,650 |
23.59% |
1.00% |
August 11, 2011 |
August 18, 2016 |
August 18, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842083. Member loan 842083 was requested on August 4, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,333 / month |
Current employer: | Medco | Debt-to-income ratio: | 15.42% |
Length of employment: | 3 years | Location: | Mount Laurel, NJ |
Home town: | |||
Current & past employers: | Medco | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 4, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 27 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $20,081.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Restructure my debt and combine 2 of my highest credit card balances into one balance and one payment. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The 2 highest credit card balances has a total of about $20,000. One is at 20%, the other is 12%. I have about $60K in student loans which are deferred at this time as I am pursuing a MBA. No mortgage. |
Which debts do you plan to pay off with this loan? | The 2 highest credit card balances have a total of about $20,000. The apr's are 20% and the other is 12%. |
Please explain the reason why you carry a large revolving credit balance. | Wedding expenses. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The 2 highest credit card balances has a total of about $20,000. One is at 20%, the other is 12%. I have about $60K in student loans which are deferred at this time as I am pursuing a MBA. No mortgage. |
Which debts do you plan to pay off with this loan? | The 2 highest credit card balances have a total of about $20,000. The apr's are 20% and the other is 12%. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The 2 highest credit card balances has a total of about $20,000. One is at 20%, the other is 12%. I have about $60K in student loans which are deferred at this time as I am pursuing a MBA. No mortgage. |
Please explain the reason why you carry a large revolving credit balance. | Wedding expenses. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The 2 highest credit card balances has a total of about $20,000. One is at 20%, the other is 12%. I have about $60K in student loans which are deferred at this time as I am pursuing a MBA. No mortgage. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $800-$900/month |
Member Payment Dependent Notes Series 842322
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842322 |
$3,000 |
$3,000 |
8.49% |
1.00% |
August 16, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842322. Member loan 842322 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,417 / month |
Current employer: | Castfire | Debt-to-income ratio: | 9.18% |
Length of employment: | 1 year | Location: | Ogden, UT |
Home town: | |||
Current & past employers: | Castfire | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
I have fairly good interest rates on most of my debts (under 10%apr) except for one card, which I used to fund a failed business a few years back ($1034) and one from a family member which was used for misc expenses. ($1400) My current monthly budget is basically $900 for rent, I have a car loan which costs about $250, and then with all of the other credit cards combined (minus the ones this is going to take care of) I pay about $225. I have cable, internet, cell phones, power, water, which (I'm estimating) total out to be about $350. As far as job stability goes, my startup has a bunch of notable clients, and our revenue is pretty equally spread out amongst our customer base. I don't expect my job to be in jeopardy in the short term. If I were to lose my job, I'm also a programmer, so I'm confident I could find a well-paying job without incident. Happy to answer any questions. Thanks for reading!
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | 42 |
Revolving Credit Balance: | $8,736.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | From the description: My current monthly budget is basically $900 for rent, I have a car loan which costs about $250, and then with all of the other credit cards combined (minus the ones this is going to take care of) I pay about $225. I have cable, internet, cell phones, power, water, which (I'm estimating) total out to be about $350. Total spend: 1825 on expected expenses. We pay our insurance on a yearly basis. |
Member Payment Dependent Notes Series 842347
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842347 |
$1,800 |
$1,800 |
20.25% |
1.00% |
August 11, 2011 |
August 19, 2016 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842347. Member loan 842347 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,667 / month |
Current employer: | GT Electrical | Debt-to-income ratio: | 2.63% |
Length of employment: | 2 years | Location: | Richmond Hill, NY |
Home town: | |||
Current & past employers: | GT Electrical | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > I am using these funds for the purpose of debt consolidation and lowering my monthly payments. I have never had a late payment and I have a steady job with very good income. I am an excellent borrower with no bad history. Thank You Thank you
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | 47 |
Revolving Credit Balance: | $1,181.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 53.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | The loan proceeds will be used for debt consolidation. Thank You. |
Member Payment Dependent Notes Series 842402
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842402 |
$3,200 |
$3,200 |
5.99% |
1.00% |
August 12, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842402. Member loan 842402 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,833 / month |
Current employer: | Motorola Solutions, Inc. | Debt-to-income ratio: | 14.58% |
Length of employment: | 10+ years | Location: | Shirley, NY |
Home town: | |||
Current & past employers: | Motorola Solutions, Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > Purpose of the loan is to pay off an existing 40k loan balance. Then the idea is to borrow a larger amount from the 401k (self funding) to pay off larger debt, possibly including this loan. null
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $35,087.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 74.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 842502
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842502 |
$12,000 |
$12,000 |
11.99% |
1.00% |
August 17, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842502. Member loan 842502 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,333 / month |
Current employer: | St. Johns Mercy Medical Center | Debt-to-income ratio: | 7.86% |
Length of employment: | 5 years | Location: | St. Peters, MO |
Home town: | |||
Current & past employers: | St. Johns Mercy Medical Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > credit card consolodation Borrower added on 08/05/11 > credit card debt consolidation
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1986 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $21,258.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 78.20% | Months Since Last Record: | 101 |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | husband had lost job, |
If you have a public record on file, please briefly explain the event and its resolution. | please explain more on public record file |
Member Payment Dependent Notes Series 842558
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842558 |
$12,800 |
$12,800 |
7.49% |
1.00% |
August 16, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842558. Member loan 842558 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,667 / month |
Current employer: | California Business Solutions | Debt-to-income ratio: | 15.34% |
Length of employment: | 6 years | Location: | Temecula, CA |
Home town: | |||
Current & past employers: | California Business Solutions | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $127.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | We don't really. We use our American Express Gold Cards for all of our purchases (groceries, gas etc etc) it has to be paid off every month and is, but by paying for things that way instead of with cash or a check card we get membership rewards points that we can (and have) cashed in for vacations and other assorted goods. Depending on when the payment is due it may show on a credit report that there is a balance, but if you know how AMEX (green, gold and platinum) cards work, you know they must be paid in full each month and ours are. |
What is your intended use for the loan proceeds? | I have an unsecured loan from Discover Personal Loans with a much higher interest rate. It has a balance of about $8000 and the payment is $341/month (which I have been making for 4 years) I intend to pay that off, along with a few smaller credit card balances. With the money left over I plan to pay for the cost of my wife giving birth. Likely we wont need as much as I am borrowing, in which case I will repay the loan faster. It is a good plan for us because it is lower interest and the payment is only about $50 more a month that what we have been paying so it is quite affordable. |
Which debts do you plan to pay off with this loan? | I have an unsecured loan from Discover Personal Loans with a much higher interest rate. It has a balance of about $8000 and the payment is $341/month (which I have been making for 4 years) I intend to pay that off, along with a few smaller credit card balances. With the money left over I plan to pay for the cost of my wife giving birth. Likely we wont need as much as I am borrowing, in which case I will repay the loan faster. It is a good plan for us because it is lower interest and the payment is only about $50 more a month that what we have been paying so it is quite affordable. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I have an unsecured loan from Discover Personal Loans with a much higher interest rate. It has a balance of about $8000 and the payment is $341/month (which I have been making for 4 years) I intend to pay that off, along with a few smaller credit card balances. With the money left over I plan to pay for the cost of my wife giving birth. Likely we wont need as much as I am borrowing, in which case I will repay the loan faster. It is a good plan for us because it is lower interest and the payment is only about $50 more a month that what we have been paying so it is quite affordable. |
What is your intended use for the loan proceeds? | I have an unsecured loan from Discover Personal Loans with a much higher interest rate. It has a balance of about $8000 and the payment is $341/month (which I have been making for 4 years) I intend to pay that off, along with a few smaller credit card balances. With the money left over I plan to pay for the cost of my wife giving birth. Likely we wont need as much as I am borrowing, in which case I will repay the loan faster. It is a good plan for us because it is lower interest and the payment is only about $50 more a month that what we have been paying so it is quite affordable. |
Which debts do you plan to pay off with this loan? | I have an unsecured loan from Discover Personal Loans with a much higher interest rate. It has a balance of about $8000 and the payment is $341/month (which I have been making for 4 years) I intend to pay that off, along with a few smaller credit card balances. With the money left over I plan to pay for the cost of my wife giving birth. Likely we wont need as much as I am borrowing, in which case I will repay the loan faster. It is a good plan for us because it is lower interest and the payment is only about $50 more a month that what we have been paying so it is quite affordable. |
What is your intended use for the loan proceeds? | I have an unsecured loan from Discover Personal Loans with a much higher interest rate. It has a balance of about $8000 and the payment is $341/month (which I have been making for 4 years) I intend to pay that off, along with a few smaller credit card balances. With the money left over I plan to pay for the cost of my wife giving birth. Likely we wont need as much as I am borrowing, in which case I will repay the loan faster. It is a good plan for us because it is lower interest and the payment is only about $50 more a month that what we have been paying so it is quite affordable. |
Which debts do you plan to pay off with this loan? | I have an unsecured loan from Discover Personal Loans with a much higher interest rate. It has a balance of about $8000 and the payment is $341/month (which I have been making for 4 years) I intend to pay that off, along with a few smaller credit card balances. With the money left over I plan to pay for the cost of my wife giving birth. Likely we wont need as much as I am borrowing, in which case I will repay the loan faster. It is a good plan for us because it is lower interest and the payment is only about $50 more a month that what we have been paying so it is quite affordable. |
What is your intended use for the loan proceeds? | I have an unsecured loan from Discover Personal Loans with a much higher interest rate. It has a balance of about $8000 and the payment is $341/month (which I have been making for 4 years) I intend to pay that off, along with a few smaller credit card balances. With the money left over I plan to pay for the cost of my wife giving birth. Likely we wont need as much as I am borrowing, in which case I will repay the loan faster. It is a good plan for us because it is lower interest and the payment is only about $50 more a month that what we have been paying so it is quite affordable. |
What is your intended use for the loan proceeds? | I have an unsecured loan from Discover Personal Loans with a much higher interest rate. It has a balance of about $8000 and the payment is $341/month (which I have been making for 4 years) I intend to pay that off, along with a few smaller credit card balances. With the money left over I plan to pay for the cost of my wife giving birth. Likely we wont need as much as I am borrowing, in which case I will repay the loan faster. It is a good plan for us because it is lower interest and the payment is only about $50 more a month that what we have been paying so it is quite affordable. |
If you have a delinquency in the last 2 years, please explain the reason. | I do not have any delinquency, according to Experian my credit score is 771. |
What is your intended use for the loan proceeds? | I have an unsecured loan from Discover Personal Loans with a much higher interest rate. It has a balance of about $8000 and the payment is $341/month (which I have been making for 4 years) I intend to pay that off, along with a few smaller credit card balances. With the money left over I plan to pay for the cost of my wife giving birth. Likely we wont need as much as I am borrowing, in which case I will repay the loan faster. It is a good plan for us because it is lower interest and the payment is only about $50 more a month that what we have been paying so it is quite affordable. |
Member Payment Dependent Notes Series 842643
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842643 |
$4,500 |
$4,500 |
13.49% |
1.00% |
August 16, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842643. Member loan 842643 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,000 / month |
Current employer: | BNSF Burlington Norther Santa Fe | Debt-to-income ratio: | 23.02% |
Length of employment: | < 1 year | Location: | Enid, OK |
Home town: | |||
Current & past employers: | BNSF Burlington Norther Santa Fe | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 37 |
Revolving Credit Balance: | $1,875.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please provide additional details regarding the purpose of the loan | I want to buy a truck and also some upgrades for it such as tune up service and new tires. |
Please explain the reason why you carry a large revolving credit balance. | I'm not sure how to answer that but I know I make enough where I'm not putting myself short on money. |
Member Payment Dependent Notes Series 842652
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842652 |
$3,325 |
$3,325 |
5.42% |
1.00% |
August 12, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842652. Member loan 842652 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,160 / month |
Current employer: | honda of america manufacturing | Debt-to-income ratio: | 25.70% |
Length of employment: | 10+ years | Location: | GALLOWAY, OH |
Home town: | |||
Current & past employers: | honda of america manufacturing | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > I plane to use the funds to purchase a travel trailer on ebay. I am a long time homeowner with the same steady job for 16 years. null Borrower added on 08/08/11 > I have a very good credit score and have paid off a number of major purchases, with not one negative report! Borrower added on 08/09/11 > I found the perfect travel trailer I want to puchase! I want to buy it this Thrusday Aug 11th! null
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 43 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $18,004.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 24.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 842775
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842775 |
$7,000 |
$7,000 |
11.99% |
1.00% |
August 15, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842775. Member loan 842775 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,833 / month |
Current employer: | Summit Mailing & Shipping Systems | Debt-to-income ratio: | 15.42% |
Length of employment: | 10+ years | Location: | Edmond, OK |
Home town: | |||
Current & past employers: | Summit Mailing & Shipping Systems | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Thank you for reviewing and potentially investing in my loan. <br><br> 3.5 years ago after my father passing I decided to become a healthier individual and have lost in excess of 140lbs. Though I am extremely excited about the weight loss, the excess skin has caused significant difficulties. <br><br> I am a stable individually, born, raised and still live in the same community. I am an executive in a local small business, having worked for this company for almost 15 years. <br><br> I use mvelopes.com to manage my monthly budget so I do have precise numbers, but as estimates: <br><br> Monthly Base Net Income: $7,600 plus commission/bonus quarterly and annually <br><br> Mortgage Payment $2519 <br><br> Auto $775 <br><br> Student Loan $121 <br><br> Auto Insurance $141 <br><br> Utilities $200 (has been slightly higher with extremely high temperatures) <br><br> Gas $150 <br><br> Food/Groceries $350 <br><br> All Credit Cards are paid off <br><br> The total cost of my surgery is $14,000. I will be paying cash from savings for 50% of the procedure.
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 45 | Months Since Last Delinquency: | 26 |
Revolving Credit Balance: | $1,577.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 11.80% | Months Since Last Record: | 92 |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 842807
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842807 |
$7,000 |
$7,000 |
7.49% |
1.00% |
August 15, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842807. Member loan 842807 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,000 / month |
Current employer: | walmart distribution | Debt-to-income ratio: | 18.83% |
Length of employment: | 2 years | Location: | schuyler lake, NY |
Home town: | |||
Current & past employers: | walmart distribution | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > I am looking to buy a more fuel efficient vehicle as I drive about 400 miles a week. My current truck only gets 18 mpg, so my fuel costs almost as much as my car payment
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,158.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 8.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 842865
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842865 |
$8,500 |
$8,500 |
11.49% |
1.00% |
August 15, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842865. Member loan 842865 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,083 / month |
Current employer: | AT&T | Debt-to-income ratio: | 13.26% |
Length of employment: | 10+ years | Location: | Tyrone, GA |
Home town: | |||
Current & past employers: | AT&T | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | 29 |
Revolving Credit Balance: | $4,358.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 42.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | No, never had a delinquency. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My total montly expenses is $2609.87. |
If you have a delinquency in the last 2 years, please explain the reason. | No, never had a delinquency. |
Member Payment Dependent Notes Series 842876
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842876 |
$6,000 |
$6,000 |
10.99% |
1.00% |
August 15, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842876. Member loan 842876 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,750 / month |
Current employer: | CMA Cablevision | Debt-to-income ratio: | 24.53% |
Length of employment: | 10+ years | Location: | Laughlin , NV |
Home town: | |||
Current & past employers: | CMA Cablevision | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > Pay off for credit cards null
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,707.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 36.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 1156.00 mortgage 240 line of credit 600 a month in credit cards 450 a month car payment |
Member Payment Dependent Notes Series 842961
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842961 |
$3,500 |
$3,500 |
18.39% |
1.00% |
August 16, 2011 |
August 19, 2016 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842961. Member loan 842961 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,720 / month |
Current employer: | Bergman eye center | Debt-to-income ratio: | 3.09% |
Length of employment: | 3 years | Location: | Hagerstown, MD |
Home town: | |||
Current & past employers: | Bergman eye center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 2 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 6 | Months Since Last Delinquency: | 53 |
Revolving Credit Balance: | $3,431.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 49.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Why are you doing this green project? | I recently went on a mission trip to Honduras and I want to do what I can to help even though I am living in the USA. To buy a small piece of land and have a house built a house it cost around $5000.00. When I was there I was exposed to severe poverty and I feel moved to do something about it. I thought it would be smart to build my credit at the same time. Thank you for your interest, Mark Bergman |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Monthly expenses: rent=$0.00 living with parents while I am a part time student as well as working full time. Utilities=$0.00 for the same reason. Phone=$70.00 per month. Insurance=$89.00 per month. Food=$250.00 per month. Entertainment=$150.00 per month. Thank you for your interest, Mark Bergman |
What is your intended use for the loan proceeds? | I recently went on a mission trip to Honduras and I was exposed to some severe poverty. I really feel moved to do something about it even though I am living here in the USA. I do plan on going back next year, until then I found out that for about $5000.00 I can buy a small piece of land and have a house built for a two families I met there that are involved with the orphanage I was working at while I was there. Thank you for your interest, Mark Bergman |
What is your intended use for the loan proceeds? | I recently went on a mission trip to Honduras and I was exposed to some severe poverty. I really feel moved to do something about it even though I am living here in the USA. I do plan on going back next year, until then I found out that for about $5000.00 I can buy a small piece of land and have a house built for a two families I met there that are involved with the orphanage I was working at while I was there. Thank you for your interest, Mark Bergman |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Monthly expenses: rent=$0.00 living with parents while I am a part time student as well as working full time. Utilities=$0.00 for the same reason. Phone=$70.00 per month. Insurance=$89.00 per month. Food=$250.00 per month. Entertainment=$150.00 per month. Thank you for your interest, Mark Bergman |
Why are you doing this green project? | I recently went on a mission trip to Honduras and I want to do what I can to help even though I am living in the USA. To buy a small piece of land and have a house built a house it cost around $5000.00. When I was there I was exposed to severe poverty and I feel moved to do something about it. I thought it would be smart to build my credit at the same time. Thank you for your interest, Mark Bergman |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The funds will be split, The cost of a piece of property and building a small home in Honduras costs $5000.00 each. So the full loan amount would build two homes for two very gratefull needy families. Also the left over $3000.00 will cover the cost of plane tickets for a mission group to go back next summer. Some people are not able to come up with the money for going on a trip but they really want to go. Last trip was ten days long. Next summer I would like to extend it to a month if posable, It's an amazing thing to help people in need, Thank you for your interest, Mark Bergman |
Why are you doing this green project? | I recently went on a mission trip to Honduras and I want to do what I can to help even though I am living in the USA. To buy a small piece of land and have a house built a house it cost around $5000.00. When I was there I was exposed to severe poverty and I feel moved to do something about it. I thought it would be smart to build my credit at the same time. Thank you for your interest, Mark Bergman |
What is your intended use for the loan proceeds? | I recently went on a mission trip to Honduras and I was exposed to some severe poverty. I really feel moved to do something about it even though I am living here in the USA. I do plan on going back next year, until then I found out that for about $5000.00 I can buy a small piece of land and have a house built for a two families I met there that are involved with the orphanage I was working at while I was there. Thank you for your interest, Mark Bergman |
What is your intended use for the loan proceeds? | I recently went on a mission trip to Honduras and I was exposed to some severe poverty. I really feel moved to do something about it even though I am living here in the USA. I do plan on going back next year, until then I found out that for about $5000.00 I can buy a small piece of land and have a house built for a two families I met there that are involved with the orphanage I was working at while I was there. Thank you for your interest, Mark Bergman |
Why are you doing this green project? | I recently went on a mission trip to Honduras and I want to do what I can to help even though I am living in the USA. To buy a small piece of land and have a house built a house it cost around $5000.00. When I was there I was exposed to severe poverty and I feel moved to do something about it. I thought it would be smart to build my credit at the same time. Thank you for your interest, Mark Bergman |
Member Payment Dependent Notes Series 842968
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842968 |
$3,600 |
$3,600 |
5.99% |
1.00% |
August 12, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842968. Member loan 842968 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,167 / month |
Current employer: | Collision Centers of NH | Debt-to-income ratio: | 13.25% |
Length of employment: | 5 years | Location: | Milford, NH |
Home town: | |||
Current & past employers: | Collision Centers of NH | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > Flooring for upstairs rooms
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 47 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $521.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Hello, New flooring in the upstairs rooms. Hope that helps Thanks |
Member Payment Dependent Notes Series 842971
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
842971 |
$6,000 |
$6,000 |
10.99% |
1.00% |
August 11, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 842971. Member loan 842971 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $18,750 / month |
Current employer: | Royal Bank of Scotland | Debt-to-income ratio: | 5.51% |
Length of employment: | < 1 year | Location: | Rye, NY |
Home town: | |||
Current & past employers: | Royal Bank of Scotland | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/05/11 > To purchase second vehicle for work commute. Recently began working in CT after having taken the train into NYC for many years.
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $25,555.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 91.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Hi. It's a by-product of where we live and family choices we made. |
Please explain the reason why you carry a large revolving credit balance. | Hi. It's a by-product of where we live and family choices we made. |
Please explain the reason why you carry a large revolving credit balance. | Hi. It's a by-product of where we live and family choices we made. |
What are the balances, interest rates, and monthly payments on any other auto obligations? | Around 13k. 5.23%. $391 per month, |
Member Payment Dependent Notes Series 843064
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843064 |
$4,800 |
$4,800 |
10.99% |
1.00% |
August 15, 2011 |
August 19, 2014 |
August 19, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843064. Member loan 843064 was requested on August 5, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,550 / month |
Current employer: | Universityof California Davis | Debt-to-income ratio: | 14.15% |
Length of employment: | 10+ years | Location: | Fair Oaks, CA |
Home town: | |||
Current & past employers: | Universityof California Davis | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > Was planning to use this for a watercraft and if any left over, was going to pay off/down any Visa I had. Want to enjoy life more. I have never "not" paid any loan back in all my years of borrowing or defaulted. I work for University of Calfornia, Davis and have a very stable job. Don't plan to retire for at least another 7-10 years. Hope this helps.
A credit bureau reported the following information about this borrower member on August 5, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1973 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 44 | Months Since Last Delinquency: | 21 |
Revolving Credit Balance: | $13,010.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Actually to buy a watercraft; major type purpose. Could be collateral if needed. |
What is your intended use for the loan proceeds? | Actually to buy a watercraft; major type purpose. Could be collateral if needed. |
If you have a delinquency in the last 2 years, please explain the reason. | I could not get Citimortgage to restructure my loan. So I had to "stop paying" for 2-3 months to get them to restructure it. Once done, all is well; never was delinquent in my life prior to that . Same with I think HFC, was co-signer on that credit card, wanted a better interest rate. So purposely late on a payment; they listened, now closed account, my choice, and its 0% |
Member Payment Dependent Notes Series 843108
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843108 |
$4,000 |
$4,000 |
10.99% |
1.00% |
August 17, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843108. Member loan 843108 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,333 / month |
Current employer: | Detroit Diesel Corp. | Debt-to-income ratio: | 12.27% |
Length of employment: | 10+ years | Location: | Taylor, MI |
Home town: | |||
Current & past employers: | Detroit Diesel Corp. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > This is a unforseen debt, your service is appreciated... null
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,341.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 19.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To pay the Obama Revenue Service for back taxes... |
What is your intended use for the loan proceeds? | To pay the Obama Revenue Service for back taxes... |
Member Payment Dependent Notes Series 843173
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843173 |
$5,000 |
$5,000 |
11.49% |
1.00% |
August 11, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843173. Member loan 843173 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,506 / month |
Current employer: | U.S. Navy | Debt-to-income ratio: | 8.24% |
Length of employment: | 3 years | Location: | portsmouth, VA |
Home town: | |||
Current & past employers: | U.S. Navy | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > My loan will be used to pay off half of my car, therefore canceling the negative equity. That way I'll be able to trade it in and use the value of the car towards the purchase of a more cost efficient vehicle.
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2008 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 2 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 4 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $792.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 26.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
How much money are you providing out of pocket as a down payment for this purchase? | Out of pocket I will be provided $2,000.00 |
What type of vehicle are you buying (make, model, year, mileage and condition)? | 2010 Mazda Mazda6 I 4D Sedan 32,000 mi Very good condition |
Member Payment Dependent Notes Series 843193
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843193 |
$3,600 |
$3,600 |
5.99% |
1.00% |
August 16, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843193. Member loan 843193 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,000 / month |
Current employer: | Firsthealth of the carolinas | Debt-to-income ratio: | 12.54% |
Length of employment: | 1 year | Location: | Rockingham, NC |
Home town: | |||
Current & past employers: | Firsthealth of the carolinas | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > Need this loan to purchase a used truck. The truck will be a great asset remodeling my home. I've worked 18 yrs at a local hospital. I've always paid my bills and my credit is excellent.
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,533.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 2.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
How much money are you providing out of pocket as a down payment for this purchase? | I'm putting $2000.00 as a down payment |
Member Payment Dependent Notes Series 843247
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843247 |
$7,000 |
$7,000 |
20.99% |
1.00% |
August 11, 2011 |
August 20, 2016 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843247. Member loan 843247 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,000 / month |
Current employer: | Group 113 | Debt-to-income ratio: | 12.77% |
Length of employment: | 1 year | Location: | Woodside, NY |
Home town: | |||
Current & past employers: | Group 113 | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > Working full-time for over a year, would like to consolidate my debt: student loans, at-home office purchases: computer, scanner, printer, drafting table, etc.) null
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,962.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 38.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | Thanks for your question. I plan to pay off my student loans and bigger purchases I made for my at-home office: computer, scanner, drafting table, storage, etc.(debt on credit cards). |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I currently pay rent (no mortgages or home equities) which is divided between myself and other members of the household. Utilities are minimal as most of the day I am at my work-office. I am in walking distance from work so transportation costs are also minimal. I have a couple of lines of credits which I pay well over the minimal payments. Great credit. If I didn't, Lending Club wouldn't have approved this loan-- it is a thorough process. Thank you for your question! |
Member Payment Dependent Notes Series 843307
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843307 |
$5,175 |
$5,175 |
11.99% |
1.00% |
August 15, 2011 |
August 20, 2016 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843307. Member loan 843307 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,833 / month |
Current employer: | Lucky's Sports Bar | Debt-to-income ratio: | 4.93% |
Length of employment: | 8 years | Location: | palm harbor, FL |
Home town: | |||
Current & past employers: | Lucky's Sports Bar | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,301.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 42.30% | Months Since Last Record: | 89 |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have about 4500 in credit card debt between 3 different cards. Interest rates are between 17 and 20 percent. No other debt. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | About 1300. I can easily afford this loan. I took it to get a lower interest rate than what I had on my credit cards. Just trying to lessen the amount of interest that I'm paying. |
If you have a public record on file, please briefly explain the event and its resolution. | By public record, do you mean have I ever been arrested? No, I haven't. |
Member Payment Dependent Notes Series 843351
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843351 |
$35,000 |
$35,000 |
13.99% |
1.00% |
August 17, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843351. Member loan 843351 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $19,167 / month |
Current employer: | Sensor Concepts and Applications | Debt-to-income ratio: | 21.76% |
Length of employment: | 5 years | Location: | Middletown, MD |
Home town: | |||
Current & past employers: | Sensor Concepts and Applications | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > This loan is to pay off two high interest credit cards. After payoff these cards will be cancelled. I am currently paying $1800 per month on these two cards. The total of these two cards is $45,000. I will pay off the higher interest one and reduce the other one and make accellerated payments on it. Borrower added on 08/14/11 > I would like everyone to know that these credit cards were used for a business venture that failed and I refuse to file for bankruptcy. I will pay these credit cards of, which were used for mainly cash advances and have a high interest rate,over 20%. null
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1978 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $44,315.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 62.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is the total balance of your credit cards, interest rates and current monthly payments? | Total $46,000 Interest 18% $1,800 All family credit cards is $115,000 Interest 6.99 to 21.99 $4,000 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | $3600 |
What is your intended use for the loan proceeds? | Pay off two high interest credit cards with cash advances on them. |
Member Payment Dependent Notes Series 843398
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843398 |
$10,000 |
$10,000 |
13.49% |
1.00% |
August 15, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843398. Member loan 843398 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,595 / month |
Current employer: | U.S. Air Force | Debt-to-income ratio: | 16.69% |
Length of employment: | 8 years | Location: | Colorado Springs, CO |
Home town: | |||
Current & past employers: | U.S. Air Force | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | 25 |
Revolving Credit Balance: | $2,963.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 48.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards - Frontier (Barclays)- amount owed - 4997.66, not sure what interest rate is Chase - amount owed - 280.67 - percentage rate - 29.99 Line of Credit - Prime Acceptance Corp - amount owed - 2683.00 - APR - 21.00 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | trash/utilities - $120, phone/internet/cable - $150, Mortgage - $1106, Car insurance - $85, Security System - $50 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards - Frontier (Barclays)- amount owed - 4997.66, not sure what interest rate is Chase - amount owed - 280.67 - percentage rate - 29.99 Line of Credit - Prime Acceptance Corp - amount owed - 2683.00 - APR - 21.00 |
Member Payment Dependent Notes Series 843495
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843495 |
$3,000 |
$3,000 |
10.99% |
1.00% |
August 10, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843495. Member loan 843495 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,583 / month |
Current employer: | Moorpark College | Debt-to-income ratio: | 20.96% |
Length of employment: | 10+ years | Location: | Los Angeles, CA |
Home town: | |||
Current & past employers: | Moorpark College | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | 25 |
Revolving Credit Balance: | $1,531.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 40.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | part would be to pay off a higher interest credit card and part would be to pay off a few bills i have left from the summer. I worked less this summer then I have in the previous years. Making paying off the same bills difficult. However, i go back to a full work schedule next week. But I will have to wait a few weeks for that paycheck. Part of this loan would work as a bridge loan until i receive that paycheck. |
Member Payment Dependent Notes Series 843590
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843590 |
$3,000 |
$3,000 |
13.99% |
1.00% |
August 10, 2011 |
August 20, 2016 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843590. Member loan 843590 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,622 / month |
Current employer: | Ridewell Suspensions | Debt-to-income ratio: | 6.82% |
Length of employment: | < 1 year | Location: | Willard, MO |
Home town: | |||
Current & past employers: | Ridewell Suspensions | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/06/11 > We own 2 suv's and need a vehicle that gets better gas mileage. We are hard working and go to work everyday. We are cutting back where every we can but gas is so expensive every gallon saved will count.
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,972.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 71.70% | Months Since Last Record: | 105 |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a public record on file, please briefly explain the event and its resolution. | Not sure what that is? |
What type of vehicle are you buying (make, model, year, mileage and condition)? | we have narrowed it down to a 2002 ford focus or a 2001 chevy cavalier. both look almost show room cond. they are just under 100k, i work on cars and these two are the best running i have found. Just hope we are funded before they sell. |
Member Payment Dependent Notes Series 843621
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843621 |
$5,000 |
$5,000 |
11.49% |
1.00% |
August 12, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843621. Member loan 843621 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,250 / month |
Current employer: | 84 LUMBER | Debt-to-income ratio: | 5.02% |
Length of employment: | 6 years | Location: | riverhead, NY |
Home town: | |||
Current & past employers: | 84 LUMBER | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,837.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 41.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 843731
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843731 |
$3,625 |
$3,625 |
13.49% |
1.00% |
August 11, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843731. Member loan 843731 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $1,667 / month |
Current employer: | Dist 877 | Debt-to-income ratio: | 21.24% |
Length of employment: | 10+ years | Location: | buffalo, MN |
Home town: | |||
Current & past employers: | Dist 877 | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > This is for paying off credit card debt.
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,399.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I am getting on my feet after a divorce, want to pay off the credit cards so I can keep working 2 jobs, being a single mom and continue with my college to get my teaching degree. I have just returned to college this summer and have a 3.75 GPA after one summer session. I am 43 and going back to college is a wonderful opportunity for me, I want to pay off the credit cards to make my life less stressful. |
What is your intended use for the loan proceeds? | I am getting on my feet after a divorce, want to pay off the credit cards so I can keep working 2 jobs, being a single mom and continue with my college to get my teaching degree. I have just returned to college this summer and have a 3.75 GPA after one summer session. I am 43 and going back to college is a wonderful opportunity for me, I want to pay off the credit cards to make my life less stressful. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1000 |
Please explain the reason why you carry a large revolving credit balance. | My ex quit his job and had to survive |
Which debts do you plan to pay off with this loan? | All credit card |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards $1200 22.78% - $800 - 19% - $800 -19% - $1400 - 17.5% - $3300 - 9% Student loan $1000 not having to pay back til done with school Line of credit $4500 - 29% Mortgage $145000 -5% |
What is your intended use for the loan proceeds? | I am getting on my feet after a divorce, want to pay off the credit cards so I can keep working 2 jobs, being a single mom and continue with my college to get my teaching degree. I have just returned to college this summer and have a 3.75 GPA after one summer session. I am 43 and going back to college is a wonderful opportunity for me, I want to pay off the credit cards to make my life less stressful. |
Member Payment Dependent Notes Series 843757
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843757 |
$11,000 |
$11,000 |
13.49% |
1.00% |
August 15, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843757. Member loan 843757 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,417 / month |
Current employer: | D & L Parts Company Inc. | Debt-to-income ratio: | 13.94% |
Length of employment: | 6 years | Location: | Garner, NC |
Home town: | |||
Current & past employers: | D & L Parts Company Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > I need this loan to pay off my credit cards more efficiently, I would like to have one payment for all of them, instead of four payments all through out the month. My job is safe our company is one of the fortunate companys' that actually had our best year EVER this past year which in this economy is a miracle. As soon as I'm done paying off these credit cards I want to buy a house, which I plan to do much faster that three years from now. Which means I'm plan on paying back this loan a lot faster than three years, please approve me for the loan you not regret it! Thank you for considering me null
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $11,689.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 37.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $150, Cell phone $98, Gas $250, Food $450 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | chase cc $1,703 citicards $868 hsbc card $523 wells fargo cc $6,599 us bank cc 1,996 not sure the exact rates of all of them but I know they are all over 15.99% |
Member Payment Dependent Notes Series 843913
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843913 |
$15,000 |
$15,000 |
17.49% |
1.00% |
August 16, 2011 |
August 21, 2016 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843913. Member loan 843913 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $10,833 / month |
Current employer: | Coffee Distributing Corp. | Debt-to-income ratio: | 11.25% |
Length of employment: | 6 years | Location: | Coram, NY |
Home town: | |||
Current & past employers: | Coffee Distributing Corp. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > I plan on using this loan to consolidate credit card debt and to be debt free within 36 months. Borrower added on 08/07/11 > I have been at my job for 61/2 years.
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 65 |
Revolving Credit Balance: | $19,945.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 47.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is the total balance of your credit cards, interest rates and current monthly payments? | Discover - $4000. 22% - $200 AMEX - $4500 21.90% - $200 Cap On -$3000 22.90% - $200 HSBC - $3000 22.90% - $200 The payments are not minimums, but what I am currently paying. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent 1800, Transportation 450, Utilities 450, Insurance 150, Food 300. |
Please explain the reason why you carry a large revolving credit balance. | My wife was in nursing school. We used the credit cards to pay for school and licensing process. She is now a RN. We plan on paying off the credit cards and would like one payment that is easy to handle. Our goal is to pay off the loan in 36 months. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Total minimum for all credit cards is 650. The items listed prior would be completed paid with this loan. Thank you |
Member Payment Dependent Notes Series 843925
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
843925 |
$11,200 |
$11,200 |
13.99% |
1.00% |
August 16, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 843925. Member loan 843925 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,500 / month |
Current employer: | Sysco Foods | Debt-to-income ratio: | 20.04% |
Length of employment: | 4 years | Location: | Naples, FL |
Home town: | |||
Current & past employers: | Sysco Foods | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/10/11 > I am using these funds for credit card consolidation, I have a good job and will be a great borrower. I always pay my bills on time and I thank you for your partnership in this great opportunity.
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | 36 |
Revolving Credit Balance: | $14,447.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 88.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have $13,000 in credit card debt that I have been paying high interest rates (as high as 29.9%) Monthly right now minimum payments equal about 450.00/month. |
Member Payment Dependent Notes Series 844000
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844000 |
$4,500 |
$4,500 |
17.49% |
1.00% |
August 15, 2011 |
August 21, 2016 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844000. Member loan 844000 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,583 / month |
Current employer: | Walmart | Debt-to-income ratio: | 22.17% |
Length of employment: | 4 years | Location: | LEAVENWORTH, KS |
Home town: | |||
Current & past employers: | Walmart | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | 6 |
Revolving Credit Balance: | $1,469.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 36.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 844008
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844008 |
$8,000 |
$8,000 |
11.99% |
1.00% |
August 15, 2011 |
August 20, 2014 |
August 20, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844008. Member loan 844008 was requested on August 6, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,400 / month |
Current employer: | Equilibrium IT Solutions | Debt-to-income ratio: | 17.31% |
Length of employment: | 7 years | Location: | Schaumburg, IL |
Home town: | |||
Current & past employers: | Equilibrium IT Solutions | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 6, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | 65 |
Revolving Credit Balance: | $18,543.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 74.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 844022
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844022 |
$18,000 |
$18,000 |
13.49% |
1.00% |
August 16, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844022. Member loan 844022 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,500 / month |
Current employer: | IQNavigator | Debt-to-income ratio: | 18.58% |
Length of employment: | 6 years | Location: | Aurora, CO |
Home town: | |||
Current & past employers: | IQNavigator | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > Some facts about myself: 1) Loan request is for family debt incurred by a health incident. Health issue resolved and going strong as ever. 3) Used CC's to pay off medical bills. 4) Have no issues making payments on current CC debt now. In fact, I always pay extra. 5) Wish to consolidate to get better interest rate than what the CC's are at. Thank you for your consideration!
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,806.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 92.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Thank you for the question and a chance to provide better detail. Below is a breakdown of the unsecured debt I have accumulated and the interest rates that have gone up significantly on each credit card (even though I had never missed a payment or went over my limits). Credit Cards: CC1 - $5200 - 21% - $200/mo. CC2 - $6240 - 21% - $220/mo. CC3 - $2952 - 22% - $100/mo. CC4 - $2955 - 21% - $100/mo No mortgage One car loan: $13,000 - $550/mo. No lines of credit |
Member Payment Dependent Notes Series 844125
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844125 |
$12,000 |
$12,000 |
12.99% |
1.00% |
August 16, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844125. Member loan 844125 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $15,000 / month |
Current employer: | apexel corp | Debt-to-income ratio: | 22.30% |
Length of employment: | 10+ years | Location: | union, NJ |
Home town: | |||
Current & past employers: | apexel corp | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/11/11 > I HAVE NEVER DEFAULTED ON ANY OF MY DEBTS,IHAVE NEVER CLAIMED BANKRUPCY AND I AM WORKING 70 HOURS A WEEK TO TRY AND LOWER MY DEBT. THIS MONEY WOULD HELP GET RID OF SOME OF MY DEBT. Borrower added on 08/11/11 > I feel that i would be a low risk borrower because as you can see by credit report i am never late with payments and repaying this loan would come automaticly out of my bank account. i promise you i am not a dead beat and i do not take advantage of peoples generosity. my debt is because of helping my son and now i need some help. thank you
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $114,641.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | my mortgage is $1840.00 a month my auot come to $800.00 a month pluse $160.00 for insurance. my phone gas and electric combine average $425.00 monthly. |
Please explain the reason why you carry a large revolving credit balance. | medical emergencies and help son with his finances because of a divorce and his illness |
Which debts do you plan to pay off with this loan? | the irs and some credit debt |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | mortgage is $1840.00 Ihave a equity loan. i have visa, mastercards and an american express ccard than i am not using but trying to pay them down. |
What is your intended use for the loan proceeds? | pay an outstanding IRS balance and pay down some credit cards |
Please explain the reason why you carry a large revolving credit balance. | medical emergencies and help son with his finances because of a divorce and his illness |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | mortgage is $1840.00 Ihave a equity loan. i have visa, mastercards and an american express ccard than i am not using but trying to pay them down. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | mortgage is $1840.00 Ihave a equity loan. i have visa, mastercards and an american express ccard than i am not using but trying to pay them down. |
Which debts do you plan to pay off with this loan? | the irs and some credit debt |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | mortgage is $1840.00 Ihave a equity loan. i have visa, mastercards and an american express ccard than i am not using but trying to pay them down. |
If you have a delinquency in the last 2 years, please explain the reason. | i have nerver been late on any of my payments as you can see nby my credit report, i have never filled bankruptcy and have no court leins |
Please explain the reason why you carry a large revolving credit balance. | medical emergencies and help son with his finances because of a divorce and his illness |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | mortgage is $1840.00 Ihave a equity loan. i have visa, mastercards and an american express ccard than i am not using but trying to pay them down. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | my mortgage is $1840.00 a month my auot come to $800.00 a month pluse $160.00 for insurance. my phone gas and electric combine average $425.00 monthly. |
Please explain the reason why you carry a large revolving credit balance. | medical emergencies and help son with his finances because of a divorce and his illness |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | my mortgage payment is 1840.00 a month, my home equity payment is 770.00 per month my taxes are included in my mortgage payment along with my insurance. the totoal mortgage payment is 3680.00 but i own the house with my sister (two family dwelling) anf my prtion is 1840.00 per month. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | my portion of the mortage is 1840.00 a month and that includes the taxes and insurance. i own the house with my sister (two family dwelling) sothe total monthly payment is 3680.00 this makes my payment 1840.00 a month. |
Member Payment Dependent Notes Series 844156
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844156 |
$5,650 |
$5,650 |
15.99% |
1.00% |
August 12, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844156. Member loan 844156 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $1,667 / month |
Current employer: | Cocoa Beach Brewing Company | Debt-to-income ratio: | 10.92% |
Length of employment: | < 1 year | Location: | COCOA, FL |
Home town: | |||
Current & past employers: | Cocoa Beach Brewing Company | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > Consolidation of credit cards. Borrower added on 08/07/11 > I make my payments at least 1 week in advance. I have not been late on a payment in more than 5 years.
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 5 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,665.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 75.50% | Months Since Last Record: | 87 |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Mastercard $3,251.50 22.90% $90.00 Visa $421.00 25.24% $20.00 Visa $1,415.76 26.99% $49.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Roughly $650.00 for all my bills. |
What is your intended use for the loan proceeds? | Consolidation of credit cards. |
Member Payment Dependent Notes Series 844203
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844203 |
$10,000 |
$10,000 |
13.49% |
1.00% |
August 15, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844203. Member loan 844203 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,921 / month |
Current employer: | Pilot Chemical | Debt-to-income ratio: | 22.56% |
Length of employment: | 5 years | Location: | Liberty Twp, OH |
Home town: | |||
Current & past employers: | Pilot Chemical | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $25,415.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 73.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Pay off a loan against my 401K and some other small, high interest credit cards. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $2500 |
Which debts do you plan to pay off with this loan? | A loan taken out against my 401K and some small high interest credit cards. |
Which debts do you plan to pay off with this loan? | A loan taken out against my 401K and some small high interest credit cards. |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquency in the past 2 years. |
If you have a public record on file, please briefly explain the event and its resolution. | No public record. |
Member Payment Dependent Notes Series 844228
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844228 |
$4,000 |
$4,000 |
5.99% |
1.00% |
August 15, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844228. Member loan 844228 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,417 / month |
Current employer: | Morpheus Media a Createthe Group Company | Debt-to-income ratio: | 13.74% |
Length of employment: | 2 years | Location: | marlboro, NJ |
Home town: | |||
Current & past employers: | Morpheus Media a Createthe Group Company | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $713.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 15.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Can you specify which relocation expenses you are covering with this loan, and which other expenses you are paying out of pocket? | I will be paying for rent and deposit out of pocket. I would like this loan to help with renting a truck and so I have some additional money for any unexpected expenses. |
Member Payment Dependent Notes Series 844314
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844314 |
$3,600 |
$3,600 |
10.59% |
1.00% |
August 15, 2011 |
August 22, 2016 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844314. Member loan 844314 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,250 / month |
Current employer: | BC-BS of South Carolina | Debt-to-income ratio: | 19.30% |
Length of employment: | 4 years | Location: | COLUMBIA, SC |
Home town: | |||
Current & past employers: | BC-BS of South Carolina | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > I wish to borrow money to attend an investment and financial seminar and workshop. I am very hardworking and responsible about paying my bills but have not done as well managing and investing my money as I would like. I believe this seminar will help me so that next time I will be on the other end of this loan process. I appreciate your consideration and confidence in me and most certainly appreciate your help. null
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 66 |
Revolving Credit Balance: | $11,031.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 66.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 844364
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844364 |
$10,200 |
$10,200 |
20.62% |
1.00% |
August 16, 2011 |
August 21, 2016 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844364. Member loan 844364 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $17,917 / month |
Current employer: | Tom Petrus & Miller, LLLC | Debt-to-income ratio: | 5.29% |
Length of employment: | 3 years | Location: | Kamuela, HI |
Home town: | |||
Current & past employers: | Tom Petrus & Miller, LLLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | 14 |
Revolving Credit Balance: | $4,965.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 38.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | $1800. One payment includes mortgage, insurance and property taxes. |
What is your intended use for the loan proceeds? | Unanticipated tax bill. |
Please provide additional details regarding the purpose of the loan | Unanticipated tax bill. |
What is your intended use for the loan proceeds? | Unanticipated tax bill. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage, property taxes & insurance; $1800. Utilities: $400. Insurance: $150. Food: $600. |
What is your intended use for the loan proceeds? | Unanticipated tax bill. |
If you have a delinquency in the last 2 years, please explain the reason. | Should be only one, a mortgage payment in June 2010. Resulted from a mixup on my part. I usually make payments manually online, but inadvertently overlooked this payment. I was out of town and did not receive late notices (no email notices). I have since put by mortgage on auto pay. |
If you have a delinquency in the last 2 years, please explain the reason. | Should be only one, a mortgage payment in June 2010. Resulted from a mixup on my part. I usually make payments manually online, but inadvertently overlooked this payment. I was out of town and did not receive late notices (no email notices). I have since put by mortgage on auto pay. |
Member Payment Dependent Notes Series 844375
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844375 |
$2,600 |
$2,600 |
17.49% |
1.00% |
August 11, 2011 |
August 21, 2016 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844375. Member loan 844375 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,333 / month |
Current employer: | The Home Depot RDC 5086 | Debt-to-income ratio: | 13.02% |
Length of employment: | 2 years | Location: | Birmingham , AL |
Home town: | |||
Current & past employers: | The Home Depot RDC 5086 | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > If accepted and funded i plan on using this money to pay off all of my bills leaving this as my only bill of credit. All of my bills are paid on time and have never been late unless paid with a payment arrangement afer the due date. My monthly rate fluctuates depending on overtime and volume day to day. I started with this building before it opened and i've been there since going on two years in october. I truly appreciate the consideration for the loan and give my sincere thanks.
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,766.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 79.00% | Months Since Last Record: | 91 |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 844396
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844396 |
$5,000 |
$5,000 |
9.99% |
1.00% |
August 15, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844396. Member loan 844396 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,800 / month |
Current employer: | Grape Expectations Wine Bar | Debt-to-income ratio: | 15.50% |
Length of employment: | < 1 year | Location: | Garden City, MI |
Home town: | |||
Current & past employers: | Grape Expectations Wine Bar | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/11/11 > Objective of loan is to consolidate revolving credit balances at a lower apr. Balances are the result of moving expenses from a relocation to Michigan from Kansas.
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,089.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 22.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 4 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To consolidate debt from first financial bank usa and citi cards. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: 575.00; Utilities: 100.00; insurance: 35.00; phone: 68.00; transport: 70.00; food: 150.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 1stFBUSA: APR-29%; Pmt-150.00; Balance-3030; type-credit card CitiCard: APR-23.99%; Pmt-60.00; Balance-1786; type-credit card SallieMae: APR-5.5%; Pmt-10.00; Balance-29,653; plan-30 year income based repayment; type-student loan. |
Please explain the reason why you carry a large revolving credit balance. | I have 3029.53 at 29.9% 120.00 payment on first financial bank credit card, 1785.10 at 23% 60.00 payment on citi credit card, and 29,653 at approx 5.5% and 10.00/ month income based payment in student loans 30 year term. |
Member Payment Dependent Notes Series 844407
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844407 |
$25,000 |
$25,000 |
16.49% |
1.00% |
August 16, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844407. Member loan 844407 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,000 / month |
Current employer: | Frito-Lay | Debt-to-income ratio: | 18.18% |
Length of employment: | 7 years | Location: | carver, MA |
Home town: | |||
Current & past employers: | Frito-Lay | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > The purpose of this loan is to combine all my bills into one lower payment! Thanks!
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 52 |
Revolving Credit Balance: | $10,630.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 50.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 844517
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844517 |
$2,000 |
$2,000 |
15.99% |
1.00% |
August 11, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844517. Member loan 844517 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $800 / month |
Current employer: | Blades Salon | Debt-to-income ratio: | 15.63% |
Length of employment: | 4 years | Location: | ROANOKE, VA |
Home town: | |||
Current & past employers: | Blades Salon | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 6 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,515.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 57.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit card debt is $4000. (total balance is from several cards) interest is approx 19% on each card. I want to get the loan to have one payment instead of multiple payments. I did the math and it will save me quite a bit of money being able to pay off the cards. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | no rent, no mortage, insurance $50/month, cell phone $80/month |
Member Payment Dependent Notes Series 844527
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844527 |
$1,000 |
$1,000 |
11.99% |
1.00% |
August 10, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844527. Member loan 844527 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,900 / month |
Current employer: | Chase | Debt-to-income ratio: | 20.69% |
Length of employment: | 1 year | Location: | san antonio, TX |
Home town: | |||
Current & past employers: | Chase | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 66 |
Revolving Credit Balance: | $4,641.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 77.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 844536
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844536 |
$2,000 |
$2,000 |
5.42% |
1.00% |
August 11, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844536. Member loan 844536 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,917 / month |
Current employer: | n/a | Debt-to-income ratio: | 2.40% |
Length of employment: | 10+ years | Location: | versailles, KY |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 42 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $11,019.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 17.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 844615
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844615 |
$1,400 |
$1,400 |
14.79% |
1.00% |
August 10, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844615. Member loan 844615 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,000 / month |
Current employer: | walmart distribution center | Debt-to-income ratio: | 10.90% |
Length of employment: | 3 years | Location: | cottonwood, CA |
Home town: | |||
Current & past employers: | walmart distribution center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > For tile in my new home in my kitchen
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $556.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | about 1200 a month |
What is the home improvement project you are planning? | Tile in my kitchen just bought our first home 2 months ago |
What is your intended use for the loan proceeds? | Tile in my kitchen..thanks for the interest |
Member Payment Dependent Notes Series 844677
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844677 |
$11,200 |
$11,200 |
9.99% |
1.00% |
August 15, 2011 |
August 21, 2014 |
August 21, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844677. Member loan 844677 was requested on August 7, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,083 / month |
Current employer: | Konica Minolota | Debt-to-income ratio: | 24.16% |
Length of employment: | 10+ years | Location: | Houston, TX |
Home town: | |||
Current & past employers: | Konica Minolota | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/07/11 > The proceeds of this loan will be used, along with 2,150 from savings to retire 3 active loans; Wells Fargo 295.95/mo, Citibank 196.94/mo, and Toyota Financial 299.58/mo. The current payoff balance of the 3 loans is 13,089.00, which will save a net of 2,000 in interest as compared to the lower rate for this loan. With the net payment savings of 400 per month, I will be able to replace savings in just under 6 months, and continue to improve my total savings balance. This savings in monthly payment will also lower my debt to income ratio in preparation for a mortgage prequalification in January 2012 which should assist in securing a lower overall interest rate on the mortgage.
A credit bureau reported the following information about this borrower member on August 7, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 46 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $543.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I actually am not carrying any revolving credit balances longer than 30 days. As of the date this loan request was initiated, I only had 543.00 in revolving charges open and those balances have been paid in full. What I believe you actually are seeing on the credit report are the fixed rate loan amounts. The total monthly fixed rate payment is 1228.00, but after consolidation of 25,000.00 of the total with Discover Personal Loans @ 7.9% APR and consolidation of the remaning balance with this loan, I will be down to only 2 payments totalling 799.55 per month. This is where I am calculating cash flow savings of approx 400.00 per month as previously stated. The interest on the original loans ranged from 13.9 to 16.9, so the savings of refinancing to lower rates of 7.9 and 9.9 are substantial over the life of the loans. As you can tell from the income already verified by Lending Club, I have more than enough each month to continue servicing this lessor amount and will improve my net savings as a result. |
Please explain the reason why you carry a large revolving credit balance. | I actually am not carrying any revolving credit balances longer than 30 days. As of the date this loan request was initiated, I only had 543.00 in revolving charges open and those balances have been paid in full. What I believe you actually are seeing on the credit report are the fixed rate loan amounts. The total monthly fixed rate payment is 1228.00, but after consolidation of 25,000.00 of the total with Discover Personal Loans @ 7.9% APR and consolidation of the remaning balance with this loan, I will be down to only 2 payments totalling 799.55 per month. This is where I am calculating cash flow savings of approx 400.00 per month as previously stated. The interest on the original loans ranged from 13.9 to 16.9, so the savings of refinancing to lower rates of 7.9 and 9.9 are substantial over the life of the loans. As you can tell from the income already verified by Lending Club, I have more than enough each month to continue servicing this lessor amount and will improve my net savings as a result. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My current debt balance is 39K, comprised of 4 fixed rate loans with a monthly payment of 1228.00. I've already consolidated 25K with Discover Personal Loans at 7.9% and this loan with a small transfer from savings will consolidate the remaining balance at 9.99%. The combined payment after consolidation will drop to 799.55 per month, which is a savings in cash flow of approx 400.00 per month. Please feel free to ask any follow up questions you may have. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My current debt balance is 39K, comprised of 4 fixed rate loans with a monthly payment of 1228.00. I've already consolidated 25K with Discover Personal Loans at 7.9% and this loan with a small transfer from savings will consolidate the remaining balance at 9.99%. The combined payment after consolidation will drop to 799.55 per month, which is a savings in cash flow of approx 400.00 per month. Please feel free to ask any follow up questions you may have. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My current debt balance is 39K, comprised of 4 fixed rate loans with a monthly payment of 1228.00. I've already consolidated 25K with Discover Personal Loans at 7.9% and this loan with a small transfer from savings will consolidate the remaining balance at 9.99%. The combined payment after consolidation will drop to 799.55 per month, which is a savings in cash flow of approx 400.00 per month. Please feel free to ask any follow up questions you may have. |
Member Payment Dependent Notes Series 844824
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844824 |
$10,000 |
$10,000 |
15.99% |
1.00% |
August 15, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844824. Member loan 844824 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,000 / month |
Current employer: | United States Air Force | Debt-to-income ratio: | 21.60% |
Length of employment: | 4 years | Location: | Rosamond, CA |
Home town: | |||
Current & past employers: | United States Air Force | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > I believe I am a perfect candidate for a debt consolidation loan. I am a reliable, responsible young adult, who has a dependable job where I have worked for going on four years. Also this job is guaranteed because I signed a contract that will not expire until 2014, then I will I have the option to reenlist for another 6 years. I own a home, my mortgage is around $520.00 a month, but if you include my monthly taxes and insurance it then comes out to $718.36. My utilities range between $100.00 and $150.00 monthly. I intend to use this $10,000.00 loan to pay off all of my credit card debt, which in turn should raise my credit score. My goal is to have no revolving debt. Borrower added on 08/09/11 > I believe I am a perfect candidate for a debt consolidation loan. I am a reliable, responsible young adult, who has a dependable job where I have worked for going on four years. Also this job is guaranteed because I signed a contract that will not expire until 2014, then I will I have the option to reenlist for another 6 years. I own a home, my mortgage is around $520.00 a month, but if you include my monthly taxes and insurance it then comes out to $718.36. My utilities range between $100.00 and $150.00 monthly. I intend to use this $10,000.00 loan to pay off all of my credit card debt, which in turn should raise my credit score. My goal is to have no revolving debt.
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,245.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 53.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I pay $718 a month on my mortgage payment, including the insurance and taxes. Utilities range between $100.00 and $150.00 monthly. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have one personal loan; unfortunately I have seven credit cards. My credit card with the highest debt of $3,000.00 has a credit limit of $4250.00. I???m not sure what its minimum monthly payment is, I???ve always just had it set up to pull $100.00 a month. My next highest balance credit card has a balance of $2580.73 with a credit limit of $4150.00. Next is my credit card with a $1058.00 balance had a $2500.00 credit limit. Next is a $1900.00 credit limit with a balance of $900.00. Finally my last two credit cards, one with a limit of $500.00 one with of $300.00 are both padid off. |
Which debts do you plan to pay off with this loan? | First off i intend to pay off my pioneer loan, that company is such a rip off. Then i want to pay off each of my credit cards beginning with the ones with the highest interest rate. Somewhat like the the snow ball effect. If i get the $10,000.00 as i requested it should cover about 95% if not all of my credit card debt. |
What is your intended use for the loan proceeds? | With this loan i intend to pay off AS MUCH of my credit card as possible. Starting with my pioneer loan, then paying off my credit cards beginning with the ones with the highest interest rates. That should cover almost all of my credit card debt. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I dont pay rent, i own my home and my mortgage is $520.00 a month, $718.00 if you include taxes and insurance. I have one car, the monthly payment on it is about $350.00 and insurnance is $80.00. I pay $80.00 a month on my cell phone bill, although the bill is usually significantly less i like to have a little positive credit in the account. Plus it is set up through my banks bill pay that way im sure to always make my payment on time whether or not i get a bill in the mail. I unfortunately can not give an accurate number on how much i spend on food a month, it is not something i have sat down and actually budgeted, although i probably should. But most meals are cooked at home, and left overs taken for lunch. |
Please explain the reason why you carry a large revolving credit balance. | The main reason for my large revolving credit balances is because my two credit cards with the highest debts were used on major purchases such as appliances for my home i bought in june, which did not come with any appliances. So i did not have sufficient time to save, and unfortunately had to resort to credit cards. I also have purchased furntiure on them and major repairs to the home. I do not usually use my credit cards for every day living expenses such as gas, food, or shopping. |
Member Payment Dependent Notes Series 844877
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844877 |
$7,000 |
$7,000 |
15.62% |
1.00% |
August 16, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844877. Member loan 844877 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,083 / month |
Current employer: | Harding University | Debt-to-income ratio: | 20.17% |
Length of employment: | 6 years | Location: | searcy, AR |
Home town: | |||
Current & past employers: | Harding University | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > I have a good job that I enjoy the credit cards I would like to combine have raised the interest rate and even making more than the minimum it would take much longer to pay them off. I would use this loan at a lower interest rate to do this. null
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | 55 |
Revolving Credit Balance: | $4,631.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | My mortgage is 870.00 utilities are 375.00 insurance 200.00 per month property taxes are 500.00 per year |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have an Amazon.com credit card with a balance of 1500.00 monthly payment 40.00 Int 21%, a Chase credit card with a balance of 950.00 monthly payment 30.00 Int 22% and a U.S. Bank credit card with a balance of 3900.00 monthly payment 95.00 Int 22%. I am in my last semester of graduate school and have borrowed 39000.00 in student loans they will be due in May 2012 at 6.8%. |
Member Payment Dependent Notes Series 844892
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844892 |
$2,600 |
$2,600 |
20.25% |
1.00% |
August 17, 2011 |
August 22, 2016 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844892. Member loan 844892 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,317 / month |
Current employer: | maryland food center authority | Debt-to-income ratio: | 4.96% |
Length of employment: | 6 years | Location: | baltimore, MD |
Home town: | |||
Current & past employers: | maryland food center authority | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 9 | Months Since Last Delinquency: | 25 |
Revolving Credit Balance: | $2,927.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 40.70% | Months Since Last Record: | 72 |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a public record on file, please briefly explain the event and its resolution. | i have no public record on file |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | i have monthly mortgage of 857 a month which i owe 65000 on my home |
Member Payment Dependent Notes Series 844902
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844902 |
$2,800 |
$2,800 |
13.99% |
1.00% |
August 12, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844902. Member loan 844902 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,750 / month |
Current employer: | Your Jacksonville Lawyer, P.A. | Debt-to-income ratio: | 12.43% |
Length of employment: | 3 years | Location: | JACKSONVILLE, FL |
Home town: | |||
Current & past employers: | Your Jacksonville Lawyer, P.A. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > I would like to get this loan in order to consolidate some credit cards that i have. I have never had a delinquent bill, all payments are always on time, just want to be able to have one small monthly lump sum, that will probably be repaid prior to the 36 months. null
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $271.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 7.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent/all utilities is $780.00 gas is around $100.00 ins. @ $112.00 food is split with a room mate @ $150.00 other small loan @ $142.00 monthly a few other expenses that avg. $200.00 monthly |
Member Payment Dependent Notes Series 844946
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844946 |
$19,125 |
$19,125 |
13.99% |
1.00% |
August 17, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844946. Member loan 844946 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,667 / month |
Current employer: | CITY OF WEST PALM BEACH | Debt-to-income ratio: | 14.68% |
Length of employment: | 4 years | Location: | LAKE WORTH, FL |
Home town: | |||
Current & past employers: | CITY OF WEST PALM BEACH | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/12/11 > VacationTime Share - 18% interest Credit Cards - 5-10% interest Student loans - 2-6% interest Borrower added on 08/13/11 > I have a stable job. I have built up seniority over the past 4 years and my job is not in jeopardy in any way.
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | 44 |
Revolving Credit Balance: | $2,391.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage including insurance is $1430.06 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | vacation Timeshare - 18% interest - $200 Credit Cards - 6-11% interest - $300 Student Loans - 3-6% interest - $250 |
Which debts do you plan to pay off with this loan? | Vaction debt (home) and two credit cards. |
What is your intended use for the loan proceeds? | Pay vaction debt (home) and pay off two credit cards. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | vacation Timeshare - 18% interest - $200 Credit Cards - 6-11% interest - $300 Student Loans - 3-6% interest - $250 |
If you have a delinquency in the last 2 years, please explain the reason. | I have not been late in the past 2 years. |
If you have a public record on file, please briefly explain the event and its resolution. | I don't have a public record on file. |
Which debts do you plan to pay off with this loan? | Vaction debt (home) and two credit cards. |
Please explain the reason why you carry a large revolving credit balance. | When my wife and I got married we paid for the wedding ourselves. I did not have a great job at the time so we put most of the cost on the credit card. We have carried the debt since then but have not missed a payment. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage including insurance is $1430.06 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage - 1400 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage including insurance is $1430.06 |
What is your intended use for the loan proceeds? | Pay vaction debt (home) and pay off two credit cards. |
Member Payment Dependent Notes Series 844957
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
844957 |
$10,000 |
$10,000 |
5.42% |
1.00% |
August 17, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 844957. Member loan 844957 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,000 / month |
Current employer: | Video Applications | Debt-to-income ratio: | 1.69% |
Length of employment: | 3 years | Location: | San Diego, CA |
Home town: | |||
Current & past employers: | Video Applications | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > Had to replace an old, rotten patio cover. Got funding from GE at 9.5% and I see I can get a better rate from you.
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1985 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,974.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 16.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | This was the financing the construction company got for me. I knew I could get a better rate and that's why I contacted you when I heard your ad. |
If you have a delinquency in the last 2 years, please explain the reason. | I have not had a delinquency in 10 years. |
Member Payment Dependent Notes Series 845055
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845055 |
$4,800 |
$4,800 |
15.62% |
1.00% |
August 11, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845055. Member loan 845055 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $5,167 / month |
Current employer: | BNY MELLON | Debt-to-income ratio: | 14.07% |
Length of employment: | 5 years | Location: | SOUTH OZONE PARK, NY |
Home town: | |||
Current & past employers: | BNY MELLON | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > I would like to consolidate my credit cards that have the highest interest rates and an annual fee. null
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 31 |
Revolving Credit Balance: | $8,099.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | American Express- $3000.00 Mastercard $750 Mastercard $350 Visa $700 |
Member Payment Dependent Notes Series 845070
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845070 |
$1,200 |
$1,200 |
8.49% |
1.00% |
August 10, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845070. Member loan 845070 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,583 / month |
Current employer: | Internal Revenue Service | Debt-to-income ratio: | 3.85% |
Length of employment: | 10+ years | Location: | NEWTOWN SQUARE, PA |
Home town: | |||
Current & past employers: | Internal Revenue Service | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > My auto is in need of repair to pass inspection. I am a little short of cash at the moment. I had a previous loan and paid it off early. This loan will not present any problem. Thanks for your consideration. null
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,491.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 845120
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845120 |
$9,600 |
$9,600 |
7.49% |
1.00% |
August 16, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845120. Member loan 845120 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,167 / month |
Current employer: | Trader Joe's | Debt-to-income ratio: | 14.31% |
Length of employment: | 10+ years | Location: | Tucson, AZ |
Home town: | |||
Current & past employers: | Trader Joe's | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > The primary purpose of this loan is to eliminate the looming credit card debt I've built up over the past year before the introductory rates expire and they begin to accrue real interest. Once these are paid off, I look forward to living my life free of revolving debt and working toward creating a life of complete financial freedom. The second purpose of this loan is to pay for the completion of a couple of stalled home-improvement projects that, once completed, will allow me to rent my place out and move into a larger place with my fiance and our children. These projects include new flooring, painting and some minor appliance upgrades. I call this my "Financial Freedom Loan" because I have the experience of being stuck in a house in a down housing market while being anchored to a significant credit card debt. This loan will be a great help in allowing me to move my life forward and create a future for myself and my family.
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,995.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | See loan details. |
Please explain the reason why you carry a large revolving credit balance. | The majority of my credit card debt is the result of an unusual series of events with my car, including a ruined engine, buying an inexpensive yet reliable new car and then having it run into by a hit-and-run drunk driver and being on the hook for paying a significant amount for the repairs. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Monthly Expenses: Mortgage payment (including tax and insurance): $572.00 Transportation (gas, insurance, maintenance): $108.00 Phone: $50.00 Utilities: $130.00 Food: $180.00 Mortgage Balance: $71,250 Estimate Home Value: $105,000 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | See first response. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | See first response. |
What is the total balance and monthly payments of your mortgage loan(s) and/or HELOCs? | See first response. |
What is the estimated current market value of your home? | See first response. |
Member Payment Dependent Notes Series 845122
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845122 |
$4,000 |
$4,000 |
15.62% |
1.00% |
August 11, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845122. Member loan 845122 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,000 / month |
Current employer: | ICON Clinical | Debt-to-income ratio: | 10.82% |
Length of employment: | 3 years | Location: | woodstock, MD |
Home town: | |||
Current & past employers: | ICON Clinical | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 42 |
Revolving Credit Balance: | $4,746.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 83.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | no mortgage, no line of credit, no student loans, establishing credit, consolidating credit card pymts, |
Member Payment Dependent Notes Series 845162
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845162 |
$5,000 |
$5,000 |
13.99% |
1.00% |
August 12, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845162. Member loan 845162 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,375 / month |
Current employer: | General Dynamics | Debt-to-income ratio: | 20.16% |
Length of employment: | 2 years | Location: | Fredericksburg, VA |
Home town: | |||
Current & past employers: | General Dynamics | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 19 |
Revolving Credit Balance: | $744.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 14.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | A personal Loan with One Main Bank, Formally known as Citifinancial. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Card - $3,341 14.5% Credit Card - $3,245 15.9% Credit Card - $9,135 14.9% Personal Loan - $4,633 20.99% |
If you have a delinquency in the last 2 years, please explain the reason. | none |
Member Payment Dependent Notes Series 845232
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845232 |
$4,500 |
$4,500 |
13.49% |
1.00% |
August 10, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845232. Member loan 845232 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $9,167 / month |
Current employer: | FXCM | Debt-to-income ratio: | 3.50% |
Length of employment: | 5 years | Location: | New York, NY |
Home town: | |||
Current & past employers: | FXCM | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > I would like to take advantage of the lower rate offered here on lending club to pay off credit card debt. Please contact me for any questions or concerns.
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | 64 |
Revolving Credit Balance: | $5,271.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
Member Payment Dependent Notes Series 845238
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845238 |
$4,800 |
$4,800 |
13.49% |
1.00% |
August 12, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845238. Member loan 845238 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,000 / month |
Current employer: | n/a | Debt-to-income ratio: | 15.80% |
Length of employment: | 8 years | Location: | Marana, AZ |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,630.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 25.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
How are you paying for other wedding expenses not covered by this loan? | We have paid for everything else, just need to make the final payment to the hotel we are getting married at. The wedding will be all paid for after the final payment of $4,500 is made. |
What is your intended use for the loan proceeds? | The loan proceeds will all go to the hotel that we are getting married at. We have paid for everything else just need this small loan to have the wedding paid off. I am a very trustworthy person and assure you this loan will get paid with no problem. |
Member Payment Dependent Notes Series 845273
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845273 |
$4,000 |
$4,000 |
16.49% |
1.00% |
August 15, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845273. Member loan 845273 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,112 / month |
Current employer: | California Specialized Billing | Debt-to-income ratio: | 5.45% |
Length of employment: | 5 years | Location: | HAWAIIAN GARDENS, CA |
Home town: | |||
Current & past employers: | California Specialized Billing | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | 17 |
Revolving Credit Balance: | $3,321.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | My parents both became sick at the same time and then died within 2 months of each other. It was a difficult time financially and I am trying to get back on track. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I want to consolidate my credit card debt to lower the finance charges. The other expenses are home repairs and car registration/repairs |
Member Payment Dependent Notes Series 845275
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845275 |
$8,025 |
$8,025 |
13.49% |
1.00% |
August 17, 2011 |
August 25, 2014 |
August 25, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845275. Member loan 845275 was requested on August 11, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,583 / month |
Current employer: | Clear Channel Radio | Debt-to-income ratio: | 20.44% |
Length of employment: | 10+ years | Location: | LANCASTER, CA |
Home town: | |||
Current & past employers: | Clear Channel Radio | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/11/11 > I have worked for 2 very good companies for over 15 years now. I've been a responsible saver into a 401k and have a pension through my union to look forward to when I retire. But, when my daughter moved away from home and no longer paid rent, I was temporarily knocked off balance financially. I've recovered now but I had been slowly charging up my credit cards. Unfortunately, the interest rates on those cards are very high. This loan will pay off 3 of the worst cards and knock my interest rate down by 10%! Thank you very much for your interest. null
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,703.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 83.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Debt consolidation |
Member Payment Dependent Notes Series 845386
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845386 |
$2,000 |
$2,000 |
10.99% |
1.00% |
August 11, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845386. Member loan 845386 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,000 / month |
Current employer: | UNITED STATES MARINE CORPS | Debt-to-income ratio: | 11.75% |
Length of employment: | 10+ years | Location: | YUCCA VALLEY, CA |
Home town: | |||
Current & past employers: | UNITED STATES MARINE CORPS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Hi! I will be using the proceeds of my loan to purchase more Lending Club notes through the trading account portal and nothing else. I am a great investment opportunity because I was able to pay my first loan (for the exact same thing) in just two payments! I am expecting to repay this loan in a comparable amount of time. The payments I currently get on a Monthly basis far outpace the amount I am expecting to pay on this loan. I am a United States Marine and I have been doing this (the military) a little over ten years now. I am currently mortgaging my house. I have a good payment history because I have been paying my house payment since 2004 and never once sniveled about my existing percentage rate. I am impressed at the amount of faith I have been shown already from our fellow LC members and look forward to doing business in the future as well.
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | 57 |
Revolving Credit Balance: | $2,137.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Hi, and thanks for looking. I will using the proceeds to purchase previously owned LC notes from the trading account. With the older notes one has the added assurance that the LC member has made a tangible commitmnent in the payments processed with the previous owner. I feel the reduced interest rate is a small price to pay for the assurance that the LC member has been paying faithfully for a majority of the loan payment life. Go Lending Club! |
What is your intended use for the loan proceeds? | Hi, and thanks for looking. I will using the proceeds to purchase previously owned LC notes from the trading account. With the older notes one has the added assurance that the LC member has made a tangible commitmnent in the payments processed with the previous owner. I feel the reduced interest rate is a small price to pay for the assurance that the LC member has been paying faithfully for a majority of the loan payment life. Go Lending Club! |
Member Payment Dependent Notes Series 845410
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845410 |
$3,000 |
$3,000 |
6.99% |
1.00% |
August 12, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845410. Member loan 845410 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,000 / month |
Current employer: | P. Mars Scott Law Offices | Debt-to-income ratio: | 4.20% |
Length of employment: | 1 year | Location: | Missoula, MT |
Home town: | |||
Current & past employers: | P. Mars Scott Law Offices | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/08/11 > Re Finance Credit Card Debt null Borrower added on 08/09/11 > My American Express card interest rate shot up to 19% I wanted to pay it off and refinance at a lower rate. Held the same job for 2 years. Just graduated college and am working full time. null
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,202.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 30.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 845501
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845501 |
$15,000 |
$15,000 |
8.49% |
1.00% |
August 16, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845501. Member loan 845501 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,000 / month |
Current employer: | costco wholesale | Debt-to-income ratio: | 11.52% |
Length of employment: | 10+ years | Location: | phoenix, AZ |
Home town: | |||
Current & past employers: | costco wholesale | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $19,228.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 35.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 845575
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845575 |
$3,000 |
$3,000 |
5.42% |
1.00% |
August 15, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845575. Member loan 845575 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,833 / month |
Current employer: | Saint Paul Public Schools | Debt-to-income ratio: | 13.94% |
Length of employment: | 10+ years | Location: | Hastings, MN |
Home town: | |||
Current & past employers: | Saint Paul Public Schools | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
I am installing a different motor on my boat. The motor is a 2004 model and in mint condition, The motor is of a design that has been around over 40 years in production with very few changes to it's design in those 40 years. It has been rock solid in performance and is also known for it's lack of mechanical issues
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,062.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 12.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Monthly expenses are roughly $2900 total for house payment, bills, utilities, etc, split between my wife and I who both make roughly $70,000 each. We also put approximately $700 per month for retirement which would bring us to $3600 in expenses. |
Member Payment Dependent Notes Series 845696
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845696 |
$15,000 |
$15,000 |
16.89% |
1.00% |
August 16, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845696. Member loan 845696 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,417 / month |
Current employer: | Floormax | Debt-to-income ratio: | 18.11% |
Length of employment: | 5 years | Location: | dacula, GA |
Home town: | |||
Current & past employers: | Floormax | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/02/11 > I am currently paying over 800.00 per month in minimums for the debt I am trying consolidate and I am never late. I think that consolidation loan would be good for me because I will pay bills off faster, and good for lenders because they will make money off my good payment history. Borrower added on 08/03/11 > I have been with my current employer for over 5 years, and the wotk I do is in a very stable industy. The payment I would have to make to Lending Club will be a breeze to pay. Lenders please let me know if you have any questions. I will respond to all questions in a timely manner. I strongly believe your money will be well invested if you commit to investing in my loan. Thanks in advance for everyones help. Borrower added on 08/02/11 > I am currently paying over 800.00 per month in minimums for the debt I am trying consolidate and I am never late. I think that consolidation loan would be good for me because I will pay bills off faster, and good for lenders because they will make money off my good payment history. Borrower added on 08/03/11 > I have been with my current employer for over 5 years, and the wotk I do is in a very stable industy. The payment I would have to make to Lending Club will be a breeze to pay. Lenders please let me know if you have any questions. I will respond to all questions in a timely manner. I strongly believe your money will be well invested if you commit to investing in my loan. Thanks in advance for everyones help.
A credit bureau reported the following information about this borrower member on August 2, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | 47 |
Revolving Credit Balance: | $11,735.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards Chase- $4742.79 209.00 payment 29.24% interest HSBC- $3713.83 116.00 payment 19.99% interest Capital one- $1195.87 100.00 payment 29.40% interest AS furnititure-$3317.18 130.00 payment 24.99% interest Homedepot- $1459.64 87.00 Payment 26.99% interest Mortgage- $173000 1254 payment 5.15% interest Student Loan $18900 145.00 payment 1.99% interest |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am strictly using this loan to consolidate all of my credit cards that have very high interest rates. By consolidating these cards I will be able to pay my debt off much faster. Once I pay Lending Club back I will begin paying my mortgage down. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards Chase- $4742.79 209.00 payment 29.24% interest HSBC- $3713.83 116.00 payment 19.99% interest Capital one- $1195.87 100.00 payment 29.40% interest AS furnititure-$3317.18 130.00 payment 24.99% interest Homedepot- $1459.64 87.00 Payment 26.99% interest Mortgage- $173000 1254 payment 5.15% interest Student Loan $18900 145.00 payment 1.99% interest |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards Chase- $4742.79 209.00 payment 29.24% interest HSBC- $3713.83 116.00 payment 19.99% interest Capital one- $1195.87 100.00 payment 29.40% interest AS furnititure-$3317.18 130.00 payment 24.99% interest Homedepot- $1459.64 87.00 Payment 26.99% interest Mortgage- $173000 1254 payment 5.15% interest Student Loan $18900 145.00 payment 1.99% interest |
Which debts do you plan to pay off with this loan? | All of my credit cards and furniture cards |
If you have a delinquency in the last 2 years, please explain the reason. | Haven't been deliquent in the past two years. The reason my score is a lower than I would like is due to the high balances on my revolving accounts. |
If you have a public record on file, please briefly explain the event and its resolution. | I do not have any public records on file |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Mortgage- 1354 with escrow Utilities- 450 including internet No home equity lines/ or lines of credit |
Please explain the reason why you carry a large revolving credit balance. | I recently added an addition to my home and went 8k over budget do to some unforseen structure problems. I really did not have a choice to fix the issue because my house was torn apart. At about the same time my washer and dryer went out, so I had to use my home depot card to replace. The rest of the balance is from some furniture we purchased when we moved in our home and misc. items. I have learned from the remodel to always budget more and the washer and dryer to keep a rainy day fund in my account which I have now. |
Member Payment Dependent Notes Series 845793
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845793 |
$7,000 |
$7,000 |
10.99% |
1.00% |
August 15, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845793. Member loan 845793 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,874 / month |
Current employer: | University of California -- San Francisc | Debt-to-income ratio: | 5.71% |
Length of employment: | 10+ years | Location: | San Francisco, CA |
Home town: | |||
Current & past employers: | University of California -- San Francisc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/10/11 > My sincerest wish at this point in my life is to be free of credit cards and the overwhelming interest rates. The largest interest rate is 23% and the monthly minimum is so out of proportion that I have a sense of being an indentured slave with no hope of attaining the goal of paying the balance. I want to be rid of the cards and pay my debts with an aim to succeed. I will be answering the specific questions I have been asked later today when I am in the office. Thank you all who have already reached out to help me. Borrower added on 08/11/11 > I believe I will make a good borrower because I have never missed a rent payment, never been late or missed a payment with gas and electric companies; I make my payments to telephone and dsl service monthly and live relatively simply and feel secure in my work. null
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,994.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 94.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My rent is $962 for a San Francisco one room studio. $60 a month for City bus. Gas and electric is generally $35. DSL is $25. Cell phone (no land line) is $31.95 a month. Insurance is covered through my work. Food plus household expenses, i.e. laundry, cleaning, cat food, etc can run between a low of $600 to a high of $850. I generally buy whatever clothes I need from eBay (to save). I will comfortably be able to pay the monthly installments on a Lending Club loan. I am scrupulous about paying back loans or debts. It's only been recently (in the last five years) interest and credit card debt has left me with a sense of being overwhelmed and hopeless. |
Please explain the reason why you carry a large revolving credit balance. | The large total credit balance is a result of digging myself into a deeper and deeper whole. I lived for a year hoping or believing or wishing economic events would turn in my favor. They didn't. I was able to make all my minimum payments (with a little extra) but the interest mountain crushed my spirit. A sense of hopelessness set in and I now wish to be rid of credit cards and live much simpler and within my means. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The four credit cards I have total to approximately $5,000 and I would like to pay-back a friend who lent me money two years ago ($2,000). The loan will go toward paying my debts and separating myself from credit cards. The interest on cards is 23% , 19%, 17% and 11%. I have no other loans or mortgages nor do I drive a car. (I take buses). See previous response to more detail of monthly expenses. |
Member Payment Dependent Notes Series 845857
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
845857 |
$5,500 |
$5,500 |
5.42% |
1.00% |
August 17, 2011 |
August 25, 2014 |
August 25, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 845857. Member loan 845857 was requested on August 11, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,917 / month |
Current employer: | PNC Mortgage | Debt-to-income ratio: | 12.63% |
Length of employment: | 1 year | Location: | Wheaton, IL |
Home town: | |||
Current & past employers: | PNC Mortgage | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/11/11 > I am combining all of three of my credit cards into one low interest rate loan payment. I am planning on closing one credit card account and plan to be debt free in three years or less. I am looking forward to the security of one fixed payment per month, null
A credit bureau reported the following information about this borrower member on August 10, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,475.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 6.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is the total balance of your credit cards, interest rates and current monthly payments? | Discover Card- Balance $1647.15, 13.99%, Minimum Payment $40.00 MasterCard- Balance $930.41, 8.65%, Minimum Payment $20.00 Mastercard- Balance $2317.87, 6.99%, Minimum Payment $37.00 |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Discover Card- Balance $1647.15, 13.99%, Minimum Payment $40.00 MasterCard- Balance $930.41, 8.65%, Minimum Payment $20.00 Mastercard- Balance $2317.87, 6.99%, Minimum Payment $37.00 |
If you have a delinquency in the last 2 years, please explain the reason. | I have not had any delinquencies in the past 2 years. I always pay every bill on time or early |
If you have a public record on file, please briefly explain the event and its resolution. | I do not have any public records on file. |
Please explain the reason why you carry a large revolving credit balance. | I had purchased a new television and then had a minor auto repair that cost more than I had expected. I elected to charge these items and keep a balance of cash in my savings account. The unstable economic conditions have now curtailed my spending but I still would like to keep my savings as large and liquid as possible for emergencies. I do not intend on keeping a large revolving credit balance and I will use this loan to combine it and pay it off as soon as possible. |
Member Payment Dependent Notes Series 846040
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846040 |
$5,000 |
$5,000 |
5.42% |
1.00% |
August 17, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846040. Member loan 846040 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,833 / month |
Current employer: | Loma Linda VA Healthcare System | Debt-to-income ratio: | 10.90% |
Length of employment: | 10+ years | Location: | Redlands, CA |
Home town: | |||
Current & past employers: | Loma Linda VA Healthcare System | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1985 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,796.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 2.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Mostly home improvement, e.g., replace sliding door, tree trimming/ removal. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Approximately $3k/mo. |
Is the improvement to your primary residence or an investment property? | Primary |
What is the estimated current market value of your home? | Approximately $350k |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | Mortgage premium: 1.86k/mo @ 4.875%; Balance is approximately 280k. I have no HELOC at present. |
Member Payment Dependent Notes Series 846044
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846044 |
$1,500 |
$1,500 |
15.99% |
1.00% |
August 12, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846044. Member loan 846044 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,300 / month |
Current employer: | Cloverleaf Cold Storage | Debt-to-income ratio: | 2.64% |
Length of employment: | < 1 year | Location: | Raleigh, NC |
Home town: | |||
Current & past employers: | Cloverleaf Cold Storage | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 58 |
Revolving Credit Balance: | $3,865.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 82.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I need to have dental work done. I recently started my job in June after returning home from overseas, and I am on probation for 90 days. My insurance will not kick in until September. |
Please explain the reason why you carry a large revolving credit balance. | Home Purchase |
What is your intended use for the loan proceeds? | I need to have dental work done. I recently started my job in June after returning home from overseas, and I am on probation for 90 days. My insurance will not kick in until September. |
Member Payment Dependent Notes Series 846077
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846077 |
$5,000 |
$5,000 |
15.99% |
1.00% |
August 15, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846077. Member loan 846077 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,833 / month |
Current employer: | ICF International | Debt-to-income ratio: | 11.56% |
Length of employment: | < 1 year | Location: | Silver Spring, MD |
Home town: | |||
Current & past employers: | ICF International | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/10/11 > This loan is for a car. Without this, I'll be walking. I have good credit and a stable income. My monthly budget is $2500.
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | 62 |
Revolving Credit Balance: | $9,475.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 92.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What type of vehicle are you buying (make, model, year, mileage and condition)? | I'm buying my uncle's mercedes sl 320. Green. 1994. 55,000 miles. Excellent condition. He's 81 and is moving into a retirement home and wants me to have it. And he's selling it to me far lower than market value. |
Please explain the reason why you carry a large revolving credit balance. | My large revolving credit balance is due to my corporate card. My company pays off balances at the end of each month pending I've submitted the paper work on time. |
Member Payment Dependent Notes Series 846127
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846127 |
$8,000 |
$8,000 |
16.49% |
1.00% |
August 16, 2011 |
August 22, 2014 |
August 22, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846127. Member loan 846127 was requested on August 8, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,750 / month |
Current employer: | Pub 35 LLC | Debt-to-income ratio: | 14.00% |
Length of employment: | 2 years | Location: | Sayreville, NJ |
Home town: | |||
Current & past employers: | Pub 35 LLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/10/11 > I am consolidating 3 credit cards. Dell, Wells Fargo, and Chase Bank. Dell and Wells Fargo are above 21% and Chase is 16.99%. One payment and lower apr will make it easier to payoff. Borrower added on 08/11/11 > Thank you everyone who has invested in this loan thus far, I am very excited to get this loan and simplify my finances. Having recently finishing a house renovation I am eager to get back in the green and chop down this remaining debt that I carry. Thanks again!
A credit bureau reported the following information about this borrower member on August 8, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | 10 |
Revolving Credit Balance: | $2,494.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I was late on a mortgage payment once because I was in the middle of a job change. As soon as I received my first pay check I came current on my bills and have been since. |
Member Payment Dependent Notes Series 846440
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846440 |
$3,600 |
$3,600 |
9.99% |
1.00% |
August 12, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846440. Member loan 846440 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,000 / month |
Current employer: | Mayo Clinic | Debt-to-income ratio: | 14.78% |
Length of employment: | 8 years | Location: | Rochester, MN |
Home town: | |||
Current & past employers: | Mayo Clinic | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > I want to pay off a credit card that with a high APR. Thanks!
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $24,567.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 846459
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846459 |
$20,000 |
$20,000 |
16.49% |
1.00% |
August 17, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846459. Member loan 846459 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,000 / month |
Current employer: | LVW Electronics | Debt-to-income ratio: | 11.80% |
Length of employment: | 2 years | Location: | Colorado Springs, CO |
Home town: | |||
Current & past employers: | LVW Electronics | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > Refinance 3 credit cards - from 29% to 19% APR down to 16.5%
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | 34 |
Revolving Credit Balance: | $23,479.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 95.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | total minimum balance is approximately 550/m. This loan will be approximately 450/m. |
What is the total balance of your credit cards, interest rates and current monthly payments? | balance/interest rates/monthly payments 19,700 / 24%- average / 600/m - average |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | visa - 2,700/22%/120 amex - 8,600/28%/200 disco - 8,400/28%/200 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | using solely for transferring credit card debt to lower interest rate |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | housing - rent - 375/m credit cards - payments - 600/m utilities - average - 160/m insurance - 145/m |
Please explain the reason why you carry a large revolving credit balance. | primarily due to emergency costs - legal and medical bills. also due to some discretionary costs - wedding/honeymoon |
Member Payment Dependent Notes Series 846484
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846484 |
$8,400 |
$8,400 |
15.99% |
1.00% |
August 17, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846484. Member loan 846484 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,000 / month |
Current employer: | naval undersea warfare center | Debt-to-income ratio: | 5.06% |
Length of employment: | 10+ years | Location: | middletown, RI |
Home town: | |||
Current & past employers: | naval undersea warfare center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > This loan will be used to consolidate my student loan and three credit cards. My student loan is about 3.5k and the combined credit card debt is about 4k. The hope is that by paying down the credit cards and the student loan my credit score will increase and the possibility of missing a payment (delinquency) will be reduced. The net effect is that this loan will reduce the risk of any future credit unworthiness. Borrower added on 08/12/11 > One other note. The combined interest rate is actually higher than the interest on this loan.
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | 21 |
Revolving Credit Balance: | $3,141.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 97.20% | Months Since Last Record: | 112 |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a public record on file, please briefly explain the event and its resolution. | In 2000, I co-founded a tech startup specializing in computer security and internet services. Due to external factors, the corporation was dissolved in 2002. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My current debt balances are: 1) Credit cards = 4,000.00. 2) Student loan = 3,500.00 3) Auto = 12,000.00 4) Mortgage = 318,000.00 |
What is your intended use for the loan proceeds? | I intend on paying off all of my revolving credit balances (around 4,000) and my final student loan balance (around 3200). The remaining amount will be used to pay off a few medical bills (around 2400). |
Member Payment Dependent Notes Series 846506
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846506 |
$4,000 |
$4,000 |
7.49% |
1.00% |
August 17, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846506. Member loan 846506 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,000 / month |
Current employer: | n/a | Debt-to-income ratio: | 4.60% |
Length of employment: | 10+ years | Location: | Bruceton Mills, WV |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | 35 |
Revolving Credit Balance: | $4,563.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To buy a dump bed for my tri-axle dump truck. It has barn door swing for hauling larger items as well as the traditional dump style. It will enable me to do more jobs thereby getting more work. |
Member Payment Dependent Notes Series 846546
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846546 |
$4,500 |
$4,500 |
9.99% |
1.00% |
August 17, 2011 |
August 23, 2016 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846546. Member loan 846546 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,000 / month |
Current employer: | midwest family | Debt-to-income ratio: | 7.55% |
Length of employment: | 10+ years | Location: | mazomanie, WI |
Home town: | |||
Current & past employers: | midwest family | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 41 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,837.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage $2100 one car at $300 month(wifes car) my car is a work car at no expense..split phone bill with wife and utilities...also $19000 in savings.. |
Member Payment Dependent Notes Series 846554
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846554 |
$4,000 |
$4,000 |
10.59% |
1.00% |
August 12, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846554. Member loan 846554 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,600 / month |
Current employer: | IBM | Debt-to-income ratio: | 0.43% |
Length of employment: | 10+ years | Location: | SANTA ANA, CA |
Home town: | |||
Current & past employers: | IBM | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > HI I HOPE YOU CA N HELP
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1978 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $280.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 3.50% | Months Since Last Record: | 97 |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Hi and Thank You,i pay 1250 for rent,i have a Storage Unit, i pay 265,i pay cable company,and my cell phone about 200,i pay Chevron about 350,my Company pays me more than that a month,for using my car for work, meals and laundry and essentials about 400 a month,no car payments,insurance yes,no utilities at apartment yet,no water or power and trash,but coming soon,no date yet,or how much more,rent will be,once again Thank You, Carlos |
Member Payment Dependent Notes Series 846576
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846576 |
$3,200 |
$3,200 |
10.99% |
1.00% |
August 15, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846576. Member loan 846576 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,667 / month |
Current employer: | HDR | Debt-to-income ratio: | 4.20% |
Length of employment: | < 1 year | Location: | Chicago, IL |
Home town: | |||
Current & past employers: | HDR | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 5 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,597.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | The proceeds of this loan will be primarily used for product development and marketing of a mobile application for the iphone and android marketplace. |
Member Payment Dependent Notes Series 846616
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846616 |
$3,000 |
$3,000 |
14.79% |
1.00% |
August 17, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846616. Member loan 846616 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,000 / month |
Current employer: | Inver Grove Honda | Debt-to-income ratio: | 11.10% |
Length of employment: | < 1 year | Location: | Inver Grove Heights, MN |
Home town: | |||
Current & past employers: | Inver Grove Honda | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/10/11 > The reason I am willing to accept the terms of this loan is because I need to furnish and pay for two seperate residences. I plan to pay off this loan early as I would like to limit the amount of interest on this loan. I have always paid my bills and will budget this payment accordingly. I have a very stable job and thankfully do not have to worry about current economic conditions effecting it. Borrower added on 08/11/11 > I would like to change the misspelling in the above description. In addition to what makes me a good candidate for this loan, I also would like to point our that I have minimal outgoing expenses to worry about. Making it easier for me to pay this loan back faster than the terms I agreed to. Borrower added on 08/12/11 > I have never done this before and would like to thank the investors who have helped me almost complete this process. Again, I thank you for your support and am seriously considering switching the the investor side after I complete the terms of my loan.
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | 36 |
Revolving Credit Balance: | $3,135.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I have relocation expenses for a unforseen circumstance in my life. I would use the money to purchase necessities needed for a new residence. |
Please explain the reason why you carry a large revolving credit balance. | Before my current situation, I had leased a 2008 Honda Accord. My lease recently came due and I leased a 2011 Honda Accord last month. The lease should show on my credit report as the total amount of the vehicle, but I really only will end up paying $12,600.00 over the next 3 years. |
Member Payment Dependent Notes Series 846633
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846633 |
$5,000 |
$5,000 |
9.99% |
1.00% |
August 16, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846633. Member loan 846633 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,710 / month |
Current employer: | Client Services, Inc | Debt-to-income ratio: | 12.16% |
Length of employment: | < 1 year | Location: | lenexa, KS |
Home town: | |||
Current & past employers: | Client Services, Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,861.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | [SPLIT ALL COSTS WITH FIANCE] RENT $425, GASOLINE $150/MNTH (DONT DRIVE MUCH), UTILITIES $70, PHONE $50/MNTH, INSURANCE (AUTO & HOME) $60/MNTH, FOOD $150/MNTH, GYM MEMBERSHIP $30/MNTH. TOTAL $935 A MONTH WITHOUT RENT, UTILITIES, AND PHONE SPLIT. ACTUAL PAYOUT TOTAL $662.50. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | ALL REVOLVING CREDIT. NO MORTGAGE, STUDENT LOANS. US BANK - $2350.00 - MONTHLY PAY $100 US BANK - $760.00 - MONTHLY PAY $100 CAPITAL ONE - $555.55 - MONTHLY PAY $70 CHASE - $310.00 - MONTHLY PAY $50 TIRES PLUS/CFNA - $937.00 - MONTHLY PAY $75 BEST BUY - $850.00 - MONTHLY PAY $100 MONTHLY $495.00 INCOME $855 AFTER TAXES EVERY 2 WEEKS. I EXPECT TO PAY THIS LOAN OFF A.S.A.P. |
Member Payment Dependent Notes Series 846710
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846710 |
$8,000 |
$8,000 |
15.99% |
1.00% |
August 17, 2011 |
August 23, 2016 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846710. Member loan 846710 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,500 / month |
Current employer: | Wallace Appraisal Service | Debt-to-income ratio: | 6.76% |
Length of employment: | 9 years | Location: | Bethesda, MD |
Home town: | |||
Current & past employers: | Wallace Appraisal Service | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,907.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 93.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards 1) debt balance $4,911.46 iinterest rate 20.99% minimum monthly payment $104.00 2) debt balance $9,906.98 interest rate 13.24% minimum monthly payment $200.00 Respectfully, Paul Schleifer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent- 1,000 Transportation- 100 Utilities- 100 Phone- 100 Insurance- 200 Food- 100 Miscelaneous- 100 |
What is your intended use for the loan proceeds? | Debt consolidation. |
Which debts do you plan to pay off with this loan? | Chase credit card account and Bank of America credit card account. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards 1) debt balance $4,911.46 iinterest rate 20.99% minimum monthly payment $104.00 2) debt balance $9,906.98 interest rate 13.24% minimum monthly payment $200.00 Respectfully, Paul Schleifer |
Member Payment Dependent Notes Series 846807
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
846807 |
$3,000 |
$3,000 |
7.49% |
1.00% |
August 17, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 846807. Member loan 846807 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,167 / month |
Current employer: | King Soopers | Debt-to-income ratio: | 13.33% |
Length of employment: | 5 years | Location: | Lakewood, CO |
Home town: | |||
Current & past employers: | King Soopers | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > I'm having surgery in early September. My insurance covers a lot of it, but not everything. If I pay my share before I leave the hospital, there is a pretty massive discount - about $7000, and these funds will cover the remainder of what I'd need to pay.
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 6 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,362.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 24.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are the estimated expenses? | Assuming you mean medical: after writeoffs and the pay in full discount, my out of pocket costs are a little under $9000. Most of that is coming from my savings, and the remainder from this loan. Or, if you're asking about my monthly expenses, all of my mandatory expenses (rent, food, utilities, insurance, minimum payment on outstanding debt, etc) come to about $1400. |
Member Payment Dependent Notes Series 847097
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
847097 |
$5,000 |
$5,000 |
8.49% |
1.00% |
August 17, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 847097. Member loan 847097 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,208 / month |
Current employer: | Wells Fargo Advisors | Debt-to-income ratio: | 13.31% |
Length of employment: | 10+ years | Location: | Winston Salem, NC |
Home town: | |||
Current & past employers: | Wells Fargo Advisors | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $42,703.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 82.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | To be honest, we purchased our home in Aug 2007 with the expectation that our salaries would continue as they had in the past. Unfortunately, that did not happen. While I'm happy to still have a job, times have been hard. We obviously used the credit cards more than we realized. We are preparing to put the house on the market but don't know that it will sell. If it doesn't, we have looked into refinancing but we need to pay off these high interest rate cards in order to do that. Thank you for your consideration in funding our loan. |
Member Payment Dependent Notes Series 847140
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
847140 |
$3,000 |
$3,000 |
11.99% |
1.00% |
August 12, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 847140. Member loan 847140 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,750 / month |
Current employer: | LSMT | Debt-to-income ratio: | 15.96% |
Length of employment: | 10+ years | Location: | GUN BARREL CITY, TX |
Home town: | |||
Current & past employers: | LSMT | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | 63 |
Revolving Credit Balance: | $11,340.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 88.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | approx 7000 bal on credit cards, pmts approx (total) $400, intended us it to pay off 2 of the high interest cc so I can cancel the high rate ones |
What is your intended use for the loan proceeds? | to pay of 2 of my high interest rate credit cards so I can get rid of them. They have increased the rate 3 times since I opened the accounts. |
Please explain the reason why you carry a large revolving credit balance. | I just started a new business and needed the money to get office equip and supplies. |
Member Payment Dependent Notes Series 847288
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
847288 |
$7,000 |
$7,000 |
17.49% |
1.00% |
August 15, 2011 |
August 23, 2016 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 847288. Member loan 847288 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,833 / month |
Current employer: | AT&T | Debt-to-income ratio: | 2.06% |
Length of employment: | 10+ years | Location: | MIAMI, FL |
Home town: | |||
Current & past employers: | AT&T | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | 32 |
Revolving Credit Balance: | $3,753.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 49.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | Medical Surgery |
Please provide additional details regarding the purpose of the loan | Medical Surgery |
What is your intended use for the loan proceeds? | Medical Surgery |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: $900.00 - Utilities $100.00 - phone $50.00 - food $300.00 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | $900.00 |
If you have a delinquency in the last 2 years, please explain the reason. | In the last 2 years, I don't recall having a delinquency. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I'm using the loan for one purpose, medical surgery. |
Member Payment Dependent Notes Series 847463
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
847463 |
$3,800 |
$3,800 |
6.99% |
1.00% |
August 15, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 847463. Member loan 847463 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,583 / month |
Current employer: | C. Steven Horn & Associates, P.C. | Debt-to-income ratio: | 3.18% |
Length of employment: | 4 years | Location: | Brooklyn, NY |
Home town: | |||
Current & past employers: | C. Steven Horn & Associates, P.C. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > I would like to pay off all my credit card debt. I always make payment on time as I have stable income from my job.
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,766.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 30.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | My intended use for the loan proceeds is to pay off all my credit card debt so I can refinance myself. |
Member Payment Dependent Notes Series 847490
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
847490 |
$7,000 |
$7,000 |
12.99% |
1.00% |
August 17, 2011 |
August 24, 2014 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 847490. Member loan 847490 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,750 / month |
Current employer: | Cellay, Inc | Debt-to-income ratio: | 18.35% |
Length of employment: | 2 years | Location: | Los Angeles, CA |
Home town: | |||
Current & past employers: | Cellay, Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/13/11 > I recently moved across the country and I racked up some debt on my credit cards. I would like to consolidate for a better rate to pay them off. I am extremely responsible; my bills are paid on time and I always pay more than the monthly minimum on my debts. My job is very secure; I work for a growing company. If anything, I will be busier in the coming months with new customers. I appreciate your help Borrower added on 08/15/11 > Once my debt is paid off, I plan to cut up these credit cards and live within my means
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | 44 |
Revolving Credit Balance: | $6,060.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 43.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My total current monthly expenses are about $1500 per month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My credit card interest rates are 18%, 18%, 24% and 26% (which is why I want this loan to consolidate them!) I have a lot of student loans, totally about $500 in monthly payments. I dont have any mortgages or lines of credit. |
Member Payment Dependent Notes Series 847512
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
847512 |
$3,200 |
$3,200 |
10.99% |
1.00% |
August 15, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 847512. Member loan 847512 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,250 / month |
Current employer: | Hewlett Packard | Debt-to-income ratio: | 23.19% |
Length of employment: | 2 years | Location: | Houston, TX |
Home town: | |||
Current & past employers: | Hewlett Packard | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 45 |
Revolving Credit Balance: | $10,613.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 31.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 847538
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
847538 |
$1,250 |
$1,250 |
11.49% |
1.00% |
August 11, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 847538. Member loan 847538 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,167 / month |
Current employer: | Orchard Supply and Hardware | Debt-to-income ratio: | 22.15% |
Length of employment: | 10+ years | Location: | San Francisco, CA |
Home town: | |||
Current & past employers: | Orchard Supply and Hardware | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/09/11 > Hello everyone, Just wanted to let everyone know that this loan is to trim down some bills during these hard times, if you can help I thank you in advance. I make all my payments on time and I will pay this off too. Thank You in advance Borrower added on 08/10/11 > Thank you all so far - now I need to get the other $400 so we can on with this venture. I've been on the job 10+ years and it's stable as can be for now considering everything that's going on out there. I don't see any problem that would prevent me from paying this back. Again thank you in advance and good luck to all.
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,530.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 76.80% | Months Since Last Record: | 104 |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Hello, In general I run about 800-900 for operating expenses I have only a few bills, basic car insurance, basic phone, and rent. I have a very tight budget and I stick to it. thank you for your funding. |
Member Payment Dependent Notes Series 847552
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
847552 |
$1,200 |
$1,200 |
19.29% |
1.00% |
August 12, 2011 |
August 23, 2014 |
August 23, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 847552. Member loan 847552 was requested on August 9, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,880 / month |
Current employer: | Audio Links | Debt-to-income ratio: | 8.65% |
Length of employment: | 2 years | Location: | las vegas, NV |
Home town: | |||
Current & past employers: | Audio Links | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 9, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 9 | Months Since Last Delinquency: | 53 |
Revolving Credit Balance: | $11,238.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 99.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I have a revolving credit balance because I had an ex-fiance who liked to shop and she didn't have a job. She couldn't pay me back so I am trying to pay it down each month but with having a balance on the account every time I pay it down a few days later interest gets added on. |
Member Payment Dependent Notes Series 847732
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
847732 |
$8,000 |
$8,000 |
10.59% |
1.00% |
August 17, 2011 |
August 24, 2014 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 847732. Member loan 847732 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,000 / month |
Current employer: | Solution Systems Inc. | Debt-to-income ratio: | 3.58% |
Length of employment: | 2 years | Location: | Chicago, IL |
Home town: | |||
Current & past employers: | Solution Systems Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/10/11 > I graduated in May 2010 from University of Arizona (Eller) with B.S. (double major in Business Economics and Business Management) . I have now been working in my career for over a year. I am now in a position that I would like to consolidate and pay off the last of my student debt with a solid plan.
A credit bureau reported the following information about this borrower member on August 10, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,025.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 49.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Card - $6,360 - 15.99% - (Tuition from last semester of school) Family Loan - $1,200 (currently no interest - but due to financial changes with family member, I would like to pay off ASAP) Have been paying $175 to family member monthly, and have been sporatic on credit card (avg. ~300 a month) |
Member Payment Dependent Notes Series 847826
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
847826 |
$3,250 |
$3,250 |
11.49% |
1.00% |
August 17, 2011 |
August 24, 2014 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 847826. Member loan 847826 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $800 / month |
Current employer: | Taste Of Life | Debt-to-income ratio: | 11.88% |
Length of employment: | 1 year | Location: | Monument, CO |
Home town: | |||
Current & past employers: | Taste Of Life | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 10, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 3 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | 2 |
Revolving Credit Balance: | $1,582.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 4.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To use for a build out on a small Cake shop |
If you have a delinquency in the last 2 years, please explain the reason. | I don't know that I have.. If I have, the reason is simple forgetfulness, never because I don't have the money. |
What is your intended use for the loan proceeds? | To use for a build out on a small Cake shop |
Member Payment Dependent Notes Series 847977
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
847977 |
$2,000 |
$2,000 |
5.42% |
1.00% |
August 15, 2011 |
August 24, 2014 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 847977. Member loan 847977 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,572 / month |
Current employer: | MassBay Community College | Debt-to-income ratio: | 11.73% |
Length of employment: | 7 years | Location: | Natick, MA |
Home town: | |||
Current & past employers: | MassBay Community College | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 10, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,352.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 28.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 848033
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
848033 |
$2,800 |
$2,800 |
10.99% |
1.00% |
August 17, 2011 |
August 24, 2014 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 848033. Member loan 848033 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $800 / month |
Current employer: | Starbucks | Debt-to-income ratio: | 3.00% |
Length of employment: | 4 years | Location: | Canyon Country, CA |
Home town: | |||
Current & past employers: | Starbucks | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/10/11 > I would like to use this amount to pay off a student debt that I owe on a credit card. I get much lower rates through Lending Club than I do on my credit card and I'll be able to pay it off much faster through them than through my credit company.
A credit bureau reported the following information about this borrower member on August 10, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $796.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 24.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I pay rent, utilities, phone, health insurance, and food. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I pay rent, utilities, phone, health insurance, and food. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I pay rent, utilities, phone, health insurance, and food. |
Member Payment Dependent Notes Series 848175
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
848175 |
$3,725 |
$3,725 |
10.59% |
1.00% |
August 15, 2011 |
August 24, 2014 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 848175. Member loan 848175 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $11,667 / month |
Current employer: | columbia university | Debt-to-income ratio: | 18.57% |
Length of employment: | 10+ years | Location: | NEW YORK, NY |
Home town: | |||
Current & past employers: | columbia university | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 10, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 21 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 46 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $43,987.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | i have been helping my kids pay college loans |
Please explain the reason why you carry a large revolving credit balance. | i have been helping my kids pay college loans |
Please explain the reason why you carry a large revolving credit balance. | i have been helping my kids pay college loans |
Please explain the reason why you carry a large revolving credit balance. | i have been helping my kids pay college loans |
Member Payment Dependent Notes Series 848303
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
848303 |
$2,500 |
$2,500 |
11.49% |
1.00% |
August 15, 2011 |
August 24, 2014 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 848303. Member loan 848303 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,506 / month |
Current employer: | Department of Motor Vehicles | Debt-to-income ratio: | 7.68% |
Length of employment: | 10+ years | Location: | San Diego, CA |
Home town: | |||
Current & past employers: | Department of Motor Vehicles | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 10, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 9 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,860.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 93.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | The funds will be used to payoff bills at a lower rate. |
Please explain the reason why you carry a large revolving credit balance. | Unexpected expenses.... Car repair and moving expenses. |
Please explain the reason why you carry a large revolving credit balance. | Unexpected expenses.... Car repair and moving expenses. |
Member Payment Dependent Notes Series 848389
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
848389 |
$4,000 |
$4,000 |
17.49% |
1.00% |
August 17, 2011 |
August 24, 2014 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 848389. Member loan 848389 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,083 / month |
Current employer: | Caddo parish school district | Debt-to-income ratio: | 11.46% |
Length of employment: | 1 year | Location: | shreveport, LA |
Home town: | |||
Current & past employers: | Caddo parish school district | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/11/11 > Trying to pay off 2 high interest credit cards used during family emergency
A credit bureau reported the following information about this borrower member on August 10, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 16 |
Revolving Credit Balance: | $4,192.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 95.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | My income/savings were used to assist in relocation fees and aid in the funeral arrangements for 3 family members. My credit cards were being used for my day to day expenses. |
Member Payment Dependent Notes Series 848509
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
848509 |
$2,500 |
$2,500 |
15.62% |
1.00% |
August 12, 2011 |
August 24, 2014 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 848509. Member loan 848509 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,250 / month |
Current employer: | Tyson | Debt-to-income ratio: | 22.92% |
Length of employment: | 3 years | Location: | Golden, MO |
Home town: | |||
Current & past employers: | Tyson | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/10/11 > We had some unexpected medical bills and we want to pay off some old debt. I have a very stable job with a huge company. My monthly income is more than sufficent for paying back this loan. Thank You.
A credit bureau reported the following information about this borrower member on August 10, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,692.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | A loan on a building a wood shop I bought a year and a half ago and two credit cards. |
Member Payment Dependent Notes Series 848538
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
848538 |
$7,500 |
$7,500 |
15.62% |
1.00% |
August 17, 2011 |
August 24, 2014 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 848538. Member loan 848538 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,750 / month |
Current employer: | UPMC | Debt-to-income ratio: | 9.81% |
Length of employment: | 10+ years | Location: | Pittsburgh, PA |
Home town: | |||
Current & past employers: | UPMC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 10, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | 3 |
Revolving Credit Balance: | $8,021.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 61.80% | Months Since Last Record: | 115 |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a public record on file, please briefly explain the event and its resolution. | Thanks for your lending support. In 2002, I was taking care of both of my parents who were sick and elderly. My daughter who is deceased now was terminally ill during this time. These life changing events became financially exhausting. Since this occurrence, I have made credit smart decisions to better my credit profile. |
What is the total balance of your credit cards, interest rates and current monthly payments? | Thanks for your lending support. The total balance for both credit cards is 4600.00. Avg apr is 13 to 15 percent for both credit providers. Lastly, the combined monthly payments are 175.00. However, I pay both credit cards an additional 100.00 per month above the specified amount. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Thanks for your lending support. The current monthly expenses are 617.00 this includes all expenses and bill obligations. |
If you have a delinquency in the last 2 years, please explain the reason. | Thanks for your lending support. In the past two years the delinquency which, has occurred is related to my oldest sister's unexpected death. I assisted my niece with funeral expenses and paid for hospitalization on behalf of my beloved sister. |
If you have a delinquency in the last 2 years, please explain the reason. | Thanks for your lending support. In the past two years the delinquency which, has occurred is related to my oldest sister's unexpected death. I assisted my niece with funeral expenses and paid for hospitalization on behalf of my beloved sister. |
Please explain the reason why you carry a large revolving credit balance. | Thanks for your lending support. My goal with your lending support is to eliminate the balances on both credit cards and retain a zero balance. I plan to maintain these low balances to further enhance my credit profile. |
If you have a public record on file, please briefly explain the event and its resolution. | Thanks for your lending support. In 2002, I was taking care of both of my parents who were sick and elderly. My daughter who is deceased now was terminally ill during this time. These life changing events became financially exhausting. Since this occurrence, I have made credit smart decisions to better my credit profile. |
Member Payment Dependent Notes Series 848794
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
848794 |
$8,000 |
$8,000 |
15.62% |
1.00% |
August 16, 2011 |
August 24, 2014 |
August 24, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 848794. Member loan 848794 was requested on August 10, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,333 / month |
Current employer: | BELLAGIO | Debt-to-income ratio: | 15.87% |
Length of employment: | 10+ years | Location: | LAS VEGAS, NV |
Home town: | |||
Current & past employers: | BELLAGIO | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/11/11 > I have been gainfully employed with the same company for 13+ years in a very stable job. I would like to consolidate my two largest debts: Wells Fargo $5800 at 19% and Mastercard $1800 at 25.9%. With this consolidation I will be able to save $100/month. Thank you for your time and consideration. Borrower added on 08/11/11 > Hello I have been employed at the same company in a stable position for over 13 years. My intention with this loan will be to pay off my two largest debts. Wells Fargo 5800 - 20% and Master Card 1800 - 26% fora total savings of 100/mo. Thank you for your time and consideration.
A credit bureau reported the following information about this borrower member on August 10, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,254.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 90.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Hello my currently monthly expenses are running right around $1900/mo thank you. |
Which debts do you plan to pay off with this loan? | I plan on paying off Wells Fargo $5800 20% and MC $1800 25%. |
Member Payment Dependent Notes Series 848849
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
848849 |
$5,000 |
$5,000 |
10.59% |
1.00% |
August 15, 2011 |
August 25, 2014 |
August 25, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 848849. Member loan 848849 was requested on August 11, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,333 / month |
Current employer: | T-Mobile | Debt-to-income ratio: | 10.34% |
Length of employment: | 5 years | Location: | Bellevue, WA |
Home town: | |||
Current & past employers: | T-Mobile | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 11, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | 58 |
Revolving Credit Balance: | $4,914.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 40.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I haven't had a delinquency in the last 2 years. Every payment has been on time for at least the past 4 years. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have about $5000 in credit card debt (20% interest rate) and $1,100 per month rent. |
Which debts do you plan to pay off with this loan? | Credit card debts with high interest rates. I want to have a structured plan for paying this debt off quickly (so I am not tempted to pay just the minimum balance). I also want to save money on interest rates. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses total about $1700 out of $3000 I make after tax. |
What is your intended use for the loan proceeds? | To pay off credit card debts with a quick plan, as opposed to facing temptation of only paying minimum. Payments and save money on interest. |
Member Payment Dependent Notes Series 849008
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
849008 |
$1,400 |
$1,400 |
15.62% |
1.00% |
August 15, 2011 |
August 25, 2014 |
August 25, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 849008. Member loan 849008 was requested on August 11, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,500 / month |
Current employer: | Fed Ex Ground | Debt-to-income ratio: | 2.28% |
Length of employment: | 4 years | Location: | Oviedo, FL |
Home town: | |||
Current & past employers: | Fed Ex Ground | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 11, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 4 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,887.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 82.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | To purchase a used car |
What is your intended use for the loan proceeds? | To purchase a used car |
Member Payment Dependent Notes Series 849205
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
849205 |
$3,000 |
$3,000 |
11.99% |
1.00% |
August 17, 2011 |
August 25, 2014 |
August 25, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 849205. Member loan 849205 was requested on August 11, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,188 / month |
Current employer: | WEST, Inc. | Debt-to-income ratio: | 22.17% |
Length of employment: | 3 years | Location: | Fort Collins, CO |
Home town: | |||
Current & past employers: | WEST, Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 11, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $16,550.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 73.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 849218
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
849218 |
$12,000 |
$12,000 |
7.49% |
1.00% |
August 17, 2011 |
August 25, 2014 |
August 25, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 849218. Member loan 849218 was requested on August 11, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $9,333 / month |
Current employer: | Sandridge Energy | Debt-to-income ratio: | 11.93% |
Length of employment: | 1 year | Location: | ODESSA, TX |
Home town: | |||
Current & past employers: | Sandridge Energy | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 11, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,643.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 33.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 849385
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
849385 |
$6,000 |
$6,000 |
10.99% |
1.00% |
August 16, 2011 |
August 25, 2014 |
August 25, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 849385. Member loan 849385 was requested on August 11, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,083 / month |
Current employer: | Roerig, Oliveira & Fisher, LLP | Debt-to-income ratio: | 18.69% |
Length of employment: | 4 years | Location: | McAllen, TX |
Home town: | |||
Current & past employers: | Roerig, Oliveira & Fisher, LLP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 11, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1978 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 40 | Months Since Last Delinquency: | 39 |
Revolving Credit Balance: | $3,871.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have a little less than $6,000.00 in credit card debt left over from law school; all between 23% and 30%. The proceeds from this loan are going to consolidate those, and allow me to pay them down more quickly. I have about $140,000 in school loans at between 2% and 5% -- law school and college. I owe about $60,000 on my home with a rate of 5.75%. That's it. |
Member Payment Dependent Notes Series 849464
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
849464 |
$6,000 |
$6,000 |
13.49% |
1.00% |
August 17, 2011 |
August 25, 2014 |
August 25, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 849464. Member loan 849464 was requested on August 11, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,500 / month |
Current employer: | Golden Gate University | Debt-to-income ratio: | 0.31% |
Length of employment: | 3 years | Location: | OAKLAND, CA |
Home town: | |||
Current & past employers: | Golden Gate University | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/11/11 > Thank you for helping us rebuild our small business! Borrower added on 08/11/11 > In 2007, I had to sell my small business as I lost my day job. I found a fantastic employer in 2008, and we're now ready to re-launch our dream (with plenty of lessons learned along the way)!
A credit bureau reported the following information about this borrower member on August 11, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | 18 |
Revolving Credit Balance: | $0.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 94.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | I pay a $1525 mortgage and about $80/month in utilities. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage: $1525/month, $318K to go @ @2.0% (awarded loan modification) Student loans: $18K, in deferment (still taking classes) All credit cards current |
If you have a delinquency in the last 2 years, please explain the reason. | In 2007 I lost my job and fell behind on mortgage. I am now current on my mortgage and have even received a generous loan modification that helps things even more. |
If you have a delinquency in the last 2 years, please explain the reason. | I lost my day job in 2007 and it had ripple effects into 2008 and 2009. The mortgage is now current and I was even granted a loan modification which helps a lot. |
Member Payment Dependent Notes Series 849681
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
849681 |
$3,500 |
$3,500 |
12.99% |
1.00% |
August 17, 2011 |
August 25, 2014 |
August 25, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 849681. Member loan 849681 was requested on August 11, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,667 / month |
Current employer: | Parker Hannifin | Debt-to-income ratio: | 6.66% |
Length of employment: | 4 years | Location: | GREENVILLE, SC |
Home town: | |||
Current & past employers: | Parker Hannifin | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 11, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,400.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 43.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 849809
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
849809 |
$10,000 |
$10,000 |
19.29% |
1.00% |
August 17, 2011 |
August 27, 2014 |
August 27, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 849809. Member loan 849809 was requested on August 13, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $10,000 / month |
Current employer: | Walgreens | Debt-to-income ratio: | 13.12% |
Length of employment: | 8 years | Location: | SCHAUMBURG, IL |
Home town: | |||
Current & past employers: | Walgreens | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 11, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 25 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 41 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $28,137.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | I plan to pay off my credit cards with this loan and my major goal is to make one payment a month and work with cash for the rest of my purchases. |
Which debts do you plan to pay off with this loan? | I plan to pay off my credit cards with this loan and my major goal is to make one payment a month and work with cash for the rest of my purchases. |
Which debts do you plan to pay off with this loan? | I plan to pay off my credit cards with this loan and my major goal is to make one payment a month and work with cash for the rest of my purchases. |
Member Payment Dependent Notes Series 849912
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
849912 |
$7,000 |
$7,000 |
15.99% |
1.00% |
August 16, 2011 |
August 25, 2014 |
August 25, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 849912. Member loan 849912 was requested on August 11, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,417 / month |
Current employer: | RD Brown and CO | Debt-to-income ratio: | 13.13% |
Length of employment: | 7 years | Location: | Millville, NJ |
Home town: | |||
Current & past employers: | RD Brown and CO | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/13/11 > Consolidating 3 credit cards.. null Borrower added on 08/14/11 > Funds will be used to consolidate credit card debt. I have not missed any payments of any kind in 6 years. My job is very stable with a company that has been in business for 20+ years.
A credit bureau reported the following information about this borrower member on August 11, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,479.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 94.50% | Months Since Last Record: | 88 |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a public record on file, please briefly explain the event and its resolution. | Please be more detailed with your question, |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | 2000 MC approx 75 int 17.99%, 1250 MC approx 50 int 19.99%, 3200 private acct 29.99%109, 900 mc 39$ 12.9% |
Member Payment Dependent Notes Series 850106
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
850106 |
$1,325 |
$1,325 |
13.49% |
1.00% |
August 17, 2011 |
August 26, 2014 |
August 26, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 850106. Member loan 850106 was requested on August 12, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,000 / month |
Current employer: | PPI Technology Services | Debt-to-income ratio: | 3.80% |
Length of employment: | < 1 year | Location: | Lafayette, LA |
Home town: | |||
Current & past employers: | PPI Technology Services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/12/11 > I am trying to relocate my family closer to my work to save money. Borrower added on 08/12/11 > I am paying for the rent and moving truck, i am paying the deposit, utilities, etc out of pocket. Thanks
A credit bureau reported the following information about this borrower member on August 12, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 3 | Months Since Last Delinquency: | 24 |
Revolving Credit Balance: | $2,158.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 11.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Can you specify which relocation expenses you are covering with this loan, and which other expenses you are paying out of pocket? | I am paying the deposit out of pocket which is 1500, and utility hook ups. I just need this to help pay the first months rent and moving fees. Thanks. |
Member Payment Dependent Notes Series 850350
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
850350 |
$5,000 |
$5,000 |
15.99% |
1.00% |
August 17, 2011 |
August 26, 2014 |
August 26, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 850350. Member loan 850350 was requested on August 12, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,583 / month |
Current employer: | BOLTTECH-MANNINGS INC | Debt-to-income ratio: | 14.51% |
Length of employment: | 3 years | Location: | STATESVILLE, NC |
Home town: | |||
Current & past employers: | BOLTTECH-MANNINGS INC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 12, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | 51 |
Revolving Credit Balance: | $2,311.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | Hi, I'm sorry, I just noticed I could answer you in private... I make around $5000-$6000 and use or spend around $4000-$4500 a month. |
Member Payment Dependent Notes Series 850365
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
850365 |
$3,600 |
$3,600 |
14.79% |
1.00% |
August 17, 2011 |
August 26, 2014 |
August 26, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 850365. Member loan 850365 was requested on August 12, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,833 / month |
Current employer: | Aetna | Debt-to-income ratio: | 15.19% |
Length of employment: | 9 years | Location: | Pasadena, CA |
Home town: | |||
Current & past employers: | Aetna | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/12/11 > I want to pay off one loan and pay down on my credit cards. null
A credit bureau reported the following information about this borrower member on August 12, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | 30 |
Revolving Credit Balance: | $13,598.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 91.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | There were some larger expences that came up . Also in my strive to have better and better credit I still had older credit that cost significantly more |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent$725.00,phone,Internet,cable,cell$250.00,food$250.00,insurance life,car,200.00,utilities100.00,credit cards $150.00car 260.00 loan 221.00 |
Which debts do you plan to pay off with this loan? | 2600.00 loan pay off... pay down 500.00 on card with 1400.00 bal and pay 500.00 on card with speox 600.00 balance ... The loan pay off will enable me to apply more to my monthly payments on other debt and rebuild savings |
Member Payment Dependent Notes Series 850475
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
850475 |
$3,500 |
$3,500 |
5.42% |
1.00% |
August 17, 2011 |
August 26, 2014 |
August 26, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 850475. Member loan 850475 was requested on August 12, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,000 / month |
Current employer: | Colorado College | Debt-to-income ratio: | 6.78% |
Length of employment: | 10+ years | Location: | Colorado Springs, CO |
Home town: | |||
Current & past employers: | Colorado College | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 12, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,900.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 17.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | The credit balances are from emergency medical expenses and educational expenses for my masters degree. |
Member Payment Dependent Notes Series 850510
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
850510 |
$4,000 |
$4,000 |
15.99% |
1.00% |
August 17, 2011 |
August 26, 2016 |
August 26, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 850510. Member loan 850510 was requested on August 12, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,867 / month |
Current employer: | BCS Financial Corporation | Debt-to-income ratio: | 4.37% |
Length of employment: | 2 years | Location: | WHEATON, IL |
Home town: | |||
Current & past employers: | BCS Financial Corporation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 12, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 20 |
Revolving Credit Balance: | $8,817.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 80.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I have not to my knowledge. |
Please explain the reason why you carry a large revolving credit balance. | I was unemployed 2 years ago for 9 mos. I needed to use that line of credit to live. I have paid it down considerably and always pay more than the minimum. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total credit card balance would be $6,500. I rent therefore I do not have a mortgage. |
If you have a delinquency in the last 2 years, please explain the reason. | I don't have any that I am aware of. If I do though, it was completely an oversight. |
Member Payment Dependent Notes Series 850602
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
850602 |
$3,000 |
$3,000 |
17.49% |
1.00% |
August 16, 2011 |
August 26, 2014 |
August 26, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 850602. Member loan 850602 was requested on August 12, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,833 / month |
Current employer: | ak steel | Debt-to-income ratio: | 10.37% |
Length of employment: | 10+ years | Location: | middletown, OH |
Home town: | |||
Current & past employers: | ak steel | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/12/11 > need loan for vacation Borrower added on 08/14/11 > vacation Borrower added on 08/14/11 > need loan for vacation
A credit bureau reported the following information about this borrower member on August 12, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | 38 |
Revolving Credit Balance: | $0.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 0.00% | Months Since Last Record: | 26 |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | vacation |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | no |
If you have a public record on file, please briefly explain the event and its resolution. | bankruptcy due to being lockout of my job |
Please provide general details of the cost of your vacation. | going to gatlinburg to get remarried |
If you have a public record on file, please briefly explain the event and its resolution. | bankruptcy due to being lockout of my job |
If you have a public record on file, please briefly explain the event and its resolution. | bankruptcy due to being lockout of my job |
If you have a public record on file, please briefly explain the event and its resolution. | bankruptcy due to being lockout of my job |
Member Payment Dependent Notes Series 850619
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
850619 |
$8,400 |
$8,400 |
13.99% |
1.00% |
August 17, 2011 |
August 26, 2014 |
August 26, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 850619. Member loan 850619 was requested on August 12, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,000 / month |
Current employer: | Wellpoint | Debt-to-income ratio: | 8.34% |
Length of employment: | 10+ years | Location: | Shelbyville, KY |
Home town: | |||
Current & past employers: | Wellpoint | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 12, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $732.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 28.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | I am making some home improvements on my parents home. |
Member Payment Dependent Notes Series 850712
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
850712 |
$2,500 |
$2,500 |
16.89% |
1.00% |
August 17, 2011 |
August 26, 2016 |
August 26, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 850712. Member loan 850712 was requested on August 12, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,000 / month |
Current employer: | Hampton Lumber | Debt-to-income ratio: | 19.05% |
Length of employment: | 7 years | Location: | MORTON, WA |
Home town: | |||
Current & past employers: | Hampton Lumber | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/12/11 > I plan to use the loan for home improvement such as updating utilities. I am a good borrower because I am always on time with my payments. I do not have any late payment notifications on my credit report. My monthly budget has an excess of $1000. I have been employed with Hampton Lumber for 7 years, we always have work, and on many occasions have overtime.
A credit bureau reported the following information about this borrower member on August 12, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | 20 |
Revolving Credit Balance: | $554.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 21.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
If you have a delinquency in the last 2 years, please explain the reason. | I believe I may have one late payment notice on my credit from WSECU for an auto loan. We were in the process of refinancing our vehicle and there was confusion on when/who our next payment should be made. Once we got the problem solved, the payment was made only 3 days delinquent. |
If you have a delinquency in the last 2 years, please explain the reason. | I believe I may have one late payment notice on my credit from WSECU for an auto loan. We were in the process of refinancing our vehicle and there was confusion on when/who our next payment should be made. Once we got the problem solved, the payment was made only 3 days delinquent. |
Member Payment Dependent Notes Series 851976
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
851976 |
$2,400 |
$2,400 |
17.49% |
1.00% |
August 16, 2011 |
August 28, 2014 |
August 28, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 851976. Member loan 851976 was requested on August 14, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,000 / month |
Current employer: | HSS | Debt-to-income ratio: | 18.40% |
Length of employment: | 4 years | Location: | Sandy Springs, GA |
Home town: | |||
Current & past employers: | HSS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 14, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | 71 |
Revolving Credit Balance: | $7,870.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 97.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 852085
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
852085 |
$1,500 |
$1,500 |
7.49% |
1.00% |
August 16, 2011 |
August 28, 2014 |
August 28, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 852085. Member loan 852085 was requested on August 14, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,667 / month |
Current employer: | Boulder Cycle Sport | Debt-to-income ratio: | 18.53% |
Length of employment: | 2 years | Location: | longmont, CO |
Home town: | |||
Current & past employers: | Boulder Cycle Sport | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/14/11 > This loan will pay for a major repair on my car. I need to get my transmission replaced and don't have the cash available to do so. This is my third Lending Club loan. The first one I paid off in half the time, and this month I'll be paying off the second loan months early. I plan to pay off this loan early, too.
A credit bureau reported the following information about this borrower member on August 14, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,856.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 53.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 852134
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
852134 |
$7,500 |
$7,500 |
16.89% |
1.00% |
August 17, 2011 |
August 28, 2014 |
August 28, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 852134. Member loan 852134 was requested on August 14, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,625 / month |
Current employer: | Summerlin Hospital Medical Center | Debt-to-income ratio: | 19.36% |
Length of employment: | 2 years | Location: | Las Vegas, NV |
Home town: | |||
Current & past employers: | Summerlin Hospital Medical Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/14/11 > I tried this in December and it worked well for me so now that I received another offer, I decided I should get rid of my last 2 high interest credit cards debt by having one loan and one payment with an end in sight Borrower added on 08/14/11 > I am a current member trying to get rid of my last 2 high interest credit cards with one payment and an end in sight null
A credit bureau reported the following information about this borrower member on August 14, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,705.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 98.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is the total balance of your credit cards, interest rates and current monthly payments? | Balance of the 2 credit cards I want to pay off is $7,445, interest rates are 30.24% and current month payment for both is $295 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: $1,900, Utilities: $250, Phone $80, Insurance $185, Food $320 |
Please explain the reason why you carry a large revolving credit balance. | The only large revolving credit balance is the credit cards I plan to pay off with this loan |
Please itemize for each of the credit cards you plan to pay off the card name (Visa, MasterCard, etc - Please not include bank issuer of card), outstanding balance, current interest rate, and current minimum monthly payment. | Balance of the 2 credit cards (Visa & Mastercard) I want to pay off is $7,445, interest rates are 30.24% and current month payment for both is $295 |
What is the total balance of your credit cards, interest rates and current monthly payments? | Balance of the 2 credit cards I want to pay off is $7,445, interest rates are 30.24% and current month payment for both is $295 |
Member Payment Dependent Notes Series 852422
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
852422 |
$2,000 |
$2,000 |
5.99% |
1.00% |
August 17, 2011 |
August 28, 2014 |
August 28, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 852422. Member loan 852422 was requested on August 14, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,667 / month |
Current employer: | Children's Medical Center Dallas | Debt-to-income ratio: | 9.71% |
Length of employment: | 4 years | Location: | Richardson, TX |
Home town: | |||
Current & past employers: | Children's Medical Center Dallas | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 14, 2011:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $195.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Which debts do you plan to pay off with this loan? | Credit card debt. |
Member Payment Dependent Notes Series 852429
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
852429 |
$5,000 |
$5,000 |
15.99% |
1.00% |
August 17, 2011 |
August 28, 2016 |
August 28, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 852429. Member loan 852429 was requested on August 14, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,500 / month |
Current employer: | pci health training | Debt-to-income ratio: | 21.17% |
Length of employment: | 10+ years | Location: | GARLAND, TX |
Home town: | |||
Current & past employers: | pci health training | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/15/11 > I will use this money to pay for a trip that must be paid in full at reservation time. Then I can pay the loan back monthly.
A credit bureau reported the following information about this borrower member on August 14, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 25 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,669.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 16.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What is your intended use for the loan proceeds? | this money will be used to pay for a trip for my child that can not be paid out monthly, but must be paid in full. |
What is your intended use for the loan proceeds? | this money will be used to pay for a trip for my child that can not be paid out monthly, but must be paid in full. |
Please explain the reason why you carry a large revolving credit balance. | I very rarely carry cash so I use credit cards for everything. I paid for my daughters choir trip last year and related items and most went on cards. |
What is your intended use for the loan proceeds? | this money will be used to pay for a trip for my child that can not be paid out monthly, but must be paid in full. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I live rent free. Car is paid for. so about 500.00 |
Member Payment Dependent Notes Series 852457
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
852457 |
$3,000 |
$3,000 |
8.49% |
1.00% |
August 17, 2011 |
August 28, 2014 |
August 28, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 852457. Member loan 852457 was requested on August 14, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,250 / month |
Current employer: | Pasco County Schools | Debt-to-income ratio: | 15.18% |
Length of employment: | 6 years | Location: | Wesley Chapel, FL |
Home town: | |||
Current & past employers: | Pasco County Schools | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/14/11 > Thanks!
A credit bureau reported the following information about this borrower member on August 14, 2011:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $22,823.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 66.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | We have been unable to pay more than the minimum and have had to use the credit due to medical expenses and salary cuts. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Total now - 600, total after this loan - 700 |
Please explain the reason why you carry a large revolving credit balance. | We have been unable to pay more than the minimum and have had to use the credit due to medical expenses and salary cuts. |
Member Payment Dependent Notes Series 852502
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
852502 |
$4,000 |
$4,000 |
6.99% |
1.00% |
August 17, 2011 |
August 29, 2014 |
August 29, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 852502. Member loan 852502 was requested on August 15, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,417 / month |
Current employer: | Air Force | Debt-to-income ratio: | 25.18% |
Length of employment: | 9 years | Location: | Rockledge, FL |
Home town: | |||
Current & past employers: | Air Force | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/16/11 > I have a stable job working in the Air Force and plan on using the money to purchase a golf cart.
A credit bureau reported the following information about this borrower member on August 14, 2011:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $978.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 3.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 852764
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
852764 |
$5,000 |
$5,000 |
13.99% |
1.00% |
August 17, 2011 |
August 29, 2016 |
August 29, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 852764. Member loan 852764 was requested on August 15, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,000 / month |
Current employer: | Booz Allen Hamilton | Debt-to-income ratio: | 3.52% |
Length of employment: | 8 years | Location: | Reston, VA |
Home town: | |||
Current & past employers: | Booz Allen Hamilton | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 15, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | 25 |
Revolving Credit Balance: | $424.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 8.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 852896
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
852896 |
$6,500 |
$6,500 |
15.99% |
1.00% |
August 17, 2011 |
August 29, 2014 |
August 29, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 852896. Member loan 852896 was requested on August 15, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,833 / month |
Current employer: | Wright's Media | Debt-to-income ratio: | 13.01% |
Length of employment: | 7 years | Location: | Spring, TX |
Home town: | |||
Current & past employers: | Wright's Media | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 15, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,870.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 53.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | Wedding preparation and expenses. Joint income (which is not reflected in the application) will assist in faster payoff as well. Most outstanding balances should be paid off within the year. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage: $1160 Truck: $530 Electric: $200-250 Gas: $50-$100 Insurance: $135 Water: $50-100 Phone/Cell Phone: $0 |
How are you paying for other wedding expenses not covered by this loan? | It's already saved for and paid for (in cash). This is the last outstanding item. The ring. |
Member Payment Dependent Notes Series 852921
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
852921 |
$2,400 |
$2,400 |
15.23% |
1.00% |
August 17, 2011 |
August 29, 2014 |
August 29, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 852921. Member loan 852921 was requested on August 15, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,792 / month |
Current employer: | University of South Florida | Debt-to-income ratio: | 18.01% |
Length of employment: | 3 years | Location: | Tampa, FL |
Home town: | |||
Current & past employers: | University of South Florida | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/15/11 > I have found a great new job and just need help paying off my current lease.
A credit bureau reported the following information about this borrower member on August 15, 2011:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 82 |
Revolving Credit Balance: | $17,418.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 97.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
Please explain the reason why you carry a large revolving credit balance. | I am currently carrying a large revolving credit balance due to the fact I was finishing my schooling. I now have a full time tenure track teaching position that will allow me to make more than minimum payments and reduce my revolving credit balance. |
Will some or all of your moving expenses be reimbursed, if so how much? | Yes, $750.00 of my moving expenses will be reimbursed |
Member Payment Dependent Notes Series 852931
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
852931 |
$1,500 |
$1,500 |
15.62% |
1.00% |
August 17, 2011 |
August 29, 2014 |
August 29, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 852931. Member loan 852931 was requested on August 15, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,250 / month |
Current employer: | University of Illinois | Debt-to-income ratio: | 13.08% |
Length of employment: | 10+ years | Location: | Chicago, IL |
Home town: | |||
Current & past employers: | University of Illinois | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
A credit bureau reported the following information about this borrower member on August 15, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 6 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,153.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 97.90% | Months Since Last Record: | 92 |
Inquiries in the Last 6 Months: | 3 |
Member Payment Dependent Notes Series 853157
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
853157 |
$6,800 |
$6,800 |
18.39% |
1.00% |
August 17, 2011 |
August 29, 2014 |
August 29, 2016 |
$0 |
This series of Notes was issued upon closing and funding of member loan 853157. Member loan 853157 was requested on August 15, 2011 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,833 / month |
Current employer: | walmart transportation | Debt-to-income ratio: | 21.02% |
Length of employment: | 10+ years | Location: | mooresville, NC |
Home town: | |||
Current & past employers: | walmart transportation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 08/15/11 > I am using the funds to have one payment for my monthly budget. I have a great job, work a lot of hours and would like this convenience for paying my bills and to keep them paid in a timely manner. Thank you for helping me to achieve this. null
A credit bureau reported the following information about this borrower member on August 15, 2011:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 26 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 42 | Months Since Last Delinquency: | 6 |
Revolving Credit Balance: | $8,877.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc) | 1500.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | my monthly payments all together add up to be about 900.00 |
If you have a delinquency in the last 2 years, please explain the reason. | i may have been late due to an oversight, but always made it right. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | my monthly payments all together add up to be about 900.00 |
If you have a delinquency in the last 2 years, please explain the reason. | i may have been late due to an oversight, but always made it right. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | my monthly payments all together add up to be about 900.00 |
Which debts do you plan to pay off with this loan? | all credit cards |
If you have a delinquency in the last 2 years, please explain the reason. | i may have been late due to an oversight, but always made it right. |
Prospectus Supplement (Sales Report) No. 3 dated August 17, 2011