Prospectus Supplement (Sales Report) No. 49 dated July 24, 2012 to Prospectus dated August 15, 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 August 15, 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 August 15, 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 1059903
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1059903 |
$26,000 |
$26,000 |
20.49% |
1.00% |
July 24, 2012 |
July 26, 2017 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1059903. Member loan 1059903 was requested on July 12, 2012 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: | Perkins Coie LLP | Debt-to-income ratio: | 21.18% |
Length of employment: | 5 years | Location: | SEATTLE, WA |
Home town: | |||
Current & past employers: | Perkins Coie 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 July 4, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 49 |
Revolving Credit Balance: | $18,391.00 | 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 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total balance is $25,000.00 with 5 credit cards. Interest rates run 15-25%. This loan is a lower rate and total lower monthly payment. |
Which debts do you plan to pay off with this loan? | credit cards. With this loan my only other monthly bill is rent. |
Please explain the reason why you carry a large revolving credit balance. | Moved out of state for a job several years ago, which fell through once I moved. Had to use credit cards to get by for several months |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1,500.00 at the most. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | $1,500.00 at the most. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | $1,500.00 at the most. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total balance is $25,000.00 with 5 credit cards. Interest rates run 15-25%. This loan is a lower rate and total lower monthly payment. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1,500.00 at the most. |
Please explain the reason why you carry a large revolving credit balance. | Moved out of state for a job several years ago, which fell through once I moved. Had to use credit cards to get by for several months |
Member Payment Dependent Notes Series 1091394
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1091394 |
$1,000 |
$1,000 |
14.09% |
1.00% |
July 20, 2012 |
July 29, 2015 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1091394. Member loan 1091394 was requested on July 15, 2012 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: | Autoliv | Debt-to-income ratio: | 17.11% |
Length of employment: | 5 years | Location: | Santa Barbara, CA |
Home town: | |||
Current & past employers: | Autoliv | ||
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 15, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | 26 |
Revolving Credit Balance: | $18,679.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 71.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Total monthly expenses equals to 900 per month |
What portion of your wedding expenses does this loan represent? | About 70 % |
Member Payment Dependent Notes Series 1147277
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1147277 |
$20,000 |
$20,000 |
14.09% |
1.00% |
July 19, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1147277. Member loan 1147277 was requested on July 3, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,917 / month |
Current employer: | New York Downtown Hospital | Debt-to-income ratio: | 6.58% |
Length of employment: | 10+ years | Location: | JERSEY CITY, NJ |
Home town: | |||
Current & past employers: | New York Downtown Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/03/12 > My roof is leaking I have gotten several estimate average cost $10,000 plus repair of water damage. I like to consulate my credit card balance so I only have one major payment Thanks<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,198.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 65.70% | Months Since Last Record: | 114 |
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)? | I have no home equity loans but banks need to be at 80% and my morg is at 95% my morg is $3000 that inc taxes and ins and I have rental income 0f $2000. only two credit cards. |
Member Payment Dependent Notes Series 1248431
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1248431 |
$30,000 |
$30,000 |
15.31% |
1.00% |
July 20, 2012 |
July 16, 2017 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1248431. Member loan 1248431 was requested on July 2, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,898 / month |
Current employer: | Diebold, Inc. | Debt-to-income ratio: | 29.56% |
Length of employment: | 5 years | Location: | STREETSBORO, OH |
Home town: | |||
Current & past employers: | Diebold, 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 2, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1999 | 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: | $45,742.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 58.80% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Our mortgage is currently $1500, we have one car payment of $677, utilities are about $500 per month between gas, electric, phone, cable, etc. We budget $125 weekly for groceries and about the same for gasoline for transportation. Insurance is $600 every 6 months. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | We currently have 3 outstanding debt balances that we are trying to combine into one as we are spending $1350 per mo. on these payments (which is more than the minimum payments) however we would like to be able to pay this down faster and have chosen to pursue a way to consolidate the debt and have a finite payoff. The balances are, $8300 18 percent; $15500 22 percent; $4400 12 percent |
Please explain the reason why you carry a large revolving credit balance. | Due to unemployment several years ago, we needed to utilize all of our credit for living expenses. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | We currently have 3 outstanding debt balances that we are trying to combine into one as we are spending $1350 per mo. on these payments (which is more than the minimum payments) however we would like to be able to pay this down faster and have chosen to pursue a way to consolidate the debt and have a finite payoff. The balances are, $8300 18 percent; $15500 22 percent; $4400 12 percent |
What is your intended use for the loan proceeds? | To pay off 3 specific debts - consolidating the debts into one payment to pay down faster. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | We currently have 3 outstanding debt balances that we are trying to combine into one as we are spending $1350 per mo. on these payments (which is more than the minimum payments) however we would like to be able to pay this down faster and have chosen to pursue a way to consolidate the debt and have a finite payoff. The balances are, $8300 18 percent; $15500 22 percent; $4400 12 percent |
Which debts do you plan to pay off with this loan? | 3 specific debts to consolidate and pay down faster/ |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Paying down 3 specific debts to consolidate our bills into one payment to pay down faster. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | I have answered this previously, however:<br>1500 mortgage<br>500 electric, gas, phone, internet<br>600 every 6 mos for insurance<br>150 per week travel expenses |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | I have answered this previously, however:<br>1500 mortgage<br>500 electric, gas, phone, internet<br>600 every 6 mos for insurance<br>150 per week travel expenses |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Our mortgage is currently $1500, we have one car payment of $677, utilities are about $500 per month between gas, electric, phone, cable, etc. We budget $125 weekly for groceries and about the same for gasoline for transportation. Insurance is $600 every 6 months. |
Member Payment Dependent Notes Series 1253807
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1253807 |
$28,000 |
$28,000 |
13.11% |
1.00% |
July 18, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1253807. Member loan 1253807 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,417 / month |
Current employer: | Valverde Unified School District | Debt-to-income ratio: | 17.39% |
Length of employment: | 10+ years | Location: | Moreno Valley, CA |
Home town: | |||
Current & past employers: | Valverde Unified School District | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Loan will be used to consolidate higher interest credit cards and to pay off a small auto loan that was refinanced.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,975.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 26.00% | 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)? | Current monthly expenses are:<br>Mortgage payment $1415.00<br>Car payments $475<br>Utilities $200<br>Phone $150<br>Insurance $110<br>Food $600 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Current monthly expenses are:<br>Mortgage payment $1415.00<br>Car payments $475<br>Utilities $200<br>Phone $150<br>Insurance $110<br>Food $600 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Current monthly expenses are:<br>Mortgage payment $1415.00<br>Car payments $475<br>Utilities $200<br>Phone $150<br>Insurance $110<br>Food $600 |
Member Payment Dependent Notes Series 1293912
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1293912 |
$35,000 |
$35,000 |
22.47% |
1.00% |
July 20, 2012 |
July 21, 2017 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1293912. Member loan 1293912 was requested on July 7, 2012 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: | State of South Carolina | Debt-to-income ratio: | 20.17% |
Length of employment: | 10+ years | Location: | COLUMBIA, SC |
Home town: | |||
Current & past employers: | State of South Carolina | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > To consolidate debt to better manage, as the family has had personal challenges the last few years. On my way to recovery!<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $36,171.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 93.50% | 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 explain the reason why you carry a large revolving credit balance. | I carry a large amount of debt due to family circumstances that involved a serious medical issue and then job loss. I have been sole provider which has greatly taxed me. |
Which debts do you plan to pay off with this loan? | I plan to pay off higher interest debt and then close accounts. I have determined what to pay off. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I will pay off and close rather than distribute. I will then have some available cash through this consolidation loan. |
What is your intended use for the loan proceeds? | Debt consolidation in order to get back on track. Pay off bills in order to decrease interest on higher rate credit cards and to generate cash flow. |
Please explain the reason why you carry a large revolving credit balance. | I carry a large amount of debt due to family circumstances that involved a serious medical issue and then job loss. I have been sole provider which has greatly taxed me. |
Which debts do you plan to pay off with this loan? | I plan to pay off higher interest debt and then close accounts. I have determined what to pay off. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I will pay off and close rather than distribute. I will then have some available cash through this consolidation loan. |
Which debts do you plan to pay off with this loan? | I plan to pay off higher interest debt and then close accounts. I have determined what to pay off. |
Member Payment Dependent Notes Series 1308535
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1308535 |
$6,000 |
$6,000 |
14.33% |
1.00% |
July 24, 2012 |
July 28, 2015 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1308535. Member loan 1308535 was requested on July 14, 2012 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: | University of Phoenix | Debt-to-income ratio: | 9.75% |
Length of employment: | 1 year | Location: | EL PASO, TX |
Home town: | |||
Current & past employers: | University of Phoenix | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/14/12 > Consolidate high balance credit cards<br><br> Borrower added on 07/14/12 > Tell your story. What is your loan for?<br>
A credit bureau reported the following information about this borrower member on June 23, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1993 | 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: | $10,291.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 83.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1316652
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1316652 |
$19,200 |
$19,200 |
18.49% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1316652. Member loan 1316652 was requested on July 11, 2012 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: | Syscomtech | Debt-to-income ratio: | 1.44% |
Length of employment: | 10+ years | Location: | Vienna, VA |
Home town: | |||
Current & past employers: | Syscomtech | ||
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 June 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 6 | Months Since Last Delinquency: | 5 |
Revolving Credit Balance: | $5,717.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 28.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1316778
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1316778 |
$35,000 |
$35,000 |
21.49% |
1.00% |
July 20, 2012 |
July 13, 2017 |
July 13, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1316778. Member loan 1316778 was requested on June 29, 2012 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: | Sensus | Debt-to-income ratio: | 18.26% |
Length of employment: | 6 years | Location: | Covington, LA |
Home town: | |||
Current & past employers: | Sensus | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/04/12 > We want to consolidate our credit card debt.<br>
A credit bureau reported the following information about this borrower member on June 28, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $135,055.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.60% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $4500 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 1st Mortgage $400k 4.875% $2200<br>HELOC $100k 3.625% $325<br>Auto $35k 2.9% $625<br>Auto $30k 2.9% $575<br>CCard $9500 29% $330<br>CCard $7000 24% $190<br>CCard $7000 18% $150<br>CCard $6000 18% $125<br>CCard $2000 20% $50<br>CCard $1200 20% $35<br>CCard $1000 0% $50<br>CCard $700 0% $25<br>Student Load $9500 6.8% $160 |
Please explain the reason why you carry a large revolving credit balance. | I had some medical issues last year that required us to spend more money than usual and work less than usual. As a result, we incurred extra debt. I am now fully recovered and looking to consolidate our debt. |
Which debts do you plan to pay off with this loan? | Credit Card $9500<br>Credit Card $7000<br>Credit Card $7000<br>Credit Card $6000<br>Credit Card $2000<br>Credit Card $1200<br>Credit Card $1000 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 1st Mortgage $400k 4.875% $2200<br>HELOC $100k 3.625% $325<br>Auto $35k 2.9% $625<br>Auto $30k 2.9% $575<br>CCard $9500 29% $330<br>CCard $7000 24% $190<br>CCard $7000 18% $150<br>CCard $6000 18% $125<br>CCard $2000 20% $50<br>CCard $1200 20% $35<br>CCard $1000 0% $50<br>CCard $700 0% $25<br>Student Load $9500 6.8% $160 |
Member Payment Dependent Notes Series 1323872
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1323872 |
$21,000 |
$21,000 |
18.75% |
1.00% |
July 19, 2012 |
July 17, 2017 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1323872. Member loan 1323872 was requested on July 3, 2012 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: | AVIONICS SALES CORP | Debt-to-income ratio: | 21.28% |
Length of employment: | 10+ years | Location: | KANSAS CITY, KS |
Home town: | |||
Current & past employers: | AVIONICS SALES CORP | ||
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 June 27, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | 36 |
Revolving Credit Balance: | $16,736.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 52.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1329247
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1329247 |
$8,000 |
$8,000 |
14.09% |
1.00% |
July 19, 2012 |
July 11, 2015 |
July 11, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1329247. Member loan 1329247 was requested on June 27, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,167 / month |
Current employer: | Overlake Hospital | Debt-to-income ratio: | 8.20% |
Length of employment: | 3 years | Location: | Redmond, WA |
Home town: | |||
Current & past employers: | Overlake Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > This is to help save money each month for a major move out of state and hopefully the purchase of a home.<br>
A credit bureau reported the following information about this borrower member on June 2, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,073.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 30.70% | 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)? | All bills total approx. $3200.00. This includes rent, car payment, 4 credit cards, miscel bills, insurance & food. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | All bills total approx. $3200.00. This includes rent, car payment, 4 credit cards, miscel bills, insurance & food. |
Member Payment Dependent Notes Series 1333847
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1333847 |
$19,200 |
$19,200 |
16.29% |
1.00% |
July 19, 2012 |
July 27, 2017 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1333847. Member loan 1333847 was requested on July 13, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,533 / month |
Current employer: | Kohl's Department Stores | Debt-to-income ratio: | 18.51% |
Length of employment: | 4 years | Location: | Little Elm, TX |
Home town: | |||
Current & past employers: | Kohl's Department Stores | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > I have my first child due in Aug & need this loan to help pay for delivery costs from the hospital and doctor. I also need this to help consolidate some of my credit card debt. Please help make this a reality for my family. I want to be a great father to soon to be new baby girl!<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $44,611.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.60% | 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 current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Interest rates vary by card but range somewhere between 18% and 25%, no student loans, mortgage balance is somewhere around $187k with a monthly payment of around $1588 which includes homeowners insurance premium and property/school taxes, car loan should hopefully be paid off this month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car loan for transportation will likely be paid off this month, utilities are around $250/month for water/gas/electric, $65/month for cell phone, car insurance is a little over $100/month, food bill is approx $400/month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car loan for transportation will likely be paid off this month, utilities are around $250/month for water/gas/electric, $65/month for cell phone, car insurance is a little over $100/month, food bill is approx $400/month. |
Please explain the reason why you carry a large revolving credit balance. | The reason is my wife & I got married sooner than we had anticipated. We were going to pay off our individual debts before marrying. My father got pancreatic cancer and we wanted him to see me (his only son) get married before he passed away so we got married before we got our debts paid off. Then obviously my wife relocated to where I lived. We had to amend her divorce decree as my step-daughter had a geographic restriction where she would live. Attorney fees are part of this debt as well |
Please explain the reason why you carry a large revolving credit balance. | The reason is my wife & I got married sooner than we had anticipated. We were going to pay off our individual debts before marrying. My father got pancreatic cancer and we wanted him to see me (his only son) get married before he passed away so we got married before we got our debts paid off. Then obviously my wife relocated to where I lived. We had to amend her divorce decree as my step-daughter had a geographic restriction where she would live. Attorney fees are part of this debt as well |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car loan for transportation will likely be paid off this month, utilities are around $250/month for water/gas/electric, $65/month for cell phone, car insurance is a little over $100/month, food bill is approx $400/month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Interest rates vary by card but range somewhere between 18% and 25%, no student loans, mortgage balance is somewhere around $187k with a monthly payment of around $1588 which includes homeowners insurance premium and property/school taxes, car loan should hopefully be paid off this month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car loan for transportation will likely be paid off this month, utilities are around $250/month for water/gas/electric, $65/month for cell phone, car insurance is a little over $100/month, food bill is approx $400/month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car loan for transportation will likely be paid off this month, utilities are around $250/month for water/gas/electric, $65/month for cell phone, car insurance is a little over $100/month, food bill is approx $400/month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Interest rates vary by card but range somewhere between 18% and 25%, no student loans, mortgage balance is somewhere around $187k with a monthly payment of around $1588 which includes homeowners insurance premium and property/school taxes, car loan should hopefully be paid off this month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Interest rates vary by card but range somewhere between 18% and 25%, no student loans, mortgage balance is somewhere around $187k with a monthly payment of around $1588 which includes homeowners insurance premium and property/school taxes, car loan should hopefully be paid off this month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car loan for transportation will likely be paid off this month, utilities are around $250/month for water/gas/electric, $65/month for cell phone, car insurance is a little over $100/month, food bill is approx $400/month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Interest rates vary by card but range somewhere between 18% and 25%, no student loans, mortgage balance is somewhere around $187k with a monthly payment of around $1588 which includes homeowners insurance premium and property/school taxes, car loan should hopefully be paid off this month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Interest rates vary by card but range somewhere between 18% and 25%, no student loans, mortgage balance is somewhere around $187k with a monthly payment of around $1588 which includes homeowners insurance premium and property/school taxes, car loan should hopefully be paid off this month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Interest rates vary by card but range somewhere between 18% and 25%, no student loans, mortgage balance is somewhere around $187k with a monthly payment of around $1588 which includes homeowners insurance premium and property/school taxes, car loan should hopefully be paid off this month. |
Member Payment Dependent Notes Series 1333875
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1333875 |
$31,825 |
$31,825 |
23.28% |
1.00% |
July 23, 2012 |
July 22, 2017 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1333875. Member loan 1333875 was requested on July 8, 2012 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: | On Assignment | Debt-to-income ratio: | 30.50% |
Length of employment: | < 1 year | Location: | CALABASAS, CA |
Home town: | |||
Current & past employers: | On Assignment | ||
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 1, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 19 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 15 |
Revolving Credit Balance: | $33,100.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.20% | 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 average monthly expenses is $3250 which includes food, apartment rental, utilities, Car amortization, gasoline, insurance, etc. |
Member Payment Dependent Notes Series 1335660
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1335660 |
$4,800 |
$4,800 |
8.90% |
1.00% |
July 24, 2012 |
July 12, 2015 |
July 12, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1335660. Member loan 1335660 was requested on June 28, 2012 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: | n/a | Debt-to-income ratio: | 34.40% |
Length of employment: | n/a | Location: | Edmonds, WA |
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 June 28, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2000 | 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: | $16,353.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.40% | 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. | School tuition & wedding expenses |
Member Payment Dependent Notes Series 1336829
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1336829 |
$10,450 |
$10,450 |
14.09% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1336829. Member loan 1336829 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,667 / month |
Current employer: | Morgan Stanley Smith Barney | Debt-to-income ratio: | 16.54% |
Length of employment: | 2 years | Location: | Essex Junction, VT |
Home town: | |||
Current & past employers: | Morgan Stanley Smith Barney | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > I would like to consolidate my other Lending Club loan and also buy a used car. Thanks for your consideration.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,192.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 81.30% | 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)? | Total monthly expenses are $2600 including debt repayment. |
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. | I would like to use this loan to payoff my current Lending Club $and purchase a used car.<br>Lending Club $6,483, 16.32%<br>Used car purchase $2,700 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I have revised my initial request. I would like to use this loan to payoff my current Lending Club loan of $6483 plus purchase a used car for $2,700. The current monthly payment for Lending Club is $212. |
Member Payment Dependent Notes Series 1337307
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1337307 |
$18,075 |
$18,075 |
19.72% |
1.00% |
July 24, 2012 |
July 16, 2017 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1337307. Member loan 1337307 was requested on July 2, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,877 / month |
Current employer: | Clarkson University | Debt-to-income ratio: | 24.04% |
Length of employment: | 7 years | Location: | Potsdam , NY |
Home town: | |||
Current & past employers: | Clarkson 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 June 4, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $23,292.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 88.90% | 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)? | Mortgage & Taxes $820.00<br>Utilities: Cable/Electric/Natural Gas: $200<br>Insurance: $30 per month |
What is the total balance of your credit cards, interest rates and current monthly payments? | $21,000 total for all credit cards. Interest rates vary. Approximately $650 combined minimum monthly payment however I pay more than the minimum on every card each month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage: $840<br>Phone: Paid for by work<br>Utilities: $200<br>Food: $300 per month<br>Gas for transportation: $50 per month |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Total minimum payments currently is $600. <br>Payoff is $21,000<br>All will be paid off with this loan accept approximately one card which will still have balance of $3300. Min payment on this card is $75 however I plan to pay $150 in order to pay it off within 3 years. |
What is the total balance of your credit cards, interest rates and current monthly payments? | $21,000 total for all credit cards. Interest rates vary. Approximately $650 combined minimum monthly payment however I pay more than the minimum on every card each month. |
What is the total balance of your credit cards, interest rates and current monthly payments? | $21,000 total for all credit cards. Interest rates vary. Approximately $650 combined minimum monthly payment however I pay more than the minimum on every card each month. |
Member Payment Dependent Notes Series 1341373
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1341373 |
$12,000 |
$12,000 |
15.31% |
1.00% |
July 19, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1341373. Member loan 1341373 was requested on July 2, 2012 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: | Hunters Run c.c. | Debt-to-income ratio: | 18.92% |
Length of employment: | 1 year | Location: | BOCA RATON, FL |
Home town: | |||
Current & past employers: | Hunters Run c.c. | ||
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 2, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,086.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 86.20% | 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)? | 2590 |
What is the estimated current market value of the home you intend to purchase? | 65000 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | if the bank deny my aplication then I will use de money too pay off my debt on my credit cards and apply again in about 2 years then do not need to pay anny credit debt and the money insted to pay this cards will be used to pay this loan |
What is your intended use for the loan proceeds? | ffirst too pay my credit debts rise my credit score then by a house is time after 16 years renting apartments or houses is time to get somenting secure for my family |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 2590 |
Please explain the reason why you carry a large revolving credit balance. | because my wife wish no to have this revolving credit balance with good and your help i can do this |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | if the bank deny my aplication then I will use de money too pay off my debt on my credit cards and apply again in about 2 years then do not need to pay anny credit debt and the money insted to pay this cards will be used to pay this loan |
Member Payment Dependent Notes Series 1341951
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1341951 |
$35,000 |
$35,000 |
22.95% |
1.00% |
July 20, 2012 |
July 16, 2017 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1341951. Member loan 1341951 was requested on July 2, 2012 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: | US Army | Debt-to-income ratio: | 27.22% |
Length of employment: | 10+ years | Location: | Enterprise, AL |
Home town: | |||
Current & past employers: | US Army | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > This loan is to pay off my debt and have one payment. Thanks for your consideration.<br>
A credit bureau reported the following information about this borrower member on July 1, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1995 | 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: | $17,970.00 | 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 |
Please explain the reason why you carry a large revolving credit balance. | I guess the real reason was trying to keep up with the Jones. I am trying to consolidate them all to one bill. They have been closed between two to three years and they are beeing paid off slowly but for sure. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 15,858 with a 8.9% apr and a monthly payment of 240 a month<br>8,350 with a 3.49% apr and a monthly payment of 334 a month<br>6,500 with a 11.25% apr and a monthly payment of 258 a month<br>5,135 with a 16.58% apr and a monthly payment of 140 a month |
Which debts do you plan to pay off with this loan? | 15,858 with a 8.9% apr and a monthly payment of 240 a month<br>8,350 with a 3.49% apr and a monthly payment of 334 a month<br>6,500 with a 11.25% apr and a monthly payment of 258 a month<br>5,135 with a 16.58% apr and a monthly payment of 140 a month<br><br>The top thre are my priority to pay off first. What is left will be put on the last one. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My rent is 650 a month cable, water and trash are together and it is added for anohter 60 a month. vehicle payment is 586 a month. utilities range from 85 to 150 a month. phone is around 170 a month (cell). Insurance is provided free for me through my job. Food runs 75-100 a week. Gas maybe 150 a month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 15,858 with a 8.9% apr and a monthly payment of 240 a month<br>8,350 with a 3.49% apr and a monthly payment of 334 a month<br>6,500 with a 11.25% apr and a monthly payment of 258 a month<br>5,135 with a 16.58% apr and a monthly payment of 140 a month |
Please explain the reason why you carry a large revolving credit balance. | I guess the real reason was trying to keep up with the Jones. I am trying to consolidate them all to one bill. They have been closed between two to three years and they are beeing paid off slowly but for sure. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My rent is 650 a month cable, water and trash are together and it is added for anohter 60 a month. vehicle payment is 586 a month. utilities range from 85 to 150 a month. phone is around 170 a month (cell). Insurance is provided free for me through my job. Food runs 75-100 a week. Gas maybe 150 a month. |
Which debts do you plan to pay off with this loan? | 15,858 with a 8.9% apr and a monthly payment of 240 a month<br>8,350 with a 3.49% apr and a monthly payment of 334 a month<br>6,500 with a 11.25% apr and a monthly payment of 258 a month<br>5,135 with a 16.58% apr and a monthly payment of 140 a month<br><br>The top thre are my priority to pay off first. What is left will be put on the last one. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 15,858 with a 8.9% apr and a monthly payment of 240 a month<br>8,350 with a 3.49% apr and a monthly payment of 334 a month<br>6,500 with a 11.25% apr and a monthly payment of 258 a month<br>5,135 with a 16.58% apr and a monthly payment of 140 a month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 15,858 with a 8.9% apr and a monthly payment of 240 a month<br>8,350 with a 3.49% apr and a monthly payment of 334 a month<br>6,500 with a 11.25% apr and a monthly payment of 258 a month<br>5,135 with a 16.58% apr and a monthly payment of 140 a month |
Which debts do you plan to pay off with this loan? | 15,858 with a 8.9% apr and a monthly payment of 240 a month<br>8,350 with a 3.49% apr and a monthly payment of 334 a month<br>6,500 with a 11.25% apr and a monthly payment of 258 a month<br>5,135 with a 16.58% apr and a monthly payment of 140 a month<br><br>The top thre are my priority to pay off first. What is left will be put on the last one. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 15,858 with a 8.9% apr and a monthly payment of 240 a month<br>8,350 with a 3.49% apr and a monthly payment of 334 a month<br>6,500 with a 11.25% apr and a monthly payment of 258 a month<br>5,135 with a 16.58% apr and a monthly payment of 140 a month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 15,858 with a 8.9% apr and a monthly payment of 240 a month<br>8,350 with a 3.49% apr and a monthly payment of 334 a month<br>6,500 with a 11.25% apr and a monthly payment of 258 a month<br>5,135 with a 16.58% apr and a monthly payment of 140 a month |
Which debts do you plan to pay off with this loan? | 15,858 with a 8.9% apr and a monthly payment of 240 a month<br>8,350 with a 3.49% apr and a monthly payment of 334 a month<br>6,500 with a 11.25% apr and a monthly payment of 258 a month<br>5,135 with a 16.58% apr and a monthly payment of 140 a month<br><br>The top thre are my priority to pay off first. What is left will be put on the last one. |
What is your intended use for the loan proceeds? | I have some loans that I have been closed and I want to pay them off. Then I will have just the one bill instead of a few. Thanks for your consideration. |
Member Payment Dependent Notes Series 1344318
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1344318 |
$20,000 |
$20,000 |
22.47% |
1.00% |
July 20, 2012 |
July 13, 2015 |
July 13, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1344318. Member loan 1344318 was requested on June 29, 2012 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: | Cabell Huntington Hospital | Debt-to-income ratio: | 12.12% |
Length of employment: | 10+ years | Location: | Proctorville, OH |
Home town: | |||
Current & past employers: | Cabell Huntington 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 June 6, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 24 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 56 | Months Since Last Delinquency: | 7 |
Revolving Credit Balance: | $16,045.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 50.20% | 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 explain the reason why you carry a large revolving credit balance. | Myself and my daughter attending college classes and using credit vards for large unplanned expenses |
Please explain the reason why you carry a large revolving credit balance. | Myself and my daughter attending college classes and using credit vards for large unplanned expenses |
Please explain the reason why you carry a large revolving credit balance. | Myself and my daughter attending college classes and using credit vards for large unplanned expenses |
Member Payment Dependent Notes Series 1344353
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1344353 |
$2,000 |
$2,000 |
15.80% |
1.00% |
July 20, 2012 |
July 13, 2015 |
July 13, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1344353. Member loan 1344353 was requested on June 29, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,252 / month |
Current employer: | n/a | Debt-to-income ratio: | 17.89% |
Length of employment: | n/a | Location: | Cornville, 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 June 7, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,953.00 | 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 |
Please explain the reason why you carry a large revolving credit balance. | I have not been able to find work (don't want to do caregiving any longer, and the pickings have been slim). I receive my social security each month, but that does not pay for much. I began using my credit cards to pay utilities and medical bills (until my medicare kicked in), and, as you know, that was a very big red flag...got myself over-my-head and my credit rating slipped so I am unable to pay off my heavy load. I hope to pay down the highest interest cards (27%) so monthly payments go down |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Overall, I owe about $12,500 (just had two eye surgeries that did not help)! ARRRGGGH! My credit rating has slipped so I am not able to totally consolidate. I live on my social security, and, so far cannot find a job...still trying. I am trying to get rid of the worst offenders Discover is 26%! |
Which debts do you plan to pay off with this loan? | Discover and BillMeLater paid down...they have the largest interest rates...of course, with this money I will not be able to pay in entirety, but have to get something "gone" so I can begin paying my eye surgery costs. |
Member Payment Dependent Notes Series 1349253
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1349253 |
$8,800 |
$8,800 |
7.62% |
1.00% |
July 20, 2012 |
July 18, 2015 |
July 18, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1349253. Member loan 1349253 was requested on July 4, 2012 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: | Anderson County Sheriff's Office | Debt-to-income ratio: | 5.96% |
Length of employment: | 5 years | Location: | Central, SC |
Home town: | |||
Current & past employers: | Anderson County Sheriff's Office | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/04/12 > For initial start up funds for an home based business<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2002 | 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: | $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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | All monthly expenses add up to an total of $2,063.00 dollars. |
What type of business are you starting? | It is the first of its kind fully automated internet business, where you earn as you learn. While you learn the ins and outs of internet selling and lead development and business operations, other coaches and mentors help you earn as you learn. It is also the only business opportunity to give a full twelve month refund guarantee. That is, if the individual does not at least recoup their initial investment within the first twelve months, that investment will be refunded. |
What will be the largest expense in the first six months? | Educational Materials, Training and updated phone and computer equipment, to include my web site building and marketing education. |
What is your intended use for the loan proceeds? | To upgrade electronic equipment such as fax/phone/computer equipment. |
What type of business are you starting? | It is the first of its kind fully automated internet business, where you earn as you learn. While you learn the ins and outs of internet selling and lead development and business operations, other coaches and mentors help you earn as you learn. It is also the only business opportunity to give a full twelve month refund guarantee. That is, if the individual does not at least recoup their initial investment within the first twelve months, that investment will be refunded. |
Please describe your experience/familiarity with the business you are starting/started? | I do have previous experience running an internet business and with this business model. The money making potential for anyone whom enters this business are exceptional. |
Please describe your experience/familiarity with the business you are starting/started? | I do have previous experience running an internet business and with this business model. The money making potential for anyone whom enters this business are exceptional. |
Member Payment Dependent Notes Series 1351176
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1351176 |
$22,000 |
$22,000 |
15.31% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1351176. Member loan 1351176 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $12,083 / month |
Current employer: | NetApp | Debt-to-income ratio: | 17.25% |
Length of employment: | < 1 year | Location: | SAN JOSE, CA |
Home town: | |||
Current & past employers: | NetApp | ||
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 6, 2012:
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: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $34,149.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 77.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
Member Payment Dependent Notes Series 1351233
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1351233 |
$20,000 |
$20,000 |
12.12% |
1.00% |
July 23, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1351233. Member loan 1351233 was requested on July 8, 2012 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: | KAMO Power | Debt-to-income ratio: | 28.12% |
Length of employment: | 10+ years | Location: | Neosho, MO |
Home town: | |||
Current & past employers: | KAMO Power | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I am starting up a tool sales business. I am a veteran of the first Gulf War. I am a father of 2, 19 and 17 year old daughters and a husband of wonderful women for nearly 21 years. Thank you for your investment in me.<br><br> Borrower added on 07/09/12 > Mobile tool business start up capital.<br>
A credit bureau reported the following information about this borrower member on June 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 45 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $44,980.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 23.10% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | If this loan were to get funded, my monthly expenses will be approx 3000 per month. |
Please explain the reason why you carry a large revolving credit balance. | I have two credit cards with a balance, both at zero percent. The Bank of America shows as a revolving balance but it was a home equity, I thought. Just a note, if this loan gets funded I will liquidate one of my retirement accounts and pay off everything, including this loan, with exception to my mortgage, by early September 2012. |
Please describe your experience/familiarity with the business you are starting/started? | I have never been a salesman, I was a mechanic in the service and I owned and operated my own trucking company, in the early 90s, with success. I really enjoy customer service so this business fits me really well. |
What will be the largest expense in the first six months? | Tool inventory. |
What do you project your monthly revenues for the first 6 months to be? | Hopefully 18 to 20 grand |
Please describe your experience/familiarity with the business you are starting/started? | I have never been a salesman, I was a mechanic in the service and I owned and operated my own trucking company, in the early 90s, with success. I really enjoy customer service so this business fits me really well. |
Member Payment Dependent Notes Series 1355211
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1355211 |
$1,600 |
$1,600 |
14.09% |
1.00% |
July 19, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1355211. Member loan 1355211 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,833 / month |
Current employer: | Harper Construction Company, Inc. | Debt-to-income ratio: | 19.06% |
Length of employment: | 10+ years | Location: | Wilmington, NC |
Home town: | |||
Current & past employers: | Harper Construction Company, Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > Hello, <br>I am trying to help my family member fix their bathroom at house, which is the same place I live (pay $330 in rent). Rest of money will be used to buy a plane ticket.<br>I have worked at same company for 12 yrs and I have never been late on a credit payment. Thank you for your time.<br>
A credit bureau reported the following information about this borrower member on June 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,915.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1358489
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1358489 |
$7,000 |
$7,000 |
12.12% |
1.00% |
July 20, 2012 |
July 15, 2015 |
July 15, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1358489. Member loan 1358489 was requested on July 1, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,500 / month |
Current employer: | Damond resorts | Debt-to-income ratio: | 19.96% |
Length of employment: | 3 years | Location: | williamsburg , VA |
Home town: | |||
Current & past employers: | Damond resorts | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/04/12 > Im taking 4 credit cards and tring to cut the interrest , and cut up some cards<br>
A credit bureau reported the following information about this borrower member on July 1, 2012:
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: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,532.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 40.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1358591
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1358591 |
$3,175 |
$3,175 |
18.75% |
1.00% |
July 19, 2012 |
July 13, 2015 |
July 13, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1358591. Member loan 1358591 was requested on June 29, 2012 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: | Institute of Transpersonal Psychology | Debt-to-income ratio: | 23.27% |
Length of employment: | 2 years | Location: | CHINO HILLS, CA |
Home town: | |||
Current & past employers: | Institute of Transpersonal Psychology | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/29/12 > To help my partner over summer<br>
A credit bureau reported the following information about this borrower member on June 12, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 24 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $21,524.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.00% | 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 |
Please explain the reason why you carry a large revolving credit balance. | The birth of my daughter while still in my PhD program. |
Member Payment Dependent Notes Series 1363205
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1363205 |
$15,000 |
$15,000 |
16.29% |
1.00% |
July 19, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1363205. Member loan 1363205 was requested on July 2, 2012 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: | Polk County School Board | Debt-to-income ratio: | 19.83% |
Length of employment: | 3 years | Location: | Auburndale, FL |
Home town: | |||
Current & past employers: | Polk County School Board | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > Recent MBA grad with 8-month unemployment 4 years ago, and a battle with a serious illness drained my savings and credit was used during these times. Life is back on track with a great job and I want to be debt free within five years. This loan will be a great opportunity to help me meet my goal.<br>
A credit bureau reported the following information about this borrower member on June 19, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | 46 |
Revolving Credit Balance: | $13,232.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 76.00% | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage, insurance, taxes $1,104<br>car $405<br>electricity $215<br>cell phone $145<br>water,sewer $60<br>food $360<br>gas $200<br>student loans $245<br>credit $905 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage $140,000 at 5.2%<br>Student loans $24,000 at 6.5%<br>Credit Cards $14,000 various rates 18% - 29.99% |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage, insurance, taxes $1,104<br>car $405<br>electricity $215<br>cell phone $145<br>water,sewer $60<br>food $360<br>gas $200<br>student loans $245<br>credit $905 |
Which debts do you plan to pay off with this loan? | The loan will be used to pay off 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)? | Mortgage $140,000 at 5.2%<br>Student loans $24,000 at 6.5%<br>Credit Cards $14,000 various rates 18% - 29.99% |
Please explain the reason why you carry a large revolving credit balance. | Three events have led to the need to use revolving lines of credit. During the late '90s and early 2000s, I dealt with a serious medical condition. Furthermore, I was unemployed in 2006 and 2007, while my wife was earning her bachelors degree. Unfortunately, we burned through our savings and most of the revolving credit was charged during this time. Our goal is to have all of the revolving credit and student loans paid off in five years. |
Member Payment Dependent Notes Series 1363628
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1363628 |
$22,800 |
$22,800 |
8.90% |
1.00% |
July 23, 2012 |
July 18, 2015 |
July 18, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1363628. Member loan 1363628 was requested on July 4, 2012 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: | NYC Dept. of Sanitation | Debt-to-income ratio: | 14.55% |
Length of employment: | 9 years | Location: | Staten Island, NY |
Home town: | |||
Current & past employers: | NYC Dept. of Sanitation | ||
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 June 13, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,094.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 24.80% | 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 explain the reason why you carry a large revolving credit balance. | Very disappointed that this has happened, but got married, purchased a house and had my first child in the the last 4 years and things escalated. Now ready for a new beginning. |
What is your intended use for the loan proceeds? | To payoff all outstanding credit card balances in a timely matter. |
Member Payment Dependent Notes Series 1365314
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1365314 |
$2,750 |
$2,750 |
16.29% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1365314. Member loan 1365314 was requested on July 7, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,667 / month |
Current employer: | Jackson offshore | Debt-to-income ratio: | 21.81% |
Length of employment: | 2 years | Location: | mobile, AL |
Home town: | |||
Current & past employers: | Jackson offshore | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > i wanted to pay off a furniture note and do a little work on my patio<br>
A credit bureau reported the following information about this borrower member on June 15, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 43 | Months Since Last Delinquency: | 37 |
Revolving Credit Balance: | $12,346.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.40% | 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)? | 4600 amonth |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit-4000.unknown. house-196000-4.8% |
Please explain the reason why you carry a large revolving credit balance. | i started a new job with new company for a little less money and things started building up i am trying to pay down as quickly as posible |
Which debts do you plan to pay off with this loan? | furniture and i just recieved a raise i can pay off my debt |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit-4000.unknown. house-196000-4.8% |
Member Payment Dependent Notes Series 1366993
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1366993 |
$15,000 |
$15,000 |
6.03% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1366993. Member loan 1366993 was requested on July 7, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $5,000 / month |
Current employer: | RBMHC | Debt-to-income ratio: | 13.32% |
Length of employment: | 10+ years | Location: | SPOTSWOOD, NJ |
Home town: | |||
Current & past employers: | RBMHC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > Consolidate<br>
A credit bureau reported the following information about this borrower member on June 25, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1989 | 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: | $9,638.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 11.40% | 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)? | About 9000 in credit card debt with varying interest rates. 9 to 12%. Mortgage will be paid off in three years |
Which debts do you plan to pay off with this loan? | Credit card |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Credit card debt and fixing up home |
Please explain the reason why you carry a large revolving credit balance. | Recent large purchases for the home and summer camp expenses |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage1800. Utile: 225. Phone / Internet/ tv. 280. Food: 500 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | About 9000 in credit card debt with varying interest rates. 9 to 12%. Mortgage will be paid off in three years |
Member Payment Dependent Notes Series 1367521
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1367521 |
$16,000 |
$16,000 |
6.03% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1367521. Member loan 1367521 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,583 / month |
Current employer: | Saft America Inc | Debt-to-income ratio: | 11.13% |
Length of employment: | 1 year | Location: | Hudson, NC |
Home town: | |||
Current & past employers: | Saft America Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > I am adding a screened in poarch over my existing deck, adding additional decking and installing a pool.<br>
A credit bureau reported the following information about this borrower member on June 15, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,753.00 | 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 |
Please explain the reason why you carry a large revolving credit balance. | I pay for everything from Gas to Groceries with one of two major credit cards (AMX/MC). This is because I get 1.25% back from each. I then pay the ballance off each month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $1129.00<br>vehicle $434.00<br>utilities $250.00<br>cable/mobile phone $300.00<br>groceries: $850<br>IRA's $625 |
What is the home improvement project you are planning? | I am planning on having a gabel roof and screen in room over a deck attached to the house. Starirs to the ground and additional decking around a pool I am installing. |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | Balance: $200k<br>Interest 3.75 30 yr fixed<br>Monthly $1129.00 |
Please explain the reason why you carry a large revolving credit balance. | I pay for everything from Gas to Groceries with one of two major credit cards (AMX/MC). This is because I get 1.25% back from each. I then pay the ballance off each month. |
What is the home improvement project you are planning? | I am planning on having a gabel roof and screen in room over a deck attached to the house. Starirs to the ground and additional decking around a pool I am installing. |
Is this for a home improvement you have already made, or one that you are planning to make? | Planning to make, however I have purchased the pool and have had in installed. |
Is the improvement to your primary residence or an investment property? | This is my primary residence. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Mortgage $1,129.35<br><br>P&I: $956.80<br>Insurance: $47.17<br>Tax: $135.38 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Mortgage: $1,129.35 (includes P&I, Taxes and insurance)<br>Utilities (Electric/water) $300.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $1129.00<br>vehicle $434.00<br>utilities $250.00<br>cable/mobile phone $300.00<br>groceries: $850<br>IRA's $625 |
Member Payment Dependent Notes Series 1368088
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1368088 |
$15,350 |
$15,350 |
12.12% |
1.00% |
July 23, 2012 |
July 12, 2015 |
July 12, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1368088. Member loan 1368088 was requested on June 28, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $8,250 / month |
Current employer: | n/a | Debt-to-income ratio: | 1.45% |
Length of employment: | 2 years | Location: | Chicago, 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 06/28/12 > This loan is for renovations on a vacation home I recently purchased outright. I intend to repay it as soon as I am able to refinance after the appraisal on the new structure is complete.<br>
A credit bureau reported the following information about this borrower member on June 18, 2012:
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: | 14 | Months Since Last Delinquency: | 48 |
Revolving Credit Balance: | $2,539.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 14.00% | 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 monthly expenses are very limited. I pay $875 in rent, $150 in utilities, $100 for phone, $170 for health insurance, $60 in property and renters insurance, $500 in food and minor transportation expenses as I don't have a car and can't walk most places. |
What is the home improvement project you are planning? | I purchased this home (cash; outright) on property where my father grew up to have as a second home. The small 1200 sq ft house had been abandoned for 3+ years and was essentially unlivable and required a ground up renovation. I can finance 80% of it myself and this loan would be for the balance to be paid in full after construction is complete and I can refinance. The work includes: a new roof (raised to create a bonus space), electric, plumbing, siding, kitchen, baths, and flooring. |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | I do not actually have a mortgage as I paid cash for the property. I rent my primary residence at $875 a month. |
Member Payment Dependent Notes Series 1368320
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1368320 |
$6,250 |
$6,250 |
14.33% |
1.00% |
July 23, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1368320. Member loan 1368320 was requested on July 7, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $1,750 / month |
Current employer: | walmart | Debt-to-income ratio: | 20.40% |
Length of employment: | 4 years | Location: | Cape Coral, FL |
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 June 19, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2005 | 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: | $7,845.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 85.30% | 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)? | mis gastos mensuales son compartidos y suman un total de 900 mensuales |
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. | tengo dos tajetas de cridito visa por 0 interes por 12 meses el cual vencen diciembre las cual quiero pagar antes de ese termino pues el interes seria despues de 12 meses mayor de 20 porciento el pago minimo es de 25 por mes por cada una |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | el pago total seria unos 280 pero con el loan eliminaria todos los pagos y seria solo el pago del loan |
Member Payment Dependent Notes Series 1368484
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1368484 |
$16,000 |
$16,000 |
14.33% |
1.00% |
July 20, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1368484. Member loan 1368484 was requested on July 7, 2012 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: | Drywall Supply | Debt-to-income ratio: | 22.66% |
Length of employment: | 8 years | Location: | ELGIN, MN |
Home town: | |||
Current & past employers: | Drywall Supply | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > I am trying to consolidate various debt payments to free up funds monthly. With that, I can stay ahead of upcoming dental, repair, etc. expenses as they come. In three years, or less, I will be in a much better position financially.<br><br> Borrower added on 07/07/12 > I intend to consolidate several payments that will free up money each month to take care of repair, dental, and other expenses as they occur. In three years or less, I will be in a much better financial shape.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 10 |
Revolving Credit Balance: | $13,059.00 | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent-500, power/gas- 400, <br>phone(cell & land), internet |
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. | One main financial - 7400, 22%, 253/mo or 54 more months<br>Mastercard - 3300, 27.99%, 70/mo<br>Affiliated Credit - 3600, ?, 155/mo<br>CareCredit - 700, 18%, 30/mo - I pay 60/mo<br>Ally Auto finance, 1250, 2.9%, 315/mo |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Currently about 980/month, With this loan it will be about 720/month, with one credit card balance of 7700.<br>With the extra monthly money, I intend to stay ahead of the random bills (medical, car repair, etc) as they happen so that I don't have to play "catch up" when I get my annual tax refund. Ideally , by the end of this loan term, I can also pay off that balance and be debt free, or at least much better off than now. |
If you have a delinquency in the last 2 years, please explain the reason. | After a sizable pay reduction from my employer, it took awhile to get control of my monthly cashflow. Some payments come out automatically on a certain day of the month, which is a good thing. But when my paycheck dates are every two weeks, occasionally too many would come out before the next payroll date. |
Member Payment Dependent Notes Series 1369046
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1369046 |
$16,450 |
$16,450 |
18.49% |
1.00% |
July 19, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1369046. Member loan 1369046 was requested on July 6, 2012 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: | Capital District Transportation Authorit | Debt-to-income ratio: | 17.80% |
Length of employment: | 3 years | Location: | ALBANY, NY |
Home town: | |||
Current & past employers: | Capital District Transportation Authorit | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > TO CONSOLIDATE MY BILLS FOR CREDIT CARD A LOWER INTREST RATE. iF i CAN CONSOLIDATE IT WILL SAVE ME MONEY.tHANK yOU.<br>
A credit bureau reported the following information about this borrower member on June 17, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 6 | Months Since Last Delinquency: | 34 |
Revolving Credit Balance: | $7,493.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 78.90% | 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)? | please let me know if You recived My answers. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | auto loan monthly payment 275.26 balance $6658.92 interest 6.75% personal loan $143.52 balance $3280.86 interest 11.75% Discover card balance $7463.84 I pay between $200.00 to $300.00 a month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | auto loan monthly payment 275.26 balance $6658.92 interest 6.75% personal loan $143.52 balance $3280.86 interest 11.75% Discover card balance $7463.84 I pay between $200.00 to $300.00 a month |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | please let me know if You recived My answers. |
Please explain the reason why you carry a large revolving credit balance. | the majority of the balance on the Discover card are for truck repairs, tires, attorney fees for my divorce and some vacation bills. when the promotion period is over the interest on the discover card with increase to 22%. My plan for the loan is to pay off the discover and other loans so I 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)? | auto loan monthly payment 275.26 balance $6658.92 interest 6.75% personal loan $143.52 balance $3280.86 interest 11.75% Discover card balance $7463.84 I pay between $200.00 to $300.00 a month |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | please let me know if You recived My answers. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | rent $500.00 a month this includes utilities as well as internet and cable. Verzion, cell phone $105.70 a month. truck insurance $58.48 and approx $100.00 in gas a month. food $200.00 a month which includes groceries and eating out (diners) |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | auto loan monthly payment 275.26 balance $6658.92 interest 6.75% personal loan $143.52 balance $3280.86 interest 11.75% Discover card balance $7463.84 I pay between $200.00 to $300.00 a month |
Which debts do you plan to pay off with this loan? | Discover, a balance to the attorney, personal loan and would like to include truck loan if possible. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | balances, highest interest first. looking to 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)? | auto loan monthly payment 275.26 balance $6658.92 interest 6.75% personal loan $143.52 balance $3280.86 interest 11.75% Discover card balance $7463.84 I pay between $200.00 to $300.00 a month |
Member Payment Dependent Notes Series 1369433
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1369433 |
$9,000 |
$9,000 |
11.14% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1369433. Member loan 1369433 was requested on July 9, 2012 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: | LawCash | Debt-to-income ratio: | 12.19% |
Length of employment: | 6 years | Location: | STATEN ISLAND, NY |
Home town: | |||
Current & past employers: | LawCash | ||
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, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1993 | 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: | $23,258.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 50.20% | 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? | Debt consolidation |
Member Payment Dependent Notes Series 1369779
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1369779 |
$20,000 |
$20,000 |
12.12% |
1.00% |
July 19, 2012 |
July 22, 2017 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1369779. Member loan 1369779 was requested on July 8, 2012 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: | Pacific Vascular, Inc. | Debt-to-income ratio: | 10.37% |
Length of employment: | 10+ years | Location: | Lynnwood, WA |
Home town: | |||
Current & past employers: | Pacific Vascular, Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > I wish to consolidate my higher interest credit card debt into a single loan with a lower interest rate. This would allow me to pay off the obligation in shorter period of time and would also give me the opportunity to have a little extra every month to put into my 401k plan.<br><br><br><br> Borrower added on 07/08/12 > <br> Borrower added on 07/09/12 > I am an excellent candidate for this loan because I have an excellent credit history without any late payments. I always pay my bills on time and pay substantially more than the minimum on the revolving credit cards. I have been employed with a very stable and profitable company for over 21 years.<br>
A credit bureau reported the following information about this borrower member on June 16, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | 27 |
Revolving Credit Balance: | $23,107.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.00% | 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)? | One credit card with 14,000.00 balance, interest is 14%. Payment is 500.00 per month.<br>Another crediit card with 5000.00 balance, interest is 13.68%. Payment is 200.00 per month. |
Which debts do you plan to pay off with this loan? | One credit card with a balance of 14,000.00 at a 14% interest and another credit card with a balance of 5000.00 at a 13.68% interest. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Per month: $1450.00 mortgage, $400.00 for property taxes and homeowner's insurance, $200.00 auto insurance, $700.00 for all utilities including cable, internet, and cell phone, about $300.00 for food. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Per month: $1400.00 for mortgage; $450.00 for property taxes & homeowner's insurance; $200.00 for auto insurance; $700.00 for utilities including cable/internet & cell phone bill; then about $800.00 for credit payments (2 to 3 three times more than minimum due) |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | One credit card with 14,000.00 balance, interest is 14%. Payment is 500.00 per month.<br>Another crediit card with 5000.00 balance, interest is 13.68%. Payment is 200.00 per month. |
Which debts do you plan to pay off with this loan? | One credit card with a balance of 14,000.00 at a 14% interest and another credit card with a balance of 5000.00 at a 13.68% interest. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I would be paying off my credit card debt. I have two with the higher balances and rolling into one loan payment per month. |
Please explain the reason why you carry a large revolving credit balance. | I cannot answer this question without getting personal about my situation. Basically due to a death in family, I had to downsize and purchase a smaller home. I had to put money into fixing up my old house for the sale and wasn't able to sell it for as much as I wanted. My new mortgage is smaller than my last one but I had to charge the fixing up cost and had to put any proceeds from the sale into my new down payment. |
If you have a delinquency in the last 2 years, please explain the reason. | I have not had any delinquencies in the last two years. |
Member Payment Dependent Notes Series 1371257
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1371257 |
$5,475 |
$5,475 |
14.33% |
1.00% |
July 20, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1371257. Member loan 1371257 was requested on July 2, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,333 / month |
Current employer: | Home Care Assistance | Debt-to-income ratio: | 20.31% |
Length of employment: | < 1 year | Location: | HARRISVILLE, NH |
Home town: | |||
Current & past employers: | Home Care Assistance | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > I want to consolidate my smaller cc so I have less payments each month.<br>
A credit bureau reported the following information about this borrower member on June 25, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 72 |
Revolving Credit Balance: | $13,388.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.60% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses are low as I moved back with my mother to help her and also so that she could stay in her house. Rent is $200, food about $250, phone $50, car gas $75. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I am sure you already have access to this info so here is an overview. I have two cards that are 0%, these will be paid off by the due date. USAA $3700, Home Depot $3800, Sears $774, Amazon $840. |
Please explain the reason why you carry a large revolving credit balance. | I have been building a garden over the last few years and it has been rather expensive with clearing the land, putting in a fruit orchard, becoming a beekeeper with 7 hives, establishing many fruit bushes and building raised beds. Last summer I built a kitchen in my garden as I do a lot of canning and preserving. I offer classes in my kitchen on cheese making, herbs, canning, etc. My big projects are now done, my garden is gorgeous! |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Rent $200/mo which includes utilities, I live with my mother. I moved in with her as she is older and needs help keeping up the house and yard. So no mortgage, taxes, etc. Car gas is about $75, food $250, car insurance $47. |
Please explain the reason why you carry a large revolving credit balance. | I have been building a garden over the last few years and it has been rather expensive with clearing the land, putting in a fruit orchard, becoming a beekeeper with 7 hives, establishing many fruit bushes and building raised beds. Last summer I built a kitchen in my garden as I do a lot of canning and preserving. I offer classes in my kitchen on cheese making, herbs, canning, etc. My big projects are now done, my garden is gorgeous! |
Member Payment Dependent Notes Series 1371472
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1371472 |
$5,375 |
$5,375 |
7.90% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1371472. Member loan 1371472 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $1,625 / month |
Current employer: | BJ's wholesale club | Debt-to-income ratio: | 24.77% |
Length of employment: | 5 years | Location: | NEWARK, NY |
Home town: | |||
Current & past employers: | BJ's wholesale club | ||
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 June 24, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2004 | 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: | $7,277.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 12.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1376937
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1376937 |
$14,000 |
$14,000 |
15.31% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1376937. Member loan 1376937 was requested on July 11, 2012 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: | Long Beach Unified School District | Debt-to-income ratio: | 20.35% |
Length of employment: | 10+ years | Location: | LONG BEACH, CA |
Home town: | |||
Current & past employers: | Long Beach 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 July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 43 | Months Since Last Delinquency: | 34 |
Revolving Credit Balance: | $14,038.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.70% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | my wife got laid off for a year so in order to survive i had to use my credit card for food , clothes , and bills<br>but now she is back working |
Please explain the reason why you carry a large revolving credit balance. | i carry a large revoling credit beccause for a year my wife got laid and in ordeer to survive i had to use my credit card for food, clothing, and bills, etc.<br>but now she is back to work |
Which debts do you plan to pay off with this loan? | i plan to pay all my credit carqds off |
Which debts do you plan to pay off with this loan? | i plan to pay all my credit carqds off |
Member Payment Dependent Notes Series 1377124
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1377124 |
$7,200 |
$7,200 |
12.12% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1377124. Member loan 1377124 was requested on July 10, 2012 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: | United Way | Debt-to-income ratio: | 12.22% |
Length of employment: | 10+ years | Location: | SARASOTA, FL |
Home town: | |||
Current & past employers: | United Way | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > My credit score is increasing and I am attempting to pay off high interest rate credit cards to boost good credit to excellent. Paid one off completely. Want to consolidate now. Other than my car my debt is under 10,000<br>or close.<br><br> Borrower added on 07/11/12 > I am a ggod borrower because I am dependable. 12 years same job. 11 years in VA and now FL where I have made a permanent move. My bills are always paid on or before due. I am growing my credit rating steadily. Other than my car I am only about 10,000 in debt. Want to be debt free.Car is half paid<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2001 | 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: | $9,207.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1377826
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1377826 |
$3,000 |
$3,000 |
14.33% |
1.00% |
July 20, 2012 |
July 28, 2015 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1377826. Member loan 1377826 was requested on July 14, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $2,292 / month |
Current employer: | Hillsborough County Sheriff's Office | Debt-to-income ratio: | 10.95% |
Length of employment: | < 1 year | Location: | GIBSONTON, FL |
Home town: | |||
Current & past employers: | Hillsborough County Sheriff's Office | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/15/12 > My father recently passed away. I inherited a property with a manufactured home. The home is unlivable due to rotting floors in the kitchen and bathrooms. I need to somehow make it minimally livable by the end of the month.This loan would help me drastically and paying it back will be easily done.<br>
A credit bureau reported the following information about this borrower member on June 22, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,602.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1378641
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1378641 |
$9,750 |
$9,750 |
13.11% |
1.00% |
July 24, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1378641. Member loan 1378641 was requested on July 12, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,500 / month |
Current employer: | Morton Hospital | Debt-to-income ratio: | 12.02% |
Length of employment: | 4 years | Location: | Dighton, MA |
Home town: | |||
Current & past employers: | Morton Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > My father left me a house in Brazil when he passed which has late taxes on it, I want the money to pay that off to be able to sell it.<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,086.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expense is with babysitter, about 500.00, my spouse takes care of the rest. |
What is your intended use for the loan proceeds? | My father left me a house in Brazil when he passed, that house has late taxes on it, I want to pay all dues to sell it, this money will go toward thoses taxes. |
Please explain the reason why you carry a large revolving credit balance. | If you mean the reason I am asking for the loan is because my father left me a house in Brazil when he passed and this house has late taxes on it, I want this money to pay off thoses taxes to be able to sell it. |
What is your intended use for the loan proceeds? | My father left me a house in Brazil when he passed, that house has late taxes on it, I want to pay all dues to sell it, this money will go toward thoses taxes. |
Please provide additional details regarding the purpose of the loan. | My father left me a house in Brazil when he passed, this house has late taxes on it, I want the money to pay it off to sell it. |
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 expense is with babysitter, about 500.00, my spouse takes care of the rest. |
Member Payment Dependent Notes Series 1380379
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1380379 |
$2,700 |
$2,700 |
12.12% |
1.00% |
July 19, 2012 |
July 5, 2015 |
July 5, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1380379. Member loan 1380379 was requested on June 21, 2012 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: | n/a | Debt-to-income ratio: | 5.90% |
Length of employment: | n/a | Location: | Semole, 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 06/21/12 > I want to consolidate my debts.<br>
A credit bureau reported the following information about this borrower member on June 21, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | 55 |
Revolving Credit Balance: | $7,560.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 38.70% | 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). | No mortgage.<br>.. |
Which debts do you plan to pay off with this loan? | Chase Credid Card |
Member Payment Dependent Notes Series 1380403
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1380403 |
$5,500 |
$5,500 |
19.05% |
1.00% |
July 18, 2012 |
July 11, 2015 |
July 11, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1380403. Member loan 1380403 was requested on June 27, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $7,500 / month |
Current employer: | Abra | Debt-to-income ratio: | 2.33% |
Length of employment: | 7 years | Location: | Gainesville, GA |
Home town: | |||
Current & past employers: | Abra | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/29/12 > New roof<br>
A credit bureau reported the following information about this borrower member on June 27, 2012:
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): | 1 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | 18 |
Revolving Credit Balance: | $2,530.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.10% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Our house is paid for so we have not house payment. My truck and motorcycle are paid for. my phone is about $100.00 a month. Power bill is $150.00. Food usually is around $400.00 for the family. And gas would be around another $250-300.00 |
What is the home improvement project you are planning? | New roof |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | Home is paid for |
If you have a delinquency in the last 2 years, please explain the reason. | None |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Our house is paid for so we have not house payment. My truck and motorcycle are paid for. my phone is about $100.00 a month. Power bill is $150.00. Food usually is around $400.00 for the family. And gas would be around another $250-300.00 |
Member Payment Dependent Notes Series 1380904
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1380904 |
$20,000 |
$20,000 |
13.11% |
1.00% |
July 23, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1380904. Member loan 1380904 was requested on July 6, 2012 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: | killroy pest control | Debt-to-income ratio: | 15.74% |
Length of employment: | 6 years | Location: | los gatos, CA |
Home town: | |||
Current & past employers: | killroy pest control | ||
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 June 21, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2007 | 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: | $7,556.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 49.70% | 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)? | Rent $925. Transportation $471. Utilities $30-50. Insurance $120( renters and car).Food $50-100.<br>Loan $275, 30% apr. Balance $7000(+-). Visa $2000, apr 19.99%. minimum $50-$60. Master card $4.500,apr 0%. min. $70.<br><br>Remainder of loan requested is for dental work and car repairs. Aprox. $6000 |
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. | Personal loan $7.000.Apr 30%. $275 monthly. Visa $2.000 $2.500 Apr. 20%. monthly $150.00(+-)<br>Mastercard $4.500. Apr.20%-25%.monthly $125-$150. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | minimun monthly payments aprox. $500-$600.This loan is for complete payoff of my credit cards and the remainder for dental work and car repair. |
Member Payment Dependent Notes Series 1381945
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1381945 |
$33,425 |
$33,425 |
23.63% |
1.00% |
July 20, 2012 |
July 6, 2017 |
July 6, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1381945. Member loan 1381945 was requested on June 22, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,600 / month |
Current employer: | UNITED STATES NAVY | Debt-to-income ratio: | 33.04% |
Length of employment: | 10+ years | Location: | SAN DIEGO, CA |
Home town: | |||
Current & past employers: | UNITED STATES NAVY | ||
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 June 22, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1996 | 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: | $26,575.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | House Rent - $1,900. Insurance - $77. Food - $200. Phone - $19.00. Electric/Internet - $200. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | NFCU Loan 1 - $33,469.41 / 12.25% / $903.06<br>NFCU Loan 2 - $14,354.65 / 16.75% / $363.10<br>NFCU Mastercard - $5,755.80 / 11.9% / $113<br>NFCU Visa card - $13,464.13 / 12.9% / $280<br>NEX Military Star Card - $8,204.97 / 10.24% / $228<br>NEX Take it home card - $7,883.30 / 10.24% / $195 |
Please explain the reason why you carry a large revolving credit balance. | I just had a divorce and I wanted to start a new life. I purchased furnitures and other personal necessities that I needed. |
Please explain the reason why you carry a large revolving credit balance. | I just had a divorce and I wanted to start a new life. I purchased furnitures and other personal necessities that I needed. |
Which debts do you plan to pay off with this loan? | NFCU mastercard and Visa cards and NEX star card. |
Which debts do you plan to pay off with this loan? | NFCU mastercard and Visa cards and NEX star card. |
Which debts do you plan to pay off with this loan? | NFCU mastercard and Visa cards and NEX star card. |
Member Payment Dependent Notes Series 1381952
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1381952 |
$17,000 |
$17,000 |
15.31% |
1.00% |
July 24, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1381952. Member loan 1381952 was requested on July 9, 2012 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: | GHS | Debt-to-income ratio: | 11.54% |
Length of employment: | 5 years | Location: | Easley, SC |
Home town: | |||
Current & past employers: | GHS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > I wish to consolidate debt. I will lower my payments per month by paying one bill instead of 5 or 6 seperate payments.<br>
A credit bureau reported the following information about this borrower member on June 22, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2001 | 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: | $10,397.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 83.20% | 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 credit card debt |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | House-$865<br>Car payment-$350<br>Car insurance-$110<br>Phone-$150<br>Food-$400<br>Power/water/trash/gas-$350<br>Auto gas-$300<br>TV-$180<br>Home Insurance-$45<br>School loan-$150<br>IRS-$100<br>Medical-$50<br>Credit Cards-ranges from $450-$650 |
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 about $865 per month for my mortgage. Insurance and taxes are escrowed into that balance. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mastercard $3400 at 19.99% I pay $100<br>Home Depot $6300 at 26.99% I pay $200<br>Capital One $1750 at 17.90% I pay $75<br>Lowes $1100 at 24.99% I pay $50<br>IRS $3550 at 5% I pay $100<br>Visa $400 at 10.99% I pay $100<br>School loans $9500 I pay $150<br>I rounded to the nearest whole number for simplicity. |
Which debts do you plan to pay off with this loan? | All my credit card debt and possibly some to the IRS. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I plan to use it to consolidate debt. I will be paying each one completely off. |
Please explain the reason why you carry a large revolving credit balance. | I got into debt with credit cards after we took several financial hits during the time when unemployment hit its highest and the market went down. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mastercard $3400 at 19.99% I pay $100<br>Home Depot $6300 at 26.99% I pay $200<br>Capital One $1750 at 17.90% I pay $75<br>Lowes $1100 at 24.99% I pay $50<br>IRS $3550 at 5% I pay $100<br>Visa $400 at 10.99% I pay $100<br>School loans $9500 I pay $150<br>I rounded to the nearest whole number for simplicity. |
What is your intended use for the loan proceeds? | To consolidate credit card debt |
Please explain the reason why you carry a large revolving credit balance. | I got into debt with credit cards after we took several financial hits during the time when unemployment hit its highest and the market went down. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mastercard $3400 at 19.99% I pay $100<br>Home Depot $6300 at 26.99% I pay $200<br>Capital One $1750 at 17.90% I pay $75<br>Lowes $1100 at 24.99% I pay $50<br>IRS $3550 at 5% I pay $100<br>Visa $400 at 10.99% I pay $100<br>School loans $9500 I pay $150<br>I rounded to the nearest whole number for simplicity. |
Which debts do you plan to pay off with this loan? | All my credit card debt and possibly some to the IRS. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I plan to use it to consolidate debt. I will be paying each one completely off. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mastercard $3400 at 19.99% I pay $100<br>Home Depot $6300 at 26.99% I pay $200<br>Capital One $1750 at 17.90% I pay $75<br>Lowes $1100 at 24.99% I pay $50<br>IRS $3550 at 5% I pay $100<br>Visa $400 at 10.99% I pay $100<br>School loans $9500 I pay $150<br>I rounded to the nearest whole number for simplicity. |
Please explain the reason why you carry a large revolving credit balance. | I got into debt with credit cards after we took several financial hits during the time when unemployment hit its highest and the market went down. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mastercard $3400 at 19.99% I pay $100<br>Home Depot $6300 at 26.99% I pay $200<br>Capital One $1750 at 17.90% I pay $75<br>Lowes $1100 at 24.99% I pay $50<br>IRS $3550 at 5% I pay $100<br>Visa $400 at 10.99% I pay $100<br>School loans $9500 I pay $150<br>I rounded to the nearest whole number for simplicity. |
Which debts do you plan to pay off with this loan? | All my credit card debt and possibly some to the IRS. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mastercard $3400 at 19.99% I pay $100<br>Home Depot $6300 at 26.99% I pay $200<br>Capital One $1750 at 17.90% I pay $75<br>Lowes $1100 at 24.99% I pay $50<br>IRS $3550 at 5% I pay $100<br>Visa $400 at 10.99% I pay $100<br>School loans $9500 I pay $150<br>I rounded to the nearest whole number for simplicity. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I plan to use it to consolidate debt. I will be paying each one completely off. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | My mortgage is $870.00 per month. My taxes and insurance is escrowed in with that amount. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mastercard $3400 at 19.99% I pay $100<br>Home Depot $6300 at 26.99% I pay $200<br>Capital One $1750 at 17.90% I pay $75<br>Lowes $1100 at 24.99% I pay $50<br>IRS $3550 at 5% I pay $100<br>Visa $400 at 10.99% I pay $100<br>School loans $9500 I pay $150<br>I rounded to the nearest whole number for simplicity. |
Member Payment Dependent Notes Series 1382738
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1382738 |
$11,500 |
$11,500 |
11.14% |
1.00% |
July 23, 2012 |
July 18, 2015 |
July 18, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1382738. Member loan 1382738 was requested on July 4, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,417 / month |
Current employer: | Regional School Programs | Debt-to-income ratio: | 20.76% |
Length of employment: | 2 years | Location: | Florence, KY |
Home town: | |||
Current & past employers: | Regional School Programs | ||
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 2, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 19 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 55 | Months Since Last Delinquency: | 8 |
Revolving Credit Balance: | $15,393.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 33.20% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $920 including insurance<br>Utilities $200<br>Phone $100<br>Food $200 |
What is your intended use for the loan proceeds? | My wife and I are purchasing a vehicle. |
If you have a delinquency in the last 2 years, please explain the reason. | We missed one of my wife's car payments when we were in the middle of moving. |
Please explain the reason why you carry a large revolving credit balance. | College loans. |
Please provide additional details regarding the purpose of the loan. | My wife and I would like to purchase an RV or off road vehicle. |
What is your intended use for the loan proceeds? | My wife and I are purchasing a vehicle. |
Member Payment Dependent Notes Series 1384769
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1384769 |
$2,000 |
$2,000 |
6.03% |
1.00% |
July 23, 2012 |
July 8, 2015 |
July 8, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1384769. Member loan 1384769 was requested on June 24, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,308 / month |
Current employer: | goodyear | Debt-to-income ratio: | 20.76% |
Length of employment: | 10+ years | Location: | salemburg, NC |
Home town: | |||
Current & past employers: | goodyear | ||
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 June 24, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1997 | 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: | $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 |
Member Payment Dependent Notes Series 1384906
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1384906 |
$15,475 |
$15,475 |
12.12% |
1.00% |
July 18, 2012 |
July 12, 2017 |
July 12, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1384906. Member loan 1384906 was requested on June 28, 2012 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: | Full Sail University | Debt-to-income ratio: | 23.59% |
Length of employment: | 9 years | Location: | ORLANDO, FL |
Home town: | |||
Current & past employers: | Full Sail University | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/30/12 > Hello and thank you for considering my loan. When buying my first home, I incurred many expenses. I have been paying on this debt for over two years but not able to make a dent due to the high interest rates. This loan will lower my interest and allow the debt to be cleared once and for all.<br>
A credit bureau reported the following information about this borrower member on June 24, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1992 | 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: | $18,066.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.30% | 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)? | Good evening and thanks for the question. Currently I have 15,100 in credit card debt with interest rates ranging from 18%-25%. My monthly expenses include $1380 mortgage and $541 car payment. |
Which debts do you plan to pay off with this loan? | Good evening and thanks for inquiring. I plan to pay off credit card debt incurred with buying my first home. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Good evening and thanks for the question. My mortgage is $1382 which includes the insurance and taxes. Utilities (electric, water, phone, internet) runs approx. $200 per month. I do not have a home equity loan or line of credit against the home. |
Which debts do you plan to pay off with this loan? | Good evening and thanks for inquiring. I plan to pay off credit card debt incurred with buying my first home. |
Member Payment Dependent Notes Series 1385798
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1385798 |
$7,000 |
$7,000 |
11.14% |
1.00% |
July 20, 2012 |
July 9, 2015 |
July 9, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1385798. Member loan 1385798 was requested on June 25, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $2,400 / month |
Current employer: | Helper's Inc | Debt-to-income ratio: | 8.88% |
Length of employment: | 2 years | Location: | Winfield, KS |
Home town: | |||
Current & past employers: | Helper's Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/25/12 > I need a loan to help with medical/dental expenses as the small company I work for offers no benefits which means I need to pay expenses upfront.<br>
A credit bureau reported the following information about this borrower member on June 25, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | 21 |
Revolving Credit Balance: | $1,138.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 10.10% | 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)? | Thank you for your question. My current expenses are:<br>rent: none<br>utilities 63 (I pay 1/3 or the household expenses for utilities)<br>gas 100<br>food 266<br>misc. (clothes, household needs, etertainment, etc.)<br>226<br>insurance 61<br>phone 54<br>car payment 294 |
Member Payment Dependent Notes Series 1386403
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1386403 |
$27,575 |
$27,575 |
8.90% |
1.00% |
July 24, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1386403. Member loan 1386403 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,750 / month |
Current employer: | Portescap | Debt-to-income ratio: | 1.57% |
Length of employment: | 1 year | Location: | Enola, PA |
Home town: | |||
Current & past employers: | Portescap | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > This loan will be used for a wedding and also as cash required to acquire a small business. The business is already running but we need the extra liquidity to stock the inventory. The loan will be paid using the profits from the income of the store and my personal job.<br><br> Borrower added on 07/09/12 > This loan will be used for a wedding and also as working capital needing for a business. The business is a very profitable liquor store and needs extra cash for inventory.<br>
A credit bureau reported the following information about this borrower member on June 25, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | 9 |
Revolving Credit Balance: | $1,797.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 5.90% | 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)? | Rent: $750<br>Transportation: $100 (gas)<br>Utilities/Cable: $100<br>Phone: $50<br>Insurance: $75<br>Food: $400<br><br>Total Monthly Expenses: $1500 (approximately) |
What portion of your wedding expenses does this loan represent? | Wedding: $10,000<br>Business working capital: $17,575 |
If you have a delinquency in the last 2 years, please explain the reason. | I have had no delinquencies in the past two years. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Rent: $750/month<br>No home loan or equity line of credit<br>Utilities, Cable, Cell - $200/month<br>No car payments<br>Car Insurance: $75/month<br>Groceries/Misc: $400/month |
What is your intended use for the loan proceeds? | $10,000 - Wedding Expenses<br>$17,500 - Inventory expenses for new business acquisition (Liquor store) |
If you have a delinquency in the last 2 years, please explain the reason. | I have had no delinquencies in the past two years. |
Member Payment Dependent Notes Series 1386566
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1386566 |
$18,000 |
$18,000 |
13.11% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1386566. Member loan 1386566 was requested on July 9, 2012 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: | Magna Seating | Debt-to-income ratio: | 7.68% |
Length of employment: | 8 years | Location: | Rochester, MI |
Home town: | |||
Current & past employers: | Magna Seating | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > This loan is to consolidate a variety of smaller, higher-interest debts and simplify financial life. The payments are well within my disposable income and ensures I am free of these debts in 3yrs or less. Great payment history on all debts in the past.<br><br> Borrower added on 07/17/12 > To answer several older questions about current debts and expenses: 7 revolving accts: balances $150-$3500; interest rates 16%-27%; min payments ~$300/mo but pay $600+/mo. Student loans ~$750/mo. Mortgage, taxes, insur & util: $1800/mo. Cars $100/mo, owned.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | 54 |
Revolving Credit Balance: | $7,152.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 73.70% | 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? | This loan will pay off credit cards, Home Depot credit, and medical-related credit (GE CareCredit) and bills. All except mortgage and student loans. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Account balances range from $150-$3500. Interest rates range from 16%-27%. Minimum payments on revolving ~$300/mo but regularly pay $600+/mo. Student loan payments total ~$750/mo. Average home-related expenses incl. mortgage, taxes, insurance & utilities total $1800/mo. Autos $100/mo insur. & fully owned. |
Please explain the reason why you carry a large revolving credit balance. | For several years, expenses equaled bring home $. Additional medical expenses were incurred during this time. Currently, medical expenses have significantly reduced to just maintenance and income exceeds expenses. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Please see other response, should post shortly. |
What is your intended use for the loan proceeds? | Please see loan description. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Account balances range from $150-$3500. Interest rates range from 16%-27%. Minimum payments on revolving ~$300/mo but regularly pay $600+/mo. Student loan payments total ~$750/mo. Average home-related expenses incl. mortgage, taxes, insurance & utilities total $1800/mo. Autos $100/mo insur. & fully owned. |
Which debts do you plan to pay off with this loan? | This loan will pay off credit cards, Home Depot credit, and medical-related credit (GE CareCredit) and bills. All except mortgage and student loans. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Account balances range from $150-$3500. Interest rates range from 16%-27%. Minimum payments on revolving ~$300/mo but regularly pay $600+/mo. Student loan payments total ~$750/mo. Average home-related expenses incl. mortgage, taxes, insurance & utilities total $1800/mo. Autos $100/mo insur. & fully owned. |
Which debts do you plan to pay off with this loan? | This loan will pay off credit cards, Home Depot credit, and medical-related credit (GE CareCredit) and bills. All except mortgage and student loans. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | An answer to a similar question is pending. Please check back later. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Account balances range from $150-$3500. Interest rates range from 16%-27%. Minimum payments on revolving ~$300/mo but regularly pay $600+/mo. Student loan payments total ~$750/mo. Average home-related expenses incl. mortgage, taxes, insurance & utilities total $1800/mo. Autos $100/mo insur. & fully owned. |
Member Payment Dependent Notes Series 1386895
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1386895 |
$5,000 |
$5,000 |
11.14% |
1.00% |
July 20, 2012 |
July 10, 2015 |
July 10, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1386895. Member loan 1386895 was requested on June 26, 2012 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: | Village Inn | Debt-to-income ratio: | 29.08% |
Length of employment: | 10+ years | Location: | Rock Island, IL |
Home town: | |||
Current & past employers: | Village Inn | ||
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 June 26, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | 41 |
Revolving Credit Balance: | $21,476.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 58.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car Payment 712.00, Insurance 110.00 Utilities 278.00 Phone 190.00, TV 60.00 Food 250.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards Balance: 1094 Interest Rate 24.99% Payment 33.00; Balance: 4675 Interest rate 14.99% Payment 106.00; Balance: 447. Interest Rate:22.0% Payment 25.00; Balance:3402 Interest Rate: 17.24% Payment: 85.00; Balance:882.00 Interest Rate: 27.24% Payment 27.00; Balance: 2698 Interest Rate: 29.99% Payment: 93.00; Balance: 1339. Interest Rate:28.24% Payment: 40.00. |
Please explain the reason why you carry a large revolving credit balance. | Used Credit Cards for Vacation I was using them to pay for things and then spend my check making all the payments a cycle that were trying to consolidate to a cheaper payments and interest rate. |
Member Payment Dependent Notes Series 1387312
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1387312 |
$10,000 |
$10,000 |
13.11% |
1.00% |
July 19, 2012 |
July 9, 2015 |
July 9, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1387312. Member loan 1387312 was requested on June 25, 2012 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: | Amersom Presicion Sheet Metal | Debt-to-income ratio: | 26.72% |
Length of employment: | 7 years | Location: | McMinniville, OR |
Home town: | |||
Current & past employers: | Amersom Presicion Sheet Metal | ||
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 June 25, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2004 | 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: | $16,462.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 49.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1387353
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1387353 |
$14,300 |
$14,300 |
15.31% |
1.00% |
July 20, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1387353. Member loan 1387353 was requested on July 2, 2012 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: | center for human development | Debt-to-income ratio: | 32.41% |
Length of employment: | 9 years | Location: | MANCHESTER, CT |
Home town: | |||
Current & past employers: | center for human development | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > Consolidate Credit Cards (All of them always paid on time)<br>
A credit bureau reported the following information about this borrower member on June 26, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,256.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 81.90% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | about 700 |
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. | If I pay just the minium about 510. The last several months I have been paying off more because I paid off my suv(215 a mo.) in Feb... Between the suv and c.c. it was about 725. With this loan the minium would be about 590 |
Member Payment Dependent Notes Series 1387443
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1387443 |
$15,750 |
$15,750 |
17.77% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1387443. Member loan 1387443 was requested on July 10, 2012 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: | Castlight Health | Debt-to-income ratio: | 8.91% |
Length of employment: | < 1 year | Location: | San Mateo, CA |
Home town: | |||
Current & past employers: | Castlight Health | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I'm planning to pay off my American Express. My loan inquiry is to establish a minimum monthly payment. American Express doesn't necessarily have a minimum payment, which means it fluctuates month to month. It's always a surprise which makes it difficult to budget the rest of my month.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2005 | 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: | $11,478.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.50% | 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. | I am planning to pay off my American Express. It has a balance of 16000. The reason for my loan inquiry is to establish a minimum monthly payment. American Express doesn't necessarily have a minimum payment, which means it fluctuates month to month based on what they establish needs to be paid automatic vs pay over time. It's always a surprise which makes it difficult to budget the rest of my month when the lump sums continue to vary. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I am planning to pay off my American Express. It has a balance of 16000. The reason for my loan inquiry is to establish a minimum monthly payment. American Express doesn't necessarily have a minimum payment, which means it fluctuates month to month based on what they establish needs to be paid automatic vs pay over time. It's always a surprise which makes it difficult to budget the rest of my month financially with varying lump sums due. |
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. | I am planning to pay off my American Express. It has a balance of 16000. The reason for my loan inquiry is to establish a minimum monthly payment. American Express doesn't necessarily have a minimum payment, which means it fluctuates month to month based on what they establish needs to be paid automatic vs pay over time. It's always a surprise which makes it difficult to budget the rest of my month when the lump sums continue to vary. |
Member Payment Dependent Notes Series 1387448
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1387448 |
$7,800 |
$7,800 |
7.90% |
1.00% |
July 19, 2012 |
July 9, 2015 |
July 9, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1387448. Member loan 1387448 was requested on June 25, 2012 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: | Finance | Debt-to-income ratio: | 18.41% |
Length of employment: | < 1 year | Location: | San Francisco, CA |
Home town: | |||
Current & past employers: | Finance | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/29/12 > This loan is to consolidate and simply various CC debt and Student loans. The idea of having all of my bills, from different webistes and with different due dates all automatically come out of my checking account, with one transaction, seems like a beautiful thing.<br>
A credit bureau reported the following information about this borrower member on June 25, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,410.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 18.30% | 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 - 800. Food - 400. Student Loans - 400. Misc everything ese - 400. |
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 - 1500. Visa - 1500. Amex - 2500. The Rest - Security deposit for my new apartment. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Total minimum equals less than 175. |
Please explain the reason why you carry a large revolving credit balance. | Resigned from my previous job in November, so from November - February I traveled around the country using a combination of savings and credit cards before starting my next job in investment management. |
Member Payment Dependent Notes Series 1387777
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1387777 |
$8,000 |
$8,000 |
13.11% |
1.00% |
July 19, 2012 |
July 10, 2015 |
July 10, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1387777. Member loan 1387777 was requested on June 26, 2012 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: | the bon ton | Debt-to-income ratio: | 23.55% |
Length of employment: | 2 years | Location: | MILWAUKEE, WI |
Home town: | |||
Current & past employers: | the bon ton | ||
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 June 26, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | 41 |
Revolving Credit Balance: | $16,839.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 66.30% | 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. | Expenses from attending a 4 year private college, I lost a grant for private school that caused my expenses to signifcantly increase. |
Member Payment Dependent Notes Series 1387811
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1387811 |
$25,375 |
$25,375 |
18.75% |
1.00% |
July 18, 2012 |
July 26, 2017 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1387811. Member loan 1387811 was requested on July 12, 2012 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: | Layne Christensen Co | Debt-to-income ratio: | 26.59% |
Length of employment: | 10+ years | Location: | BENNETT, CO |
Home town: | |||
Current & past employers: | Layne Christensen Co | ||
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 June 27, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $27,448.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 57.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | approx $160 in transporation, about $ 170 in utilites, about $500 in phone, food |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | mortgage is $1100 at 5.5% |
What is your intended use for the loan proceeds? | pay off credit card balances, car loan |
Which debts do you plan to pay off with this loan? | credit cards and car loan |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | credit cards approx 90% of it and car loan |
Member Payment Dependent Notes Series 1387983
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1387983 |
$12,000 |
$12,000 |
18.75% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1387983. Member loan 1387983 was requested on July 9, 2012 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: | n/a | Debt-to-income ratio: | 21.58% |
Length of employment: | 4 years | Location: | MUSTANG, OK |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Paying off credit cards to get to 1 payment also like that will all be paid off in 36 pymts or sooner.<br>
A credit bureau reported the following information about this borrower member on June 25, 2012:
Credit Score Range: | 660-678 | 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: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,476.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 91.20% | 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)? | Total debt from credit cards and signiture loans. $11,150<br>Total monthly debt payments $400<br>Interest rates from 20 -22% |
Please explain the reason why you carry a large revolving credit balance. | A combination of legal fees, and auto repairs caused excessive debt. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent(untilities included) $600<br>Phone/internet - $100<br>Insurance - $135<br>Auto - $275<br>Food - $400<br>Fuel - $200 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total debt from credit cards and signiture loans. $11,150<br>Total monthly debt payments $400<br>Interest rates from 20 -22% |
What is your intended use for the loan proceeds? | Consolidating credit cards and a signiture loan into 1 pymt. Will be closing credit card accounts. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total debt from credit cards and signiture loans. $11,150<br>Total monthly debt payments $400<br>Interest rates from 20 -22% |
Member Payment Dependent Notes Series 1388056
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1388056 |
$12,000 |
$12,000 |
14.09% |
1.00% |
July 20, 2012 |
July 10, 2015 |
July 10, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1388056. Member loan 1388056 was requested on June 26, 2012 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: | Horizon Air | Debt-to-income ratio: | 10.08% |
Length of employment: | 8 years | Location: | Great Falls, MT |
Home town: | |||
Current & past employers: | Horizon Air | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > I am looking to get this loan to payoff my credit card debt and be left with one monthly payment. This loan will save me quite a bit of money on interest. Thanks for helping make this a reality.<br>
A credit bureau reported the following information about this borrower member on June 26, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2004 | 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: | $8,892.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1388341
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1388341 |
$18,000 |
$18,000 |
20.49% |
1.00% |
July 18, 2012 |
July 26, 2017 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1388341. Member loan 1388341 was requested on July 12, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,750 / month |
Current employer: | JPMorgan Chase | Debt-to-income ratio: | 14.14% |
Length of employment: | 5 years | Location: | RICHARDSON, TX |
Home town: | |||
Current & past employers: | JPMorgan Chase | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > My loan will be used for debt consolidation by paying off credit cards with high interest rates.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 55 |
Revolving Credit Balance: | $35,585.00 | 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 are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit card 1, bal 12,000, rate 29%, pmt 500<br>credit card 2, bal 5300, rate 29%, pmt 400<br>credit card 3, bal 5500, rate 17%, pmt 250<br>credit card 4, bal 7300, rate 17%, pmt 300<br>credit card 5, bal 5300, rate 18%, pmt 250 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 3500 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 3500 |
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, bal 12,000, rate 29%, pmt 500<br>credit card 2, bal 5300, rate 29%, pmt 400<br>credit card 3, bal 5500, rate 17%, pmt 250<br>credit card 4, bal 7300, rate 17%, pmt 300<br>credit card 5, bal 5300, rate 18%, pmt 250 |
Please explain the reason why you carry a large revolving credit balance. | Due to past temporary set-back/emergencies such as unemployment, medical emergency and auto/home repair emergencies. |
Member Payment Dependent Notes Series 1388450
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1388450 |
$6,000 |
$6,000 |
14.33% |
1.00% |
July 19, 2012 |
July 10, 2015 |
July 10, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1388450. Member loan 1388450 was requested on June 26, 2012 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: | Howard cho | Debt-to-income ratio: | 25.33% |
Length of employment: | 5 years | Location: | PLANO, TX |
Home town: | |||
Current & past employers: | Howard cho | ||
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 June 26, 2012:
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: | 9 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,181.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 90.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1388587
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1388587 |
$2,875 |
$2,875 |
15.31% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1388587. Member loan 1388587 was requested on July 9, 2012 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: | Fiserv Inc | Debt-to-income ratio: | 3.02% |
Length of employment: | 10+ years | Location: | Tangent, OR |
Home town: | |||
Current & past employers: | Fiserv 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 June 26, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 66 |
Revolving Credit Balance: | $1,896.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 11.70% | Months Since Last Record: | 69 |
Inquiries in the Last 6 Months: | 3 |
Member Payment Dependent Notes Series 1388793
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1388793 |
$35,000 |
$35,000 |
12.12% |
1.00% |
July 23, 2012 |
July 10, 2017 |
July 10, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1388793. Member loan 1388793 was requested on June 26, 2012 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: | B. F. Saul Company | Debt-to-income ratio: | 15.61% |
Length of employment: | 10+ years | Location: | Rockville, MD |
Home town: | |||
Current & past employers: | B. F. Saul Company | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/26/12 > money will be used to purchase existing business<br>
A credit bureau reported the following information about this borrower member on June 26, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 51 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $24,778.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.40% | 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)? | BUSINESS: rent $5000, utilities $350, phone $250, insurance $1500 |
What will be the largest expense in the first six months? | Inventory approx. $20,000 per month |
Please explain the reason why you carry a large revolving credit balance. | inventory purchased for current yard |
Member Payment Dependent Notes Series 1388835
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1388835 |
$24,925 |
$24,925 |
7.90% |
1.00% |
July 23, 2012 |
July 10, 2015 |
July 10, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1388835. Member loan 1388835 was requested on June 26, 2012 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: | n/a | Debt-to-income ratio: | 8.33% |
Length of employment: | < 1 year | Location: | DeBeque, CO |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/27/12 > I am looking to get a loan to purchase a Redi Mix Truck, Its steady work with great pay, but without at least 2 years operating as a business it's almost impossible to get a conventional loan.<br>
A credit bureau reported the following information about this borrower member on June 26, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,001.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 25.80% | 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)? | Lending club will not allow me to post income information of any kind in this section, sorry I couldn't be of more help. |
What will be the largest expense in the first six months? | Fuel is without a doubt the greatest expence, I cant go into specifics without violating lending club information policies, but hopefully this helps! |
Can you provide some high level financials on the monthly costs / revenue of your business? | Lending club will not allow me to post income information of any kind in this section, sorry I couldn't be of more help. |
Member Payment Dependent Notes Series 1388923
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1388923 |
$7,200 |
$7,200 |
12.12% |
1.00% |
July 19, 2012 |
July 10, 2015 |
July 10, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1388923. Member loan 1388923 was requested on June 26, 2012 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: | CPI | Debt-to-income ratio: | 28.77% |
Length of employment: | < 1 year | Location: | FOUNTAIN HILLS, AZ |
Home town: | |||
Current & past employers: | CPI | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/27/12 > This loan will be to pay off high interest/high balance credit cards. <br><br>Last year I was laid off for seven months and we had to use our credit cards a bit too much. Now that I have some descent employment I want to get these cards paid off quickly.<br>
A credit bureau reported the following information about this borrower member on June 26, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,202.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $650.00<br>Car $425.00<br>Utilities $150.00<br>Cable/Satellite $125<br>Cell phones $150.00<br>Insurance $170.00<br>Food $300.00<br>Gas $200.00 |
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. | American Express $1500.00 21% <br>Capital One $4000.00 22%<br>Capital One $2533.00 24%<br>GE Capital $630.00 25% |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | 320 |
Please explain the reason why you carry a large revolving credit balance. | I was unemployed for seven months and unfortunately had to use my credit cards. Now that I am working I want to get them paid off. |
Member Payment Dependent Notes Series 1389005
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1389005 |
$10,000 |
$10,000 |
14.33% |
1.00% |
July 20, 2012 |
July 10, 2015 |
July 10, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1389005. Member loan 1389005 was requested on June 26, 2012 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: | Hippocrates health ins. | Debt-to-income ratio: | 23.79% |
Length of employment: | 2 years | Location: | West palm beach, FL |
Home town: | |||
Current & past employers: | Hippocrates health ins. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/29/12 > this loan the i ask is for pay my credit cards.<br><br> Borrower added on 07/03/12 > I'm apply for this loan to pay the small balances in some the my small amounts the my credit cards in pay some treatment the medical test. <br>Appreciate the you company help me.<br>Sears $ 1100<br>Kohls $ 300 <br>Bank of america $1100<br>Care credit $1300<br>capital one$1800<br>Chase $ 2000<br>In medical test.<br><br> Borrower added on 07/03/12 > I'm apply for this loan to pay the small balances in some the my small amounts the my credit cards in pay some treatment the medical test. <br>Appreciate the you company help me.<br>Sears $ 1100<br>Kohls $ 300 <br>Bank of america $1100<br>Care credit $1300<br>capital one$1800<br>Chase $ 2000<br>
A credit bureau reported the following information about this borrower member on June 26, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 19 |
Revolving Credit Balance: | $8,513.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 54.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | MORGATE $238.0<br>FPL $100<br>Insurance$216.0<br>Groceries $250.00<br>Car loans $200<br>Verizon 140.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards $10000 |
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. | Because last year have to help mi parents |
Member Payment Dependent Notes Series 1389267
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1389267 |
$7,000 |
$7,000 |
11.14% |
1.00% |
July 20, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1389267. Member loan 1389267 was requested on July 2, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,208 / month |
Current employer: | TCU | Debt-to-income ratio: | 27.81% |
Length of employment: | 4 years | Location: | ARLINGTON, TX |
Home town: | |||
Current & past employers: | TCU | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/03/12 > Get us out of CC Debt<br>
A credit bureau reported the following information about this borrower member on June 26, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 55 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $24,143.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.40% | 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)? | We have many credit cards. Some we have already negotiated at a lower rate than available at Lending Club. Those with a higher rate than offered by Lending Club, we would like to consolidate at lower rates and pay off within 3-5 years. Those creditors total close to $23,500. |
Member Payment Dependent Notes Series 1389606
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1389606 |
$20,000 |
$20,000 |
10.16% |
1.00% |
July 18, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1389606. Member loan 1389606 was requested on July 2, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,083 / month |
Current employer: | Rhode Island School of Design | Debt-to-income ratio: | 23.59% |
Length of employment: | < 1 year | Location: | PROVIDENCE, RI |
Home town: | |||
Current & past employers: | Rhode Island School of Design | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > To pay off my credit card debt in order to be 100% debt free.<br>
A credit bureau reported the following information about this borrower member on June 29, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $20,325.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.80% | 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)? | About $2500 |
Member Payment Dependent Notes Series 1390448
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1390448 |
$10,100 |
$10,100 |
14.09% |
1.00% |
July 19, 2012 |
July 10, 2015 |
July 10, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1390448. Member loan 1390448 was requested on June 26, 2012 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: | N.W. Cascade Inc. | Debt-to-income ratio: | 16.08% |
Length of employment: | 4 years | Location: | PUYALLUP, WA |
Home town: | |||
Current & past employers: | N.W. Cascade Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/26/12 > My intention of my loan is to kill the credit card debt I have built over the last few years. I have had multiple vehicle and personal loans which have all been paid in full with the exception of my current vehicle loans. I am just hoping to make this a simple 3 year loan a kill my credit card debt.<br>
A credit bureau reported the following information about this borrower member on June 26, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2004 | 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: | $9,211.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 80.10% | 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)? | I would say my total monthly expenses are about 2500 dollars before the credit cards in which I pay out around 400 to 500 a month on. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have three credit cards with a 2000 dollar balance on two and 3500 balance on the third all with interest rates of 25% or more. I also have two secured loans that have better rates that total 470 dollars per month that have a total balance of 13,500. I pay out about 400 dollars per month on the credit cards. My goal is to consolidate and cancel the credit cards and hopefully never have one again. |
Member Payment Dependent Notes Series 1391005
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1391005 |
$17,250 |
$17,250 |
20.49% |
1.00% |
July 19, 2012 |
July 19, 2017 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1391005. Member loan 1391005 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,008 / month |
Current employer: | The Heat Express, Inc | Debt-to-income ratio: | 27.34% |
Length of employment: | 7 years | Location: | HOMESTEAD, FL |
Home town: | |||
Current & past employers: | The Heat Express, Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > This loan is to consolidate some credit bills I have into 1 payment. A new addition to our family is going to arrive in October, and we want to be prepared before the new baby comes. This will take some stress of our shoulders, by only having to make one monthly payments versus several.<br>
A credit bureau reported the following information about this borrower member on June 27, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2003 | 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: | $20,433.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.20% | 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)? | $900 between mortgage and cell phone expense |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Medical credit card - balance $5345.38, interest rate 26.99% & 14.90&, monthly. Payment $181<br>Credit card-balance $5138.17, interest rate 21.24%, monthly payment $136.<br>Credit card- balance $4739.68, interest rate 22.24%, monthly payment $136.<br>Credit card - balance $1835.66, interest rate 17.99%, monthly payment $50. |
Please explain the reason why you carry a large revolving credit balance. | Needed it for home repairs and medical expenses |
Member Payment Dependent Notes Series 1391079
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1391079 |
$6,800 |
$6,800 |
15.80% |
1.00% |
July 18, 2012 |
July 11, 2015 |
July 11, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1391079. Member loan 1391079 was requested on June 27, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,667 / month |
Current employer: | Planet Raw | Debt-to-income ratio: | 10.71% |
Length of employment: | 2 years | Location: | LOS ANGELES, CA |
Home town: | |||
Current & past employers: | Planet Raw | ||
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 June 27, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 28 |
Revolving Credit Balance: | $11,493.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1391317
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1391317 |
$18,000 |
$18,000 |
13.11% |
1.00% |
July 23, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1391317. Member loan 1391317 was requested on July 9, 2012 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: | Twentymile Coal | Debt-to-income ratio: | 30.86% |
Length of employment: | 7 years | Location: | CRAIG, CO |
Home town: | |||
Current & past employers: | Twentymile Coal | ||
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, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 22 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 59 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,251.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 54.30% | 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? | We plan on paying off our macys,dillards, hsbc and flex perk credit cards. We have cancelled all our other credit cards as of 07/09/2012 |
Please explain the reason why you carry a large revolving credit balance. | As of 07/09/2012 we dont carry so much large credit balances. We closed the account on many of our credit cards and plan to close the rest once we pay them off with the loan we are trying to receive |
Which debts do you plan to pay off with this loan? | We plan to pay off our flex perks credit card, our macy, dillards and hsbc credit cards. With the remaining money left over we plan to put down on our vehicle to lower the 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 credit cards and to put some down on one of our vehicles to help lower that payment. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent-$1360. Cars-$1100, utilities,$200, cell phone-$75 car insurance,$134, groceries-$400 |
Please explain the reason why you carry a large revolving credit balance. | As of 07/09/2012 we dont carry so much large credit balances. We closed the account on many of our credit cards and plan to close the rest once we pay them off with the loan we are trying to receive |
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 credit cards and to put some down on one of our vehicles to help lower that payment. |
Member Payment Dependent Notes Series 1391329
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1391329 |
$14,000 |
$14,000 |
14.09% |
1.00% |
July 19, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1391329. Member loan 1391329 was requested on July 2, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,417 / month |
Current employer: | DAF Police | Debt-to-income ratio: | 19.23% |
Length of employment: | 7 years | Location: | CRESTVIEW, FL |
Home town: | |||
Current & past employers: | DAF Police | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > This loan will be used to consolidate my debt & to have financial freedom once this loan is finished. I currently pay $1100 a month in debt although my minimum payments would only equal $850. This loan would allow me to close a few non-revolving debts, cutting my monthly debt payments in half.<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | 50 |
Revolving Credit Balance: | $6,626.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.20% | 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)? | Mortgage: $1207.77, Electric: $150.00, Car Note: $353.00, Insureance: $140.00, Phone Bill $205.00, Monthly Food Cost: $400.00, Monthly Gas Cost: $320.00. Total Monthly Expenses, $2775.77 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Star Card: $6368.77, Int. Rate: %10.24,Min. Payment: $246.00 I pay $400.00, GE Money: $2884.26, Int. rate: %25.99, Min. Payment: $241.05 I pay $300, JC Penny: $3688.37, Int. Rate %26.99, Min. Payment: $248.00 I pay $300.00, Sears Card: $933.78, Int. rate: %20.40, Min. Payment: 46.53 I pay $100, Care Credit Card: $708.13, Int. Rate %24.99 Min. Payment: $41 I pay $100. Total Debt: 14,583.31 Total Monthly Payments:$1200. With this loan I can close all accts & cut my debt payment in half. Thank you |
Member Payment Dependent Notes Series 1391364
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1391364 |
$30,000 |
$30,000 |
7.90% |
1.00% |
July 20, 2012 |
July 13, 2015 |
July 13, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1391364. Member loan 1391364 was requested on June 29, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $24,667 / month |
Current employer: | Guardian Investor Services | Debt-to-income ratio: | 4.97% |
Length of employment: | 3 years | Location: | BLOOMINGDALE, NJ |
Home town: | |||
Current & past employers: | Guardian Investor Services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/29/12 > I ran up my credit cards renovating my kitchen and two bathrooms. These jobs cost more than I anticipated. Now I'd like to consolidate those two credit cards into one, easy monthly payment.<br>
A credit bureau reported the following information about this borrower member on June 27, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $34,641.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 37.30% | 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)? | 3000 mortgage, 500 car, 200 utilities, 140 phone, 150 insurance, 250 food |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 369k mortgage, 21k car, outside of that I have no debt |
Please explain the reason why you carry a large revolving credit balance. | I renovated my kitchen and bathrooms and the cost was more than expected. I just want to consolidate to make the payment easier and more efficient. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 3000 mortgage, 500 car, 200 utilities, 140 phone, 150 insurance, 250 food |
Member Payment Dependent Notes Series 1391450
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1391450 |
$18,000 |
$18,000 |
22.47% |
1.00% |
July 23, 2012 |
July 19, 2017 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1391450. Member loan 1391450 was requested on July 5, 2012 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: | pcs1 | Debt-to-income ratio: | 32.19% |
Length of employment: | 10+ years | Location: | TUJUNGA, CA |
Home town: | |||
Current & past employers: | pcs1 | ||
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 5, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | 28 |
Revolving Credit Balance: | $16,623.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.50% | 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)? | Mortgage payment is 1100, car is 300, utilities approx 125 a month, phone less than 50, insurance 170 and groceries nor more than 150 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 current debt rounded off to $8400, at an average apr of 10.99%, monthly minimum payments total $320. Lines of credit current debt rounded off to $9000, at an average apr of 25.99%, monthly minimum payments total $260. Please note that is just the required minimum payment, not the final amount I pay, I typically double my minimum payment amount. By consolidating both, I will be paying less, even when paying more than my required loan payment than the two above amounts combined. |
Please explain the reason why you carry a large revolving credit balance. | Financial hardship, a temporary 30 month paycut from my employer back in Feb 2009, played a large part, was not living outside of my means, but as the market showed signs of issues, so did the APR on revolving accounts. |
Member Payment Dependent Notes Series 1391726
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1391726 |
$20,000 |
$20,000 |
19.05% |
1.00% |
July 19, 2012 |
July 21, 2017 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1391726. Member loan 1391726 was requested on July 7, 2012 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: | G & J Pepsi-Cola Bottling Group | Debt-to-income ratio: | 12.92% |
Length of employment: | 9 years | Location: | Worthington, OH |
Home town: | |||
Current & past employers: | G & J Pepsi-Cola Bottling Group | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > Debt consoldiation. Current total balances on credit cards is $15,000 with a 28% interest rate. Student loan payments are $309 a month.<br><br> Borrower added on 07/08/12 > Mortgage is $1140.00 a month. Utilities are $200.00 a month.<br>
A credit bureau reported the following information about this borrower member on June 27, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 67 |
Revolving Credit Balance: | $13,020.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.00% | 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? | Pay off credit card balances and use some for student lIan's. |
Which debts do you plan to pay off with this loan? | All credit card amounts. |
Member Payment Dependent Notes Series 1392009
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1392009 |
$12,000 |
$12,000 |
12.12% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1392009. Member loan 1392009 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $4,583 / month |
Current employer: | Intermountain Health Care | Debt-to-income ratio: | 21.36% |
Length of employment: | 10+ years | Location: | SALT LAKE CITY, UT |
Home town: | |||
Current & past employers: | Intermountain Health Care | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > My loan is to pay off 2 high intrest credit cards I hope hope once my credit card consolidation loan is paid off , I will have a higher credit score to go along with it.<br>
A credit bureau reported the following information about this borrower member on June 27, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 8 |
Revolving Credit Balance: | $19,194.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 52.10% | 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)? | Car Payment: $498.94, Mobile phone: $91.77, Car Insurance: 67.55, Cable: $140.34, Medical and Dental: $60.00, Food: $200.00. I do not pay rent. |
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 Credit Card: LOC $9,000, Balance 7,230.00 APR %18.24. Chase CC: LOC $6,000 Balance: $5098.61 APR %18.24. Chase CC: LOC $2,500 Balance: $1609.7 4 APR %11.99 HSBC: LOC $3000, Balance: $1396.19 APR %19.99. |
Member Payment Dependent Notes Series 1392326
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1392326 |
$14,000 |
$14,000 |
8.90% |
1.00% |
July 19, 2012 |
July 12, 2015 |
July 12, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1392326. Member loan 1392326 was requested on June 28, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,583 / month |
Current employer: | n/a | Debt-to-income ratio: | 29.43% |
Length of employment: | 7 years | Location: | RENO, NV |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/29/12 > I've always taken my credit cards very seriously and have never been late with any credit obligation, ever. After finding out about LendingClub, it seemed like a great way to pay them off at an even lower interest rate. Once the cards are paid off I intend to return as an investor. Thanks.<br>
A credit bureau reported the following information about this borrower member on June 27, 2012:
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: | $28,173.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.00% | 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)? | My monthly expenses are $2200. |
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 $13488, 15%, min payment $264 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My total minimum monthly payments for all credit cards is $635. After the payoff my total payments will be $816. |
Please explain the reason why you carry a large revolving credit balance. | Most of my large revolving balances are related to start-up costs for my business. I really hate carrying balances but I viewed it as a necessary evil. I value my credit and have never been late with a payment, ever. Business is great and I've just reached a point where I want to be really aggressive about paying down my debt. Getting a better rate through LC will help me pay these balances down even faster. |
Member Payment Dependent Notes Series 1392390
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1392390 |
$18,000 |
$18,000 |
18.75% |
1.00% |
July 19, 2012 |
July 24, 2017 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1392390. Member loan 1392390 was requested on July 10, 2012 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: | Sempra Energy | Debt-to-income ratio: | 13.46% |
Length of employment: | 1 year | Location: | san Dieg, CA |
Home town: | |||
Current & past employers: | Sempra 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 June 27, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2004 | 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: | $12,715.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 71.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage - $1504<br><br>Utilities - $44 on average<br><br>Cable - $68<br><br>Gym - $45<br><br>Gas - $0...I live in an urban setting and walk to work |
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: $8,970...7%<br><br>Chase: $2,300...19%<br><br>GE: $1,900...0% until January 2013 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Visa - $170.00<br><br>Chase - $120.00<br><br>GE - $86.00 |
Please explain the reason why you carry a large revolving credit balance. | Right out of college, I moved to San Francisco, CA for work and was forced to live above my means as a recent college graduate due to the high cost of living. However, I wanted to save as much cash as possible in order to purchase property. I did so and purchased a condo in downtown San Diego. When it came time decide on whether to pay off the credit cards or purchase my first property, I decided to use the money as equity in my home. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am using the funds for one purpose and that is to escape credit card debt. This is how I plan to break it out using rounded numbers:<br><br>Loan: $18,000<br>Total Debt: $13,000<br>Payment: (13,000)<br>Remaining Funds: $5,000<br><br>The Remaining funds will be used to pay off the loan (nothing else). It will accrue interest at 2.4% based on my relationship with ING. My background is in finance and I ran the numbers and this is the cheapest way out based on interest rates and other variables. |
What is your intended use for the loan proceeds? | I will be paying off all of my credit card debt the minute I receive the funds. It will be a feeling of great relief as there will be a light at the end of the tunnel that is much cheaper than the alternative. I have run the numbers (I work in finance for a fortune 500) and this route is the best way to achieve my goal of getting out of credit card debt. |
Member Payment Dependent Notes Series 1392401
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1392401 |
$6,000 |
$6,000 |
14.33% |
1.00% |
July 19, 2012 |
July 11, 2015 |
July 11, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1392401. Member loan 1392401 was requested on June 27, 2012 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: | BYN Flowback Services | Debt-to-income ratio: | 14.17% |
Length of employment: | 3 years | Location: | perryton, TX |
Home town: | |||
Current & past employers: | BYN Flowback Services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/29/12 > My loan is for all the hosptial bills ,credit cards, and all other bills I have. Have 1 payment instead of having 3-4 different payments to send. This would be a lot easier to manage.<br>
A credit bureau reported the following information about this borrower member on June 27, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 3 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 10 |
Revolving Credit Balance: | $3,327.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 44.30% | 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)? | My monthly expenses are, 300 on rent, 200 on utilites, 90 on my cell phone, 150 on student loans, and about 200 every two weeks on grocerices. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have 1000 dollars of Care Credit, 1200 dollars on chase, and 3100, on american express, and interest rates are about 20%. 150 dollars a month on student loans. |
If you have a delinquency in the last 2 years, please explain the reason. | I had some delinquency on student loans, because i payed all the credit cards first due to the high interest. I am back on schedule and up to date on everything. I just want one payment instead of having 3-4 different payments. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have 1000 dollars of Care Credit, 1200 dollars on chase, and 3100, on american express, and interest rates are about 20%. 150 dollars a month on student loans. |
Member Payment Dependent Notes Series 1393592
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1393592 |
$11,700 |
$11,700 |
18.49% |
1.00% |
July 18, 2012 |
July 15, 2015 |
July 15, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1393592. Member loan 1393592 was requested on July 1, 2012 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: | Walmart Distribution | Debt-to-income ratio: | 34.46% |
Length of employment: | 9 years | Location: | crewe, VA |
Home town: | |||
Current & past employers: | Walmart Distribution | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > Trying to pay bills off<br><br> Borrower added on 07/05/12 > Pay off debts<br><br> Borrower added on 07/05/12 > Consolidate my bills into one payment<br>
A credit bureau reported the following information about this borrower member on June 28, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 40 |
Revolving Credit Balance: | $1,708.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 47.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | No rent but pay 300 including phone insurance is 183, food bout 150 |
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 14000 and that includes personal loans, credit cards and lines of credit |
Which debts do you plan to pay off with this loan? | credit cards and personal loans and credit lines that i owe so i wont have any bills but this one. |
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 14000 and that includes personal loans, credit cards and lines of credit |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | credit cards , personal loans, and credit lines that i owe so i only have this one to pay |
Member Payment Dependent Notes Series 1393693
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1393693 |
$18,000 |
$18,000 |
18.75% |
1.00% |
July 19, 2012 |
July 12, 2017 |
July 12, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1393693. Member loan 1393693 was requested on June 28, 2012 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: | Schlumberger | Debt-to-income ratio: | 18.79% |
Length of employment: | 10+ years | Location: | Youngsville, LA |
Home town: | |||
Current & past employers: | Schlumberger | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/28/12 > This loan will be used to purchase gaming equipment for my business. As of now we have a 3rd party vender that is providing the gaming equipment where we split the profit 50/50. This loan will allow me to purchase the equipment I need to replace our venders equipment and recieve 100% of the profits.<br><br> Borrower added on 06/28/12 > This loan will be used to purchase gaming equipment for my business. Currently I am splitting the profits with a 3rd party vendor. We have been in business since 2004.<br><br> Borrower added on 06/28/12 > This loan will be used to purchase gaming equipment for my business of 8 years. I have been using a 3rd party vendor and now wish to collect 100% of the income from my own machines. I also have a full time job of 10 years and own 50% of the business I mentioned above.<br>
A credit bureau reported the following information about this borrower member on June 28, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2002 | 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: | $21,326.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1393766
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1393766 |
$20,725 |
$20,725 |
15.80% |
1.00% |
July 23, 2012 |
July 12, 2017 |
July 12, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1393766. Member loan 1393766 was requested on June 28, 2012 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: | Carrols corp | Debt-to-income ratio: | 14.91% |
Length of employment: | 10+ years | Location: | Queensbury, NY |
Home town: | |||
Current & past employers: | Carrols corp | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/28/12 > Consolidation of higher rate credit cards. To eliminate all credit card debt in 5 years instead of 10-15 it would take by paying minimum payments on credit cards.<br>
A credit bureau reported the following information about this borrower member on June 28, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | 60 |
Revolving Credit Balance: | $19,626.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 38.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1393841
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1393841 |
$25,375 |
$25,375 |
13.11% |
1.00% |
July 18, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1393841. Member loan 1393841 was requested on July 7, 2012 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: | Northern Haserot | Debt-to-income ratio: | 16.36% |
Length of employment: | < 1 year | Location: | AKRON, OH |
Home town: | |||
Current & past employers: | Northern Haserot | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > I will be using the loan to eliminate all my credit card debt and to make one monthly payment with a lower interest rate.<br>
A credit bureau reported the following information about this borrower member on June 28, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1997 | 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: | $25,007.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.90% | 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)? | average monthly expenses are $800-$1000 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The system will not allow me to enter this information |
Please explain the reason why you carry a large revolving credit balance. | I have a high revolving balance because I was paying for grad school and not working very much and then was laid off while I was going to school so my credit cards kept me current. |
Member Payment Dependent Notes Series 1394010
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1394010 |
$16,000 |
$16,000 |
13.11% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1394010. Member loan 1394010 was requested on July 10, 2012 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: | City of New York | Debt-to-income ratio: | 5.35% |
Length of employment: | 8 years | Location: | LOCUST VALLEY, NY |
Home town: | |||
Current & past employers: | City of New York | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > This loan is for Debt Consolidation. I would like to pay off my Debt and have 1 monthly payment at a lower interest rate.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1978 | 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: | $15,774.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 56.30% | 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. | I recently got married in October of 2011 and needed to put some expenses on credit cards. Also about $7,000 of the revolving Credit balance is from a Jet Ski I had purchased. If my loan is approved i will be paying off all my revovling credit. |
Which debts do you plan to pay off with this loan? | I will be paying off 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)? | Credit Card#1 Debt Balance is about $300 with a line of credit of $1,150. Credit Card #2 has a balance of about $690 with a line of credit of $1,500. Credit Card 3 has a balance of about $3,675 with a line of credit of $3,800. Credit Card#4 has a balance of about $3,700 with a line of credit of $8,600. I also own a jet ski that has a balance of $7,000. That line of credit is $15,000. I am not certain on the interest rates. My minimum Monthly payments are about $450-$500. But i always pay more. |
Which debts do you plan to pay off with this loan? | I will be paying off all of them. |
Member Payment Dependent Notes Series 1394327
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1394327 |
$11,500 |
$11,500 |
14.09% |
1.00% |
July 24, 2012 |
July 12, 2015 |
July 12, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1394327. Member loan 1394327 was requested on June 28, 2012 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: | LOUIS MACCHIARULO,ESQ | Debt-to-income ratio: | 31.82% |
Length of employment: | 10+ years | Location: | RICHMOND HILL, NY |
Home town: | |||
Current & past employers: | LOUIS MACCHIARULO,ESQ | ||
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 June 28, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 46 |
Revolving Credit Balance: | $20,366.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 56.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1394422
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1394422 |
$15,575 |
$15,575 |
7.90% |
1.00% |
July 19, 2012 |
July 12, 2015 |
July 12, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1394422. Member loan 1394422 was requested on June 28, 2012 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: | Carlson Restaurants | Debt-to-income ratio: | 29.98% |
Length of employment: | 10+ years | Location: | CARROLLTON, TX |
Home town: | |||
Current & past employers: | Carlson Restaurants | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/28/12 > I worry every day that I will not get out from under my debt. This will be a great start! I can't wait to not have any credit cards and start saving more for my retirement.<br>
A credit bureau reported the following information about this borrower member on June 28, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1985 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $26,373.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 52.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1394695
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1394695 |
$5,500 |
$5,500 |
12.12% |
1.00% |
July 24, 2012 |
July 12, 2015 |
July 12, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1394695. Member loan 1394695 was requested on June 28, 2012 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: | Osceola county corrections | Debt-to-income ratio: | 17.05% |
Length of employment: | 6 years | Location: | Ocoee, FL |
Home town: | |||
Current & past employers: | Osceola county corrections | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/28/12 > I would like to pay off my walmart discover 1007.00/Citi bank dividend 1847.00/capital one 1783.00 visa/ofcu 1114.00 visa..<br>
A credit bureau reported the following information about this borrower member on June 28, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2002 | 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: | $8,144.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My mortage, cable and lights are 700.00 and my car is 500.00 my insurance is 102.00 |
Please explain the reason why you carry a large revolving credit balance. | I attempted to do a few balance transfers, but when they went through they were not enough to cover the full balance of my cards, so I didn't close them. Eventually I just ended using them again. That is why it is so important I get the full amount, then I can close these cards and have them paid off in three years. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My mortage, cable and lights are 700.00 and my car is 500.00 my insurance is 102.00 |
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 5500.00 in credit card debt. Capital one 1782.00/Citi bank 1847.00/Orlando federal visa 1114.00/discover 1007.00. My mortage,car and household bills do not exceed 1200.00 |
Please explain the reason why you carry a large revolving credit balance. | I attempted to do a few balance transfers, but when they went through they were not enough to cover the full balance of my cards, so I didn't close them. Eventually I just ended using them again. That is why it is so important I get the full amount, then I can close these cards and have them paid off in three years. |
Member Payment Dependent Notes Series 1394776
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1394776 |
$10,500 |
$10,500 |
12.12% |
1.00% |
July 23, 2012 |
July 12, 2015 |
July 12, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1394776. Member loan 1394776 was requested on June 28, 2012 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: | GOLDEN GAMING | Debt-to-income ratio: | 17.72% |
Length of employment: | 6 years | Location: | LAS VEGAS, NV |
Home town: | |||
Current & past employers: | GOLDEN GAMING | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/28/12 > Tell your story. What is your loan for?<br><br> Borrower added on 06/28/12 > I NEES THE LOAN TO PAY OFF HIGH INTEREST CREDIT CARDS.<br>
A credit bureau reported the following information about this borrower member on June 28, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 43 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $21,440.00 | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $900.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | DISCOVER CREDIT CARD. $8,000.00. CHASE CREDIT CARD, $1,400.00 |
Please explain the reason why you carry a large revolving credit balance. | FAMILY GROWTH. |
Please explain the reason why you carry a large revolving credit balance. | FAMILY GROWTH. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | DEBT CONSOLIDATION, I WANT TO KEEP ONLY ONE MONTHLY PAYMENT. |
Which debts do you plan to pay off with this loan? | BOTH DEBTS THAT I HAVE WRITTEN BEFORE. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | DISCOVER CREDIT CARD. $8,000.00. CHASE CREDIT CARD, $1,400.00 |
Member Payment Dependent Notes Series 1394994
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1394994 |
$2,000 |
$2,000 |
7.62% |
1.00% |
July 20, 2012 |
July 12, 2015 |
July 12, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1394994. Member loan 1394994 was requested on June 28, 2012 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: | Varian Medical Systems, Inc. | Debt-to-income ratio: | 14.51% |
Length of employment: | 2 years | Location: | PALO ALTO, CA |
Home town: | |||
Current & past employers: | Varian Medical Systems, Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/28/12 > Vacation Loan<br>
A credit bureau reported the following information about this borrower member on June 28, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 40 | Months Since Last Delinquency: | 35 |
Revolving Credit Balance: | $5,271.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 25.00% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1900 |
Please provide general details of the cost of your vacation. | I'm going to a wedding /vacation in Washington State with my kids. I'll be traveling by car for about 2 weeks. I have managed to save $1000, but I calculate that I will need about $3000, for hotels, gas, and food, thus the need to borrow $2000. |
Member Payment Dependent Notes Series 1395625
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1395625 |
$7,200 |
$7,200 |
6.62% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1395625. Member loan 1395625 was requested on July 9, 2012 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: | Comcast Cable | Debt-to-income ratio: | 4.47% |
Length of employment: | 5 years | Location: | Herndon, VA |
Home town: | |||
Current & past employers: | Comcast Cable | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Need some extra cash.<br>
A credit bureau reported the following information about this borrower member on June 29, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 9 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,168.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 5.70% | 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? | I will be using this load to purchase real estate property |
What are you buying? | Real estate (plot) for investment purpose. |
What is your intended use for the loan proceeds? | I will be using this load to purchase real estate property |
What is your intended use for the loan proceeds? | I will be using this load to purchase real estate property |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Total expenses between 2500 and 2700 (rent 1500, utilities 200, food 300, car loan 350, other expenses 200-300) |
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 between 2500-2700 (rent 1500, utilties 200, car loan 350, food and expenses 500-600), insurance paid by company |
What is your intended use for the loan proceeds? | I will be using this load to purchase real estate property |
Member Payment Dependent Notes Series 1396232
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1396232 |
$29,700 |
$29,700 |
17.77% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1396232. Member loan 1396232 was requested on July 9, 2012 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: | Baker Hughes | Debt-to-income ratio: | 18.53% |
Length of employment: | 4 years | Location: | FARMINGTON, NM |
Home town: | |||
Current & past employers: | Baker Hughes | ||
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, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,181.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.20% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | They total around $1200-$1400. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car loan $13,000. 2 credit cards combined balance $4,000. Personal loan $9,000. Interest rates vary from 9-14%. I have no student loans and no lines of credit. Total monthly is $1,800-$2,000.. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car loan $13,000. 2 credit cards combined balance $4,000. Personal loan $9,000. Interest rates vary from 9-14%. I have no student loans and no lines of credit. Total monthly is $1,800-$2,000.. |
What is your intended use for the loan proceeds? | I want to consolidate all my debt into one payment. Instead of having to make several different payments. |
What is your intended use for the loan proceeds? | I want to consolidate all my debt into one payment. Instead of having to make several different payments. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car loan $13,000. 2 credit cards combined balance $4,000. Personal loan $9,000. Interest rates vary from 9-14%. I have no student loans and no lines of credit. Total monthly is $1,800-$2,000.. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am going to pay off a car loan, personal loan, credit card and hospital bills. Instead if having to pay 4-5 separate bills it woukd be easier on me to pay one. |
What is your intended use for the loan proceeds? | I want to consolidate all my debt into one payment. Instead of having to make several different payments. |
What is your intended use for the loan proceeds? | I want to consolidate all my debt into one payment. Instead of having to make several different payments. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | $686 mortgage. $105 insurance and $122 in taxes |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car loan $13,000. 2 credit cards combined balance $4,000. Personal loan $9,000. Interest rates vary from 9-14%. I have no student loans and no lines of credit. Total monthly is $1,800-$2,000.. |
Which debts do you plan to pay off with this loan? | Car loan, personal loan, and credit cards.. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car loan $13,000. 2 credit cards combined balance $4,000. Personal loan $9,000. Interest rates vary from 9-14%. I have no student loans and no lines of credit. Total monthly is $1,800-$2,000.. |
What is your intended use for the loan proceeds? | I want to consolidate all my debt into one payment. Instead of having to make several different payments. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car loan $13,000. 2 credit cards combined balance $4,000. Personal loan $9,000. Interest rates vary from 9-14%. I have no student loans and no lines of credit. Total monthly is $1,800-$2,000.. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car loan $13,000. 2 credit cards combined balance $4,000. Personal loan $9,000. Interest rates vary from 9-14%. I have no student loans and no lines of credit. Total monthly is $1,800-$2,000.. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car loan $13,000. 2 credit cards combined balance $4,000. Personal loan $9,000. Interest rates vary from 9-14%. I have no student loans and no lines of credit. Total monthly is $1,800-$2,000.. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am going to pay off a car loan, personal loan, credit card and hospital bills. Instead if having to pay 4-5 separate bills it woukd be easier on me to pay one. |
What is your intended use for the loan proceeds? | I want to consolidate all my debt into one payment. Instead of having to make several different payments. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am going to pay off a car loan, personal loan, credit card and hospital bills. Instead if having to pay 4-5 separate bills it woukd be easier on me to pay one. |
Which debts do you plan to pay off with this loan? | Car loan, personal loan, and credit cards.. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car loan $13,000. 2 credit cards combined balance $4,000. Personal loan $9,000. Interest rates vary from 9-14%. I have no student loans and no lines of credit. Total monthly is $1,800-$2,000.. |
What is your intended use for the loan proceeds? | I want to consolidate all my debt into one payment. Instead of having to make several different payments. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car loan $13,000. 2 credit cards combined balance $4,000. Personal loan $9,000. Interest rates vary from 9-14%. I have no student loans and no lines of credit. Total monthly is $1,800-$2,000.. |
What is your intended use for the loan proceeds? | I want to consolidate all my debt into one payment. Instead of having to make several different payments. |
Member Payment Dependent Notes Series 1396471
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1396471 |
$19,375 |
$19,375 |
19.72% |
1.00% |
July 20, 2012 |
July 20, 2017 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1396471. Member loan 1396471 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,125 / month |
Current employer: | HemaSource | Debt-to-income ratio: | 23.16% |
Length of employment: | 2 years | Location: | CASTLE ROCK, CO |
Home town: | |||
Current & past employers: | HemaSource | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > I am using this loan to consolidate my debt. You will see that I have always made my monthly payments and pride myself is not missing a payment. I have a good stable job in the health care industry. I want to get back to only having my mortgage as my only debt. Thank you for your consideration.<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | 6 |
Revolving Credit Balance: | $29,084.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.70% | 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)? | Mtg 1130. Auto insurance 100. Utilities 225. Groceries 225. Gas 75-100 (I work only a mile from where I live) |
Member Payment Dependent Notes Series 1396682
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1396682 |
$14,000 |
$14,000 |
12.12% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1396682. Member loan 1396682 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,883 / month |
Current employer: | Texas Instruments | Debt-to-income ratio: | 7.64% |
Length of employment: | 2 years | Location: | FARMERS BRANCH, TX |
Home town: | |||
Current & past employers: | Texas Instruments | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > The loan is for down payment for buying an apartment. thanks.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,715.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.00% | 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)? | All my expenses come to around $1750 per month. |
What is the estimated current market value of the home you intend to purchase? | 105k$ |
Member Payment Dependent Notes Series 1396790
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1396790 |
$24,375 |
$24,375 |
20.49% |
1.00% |
July 20, 2012 |
July 13, 2017 |
July 13, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1396790. Member loan 1396790 was requested on June 29, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,083 / month |
Current employer: | Northrop Grumman | Debt-to-income ratio: | 17.91% |
Length of employment: | 6 years | Location: | OGDEN, UT |
Home town: | |||
Current & past employers: | Northrop Grumman | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Property is in a gated community in Northern Utah. There is an annual fee of $200 per year. This property has electrical and septic system hook ups for my trailer<br>
A credit bureau reported the following information about this borrower member on June 29, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1982 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | 38 |
Revolving Credit Balance: | $18,584.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 77.40% | 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? | To procure recreation property |
Please provide additional details regarding the purpose of the loan. | Utilize this Property for Hunting/Fishing. Plus enjoy the outdoors with my family. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | house is $1140 per month...include insurance<br>car insurance: $186<br>cell phones: $186<br>don't pay car or house taxes<br>utilities approx $250<br>food approx $600<br>car loan $294 owe $1800<br>trailer loan $460 per month<br>truck loan: $400 per month<br>second mortgage: $750<br>sears: $100<br>HBSC: $331 |
Please explain the reason why you carry a large revolving credit balance. | I am going to only utilize this to procure a piece of recreation property |
Please provide additional details regarding the purpose of the loan. | Utilize this Property for Hunting/Fishing. Plus enjoy the outdoors with my family. |
What is your intended use for the loan proceeds? | To procure recreation property |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I will utilize this loan to procure recreation property only |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | house is $1140 per month...include insurance<br>car insurance: $186<br>cell phones: $186<br>don't pay car or house taxes<br>utilities approx $250<br>food approx $600<br>car loan $294 owe $1800<br>trailer loan $460 per month<br>truck loan: $400 per month<br>second mortgage: $750<br>sears: $100<br>HBSC: $331 |
What is your intended use for the loan proceeds? | To procure recreation property |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | house is $1140 per month...include insurance<br>car insurance: $186<br>cell phones: $186<br>don't pay car or house taxes<br>utilities approx $250<br>food approx $600<br>car loan $294 owe $1800<br>trailer loan $460 per month<br>truck loan: $400 per month<br>second mortgage: $750<br>sears: $100<br>HBSC: $331 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I will utilize this loan to procure recreation property only |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Will only be using this loan to procure recreation property |
Please explain the reason why you carry a large revolving credit balance. | I am going to only utilize this to procure a piece of recreation property |
If you have a delinquency in the last 2 years, please explain the reason. | only bills that I have had an issue was with medical bills. I drop one medical insurance and doctor companies kept billing the one that I had dropped |
Member Payment Dependent Notes Series 1396971
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1396971 |
$24,000 |
$24,000 |
21.00% |
1.00% |
July 19, 2012 |
July 13, 2015 |
July 13, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1396971. Member loan 1396971 was requested on June 29, 2012 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: | Ford | Debt-to-income ratio: | 21.83% |
Length of employment: | 10+ years | Location: | Dearborn, MI |
Home town: | |||
Current & past employers: | Ford | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 06/29/12 > I want to pay off all of my credit cards because I feel overwhelmed by the amount of debt I incurred over foolishness. I regret my decisions and want to know what it feels like to be debt free. Just the thought of having no more debt brings peace of mind, less stress and restful sleeping. thank you<br>
A credit bureau reported the following information about this borrower member on June 29, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 21 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 53 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $32,518.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 86.60% | 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 current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | cc1 bal:11,500.00 rate:15% mnt pymt:300.00-cc2 bal:9,827 rate:0% until Jan 2013 mnt pymt:100.00- cc3 bal:4,891.00 rate: 15.9% mnt pymt:100.00-cc4 bal: 2,400.00 rate:11.4% mnt pymt:100.00- cc5 bal: 2,000.00 rate: 9% mnt pymt:100.00 personal loan bal: 4,781 rate 24% mnt pymtn:180.00 cc for dental work bal: 1,800.00 mnt pymt: 200.00 and two small balances on dept store cc's: one has balance of 191.00 at 55 pym a month and the other is 800.00 bal and payment monthly is 75.00/ mortgage is 1,224.00pm |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | cc1 bal:11,500.00 rate:15% mnt pymt:300.00-cc2 bal:9,827 rate:0% until Jan 2013 mnt pymt:100.00- cc3 bal:4,891.00 rate: 15.9% mnt pymt:100.00-cc4 bal: 2,400.00 rate:11.4% mnt pymt:100.00- cc5 bal: 2,000.00 rate: 9% mnt pymt:100.00 personal loan bal: 4,781 rate 24% mnt pymtn:180.00 cc for dental work bal: 1,800.00 mnt pymt: 200.00 and two small balances on dept store cc's: one has balance of 191.00 at 55 pym a month and the other is 800.00 bal and payment monthly is 75.00/ mortgage is 1,224.00pm |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | cc1 bal:11,500.00 rate:15% mnt pymt:300.00-cc2 bal:9,827 rate:0% until Jan 2013 mnt pymt:100.00- cc3 bal:4,891.00 rate: 15.9% mnt pymt:100.00-cc4 bal: 2,400.00 rate:11.4% mnt pymt:100.00- cc5 bal: 2,000.00 rate: 9% mnt pymt:100.00 personal loan bal: 4,781 rate 24% mnt pymtn:180.00 cc for dental work bal: 1,800.00 mnt pymt: 200.00 and two small balances on dept store cc's: one has balance of 191.00 at 55 pym a month and the other is 800.00 bal and payment monthly is 75.00/ mortgage is 1,224.00pm |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | cc1 bal:11,500.00 rate:15% mnt pymt:300.00-cc2 bal:9,827 rate:0% until Jan 2013 mnt pymt:100.00- cc3 bal:4,891.00 rate: 15.9% mnt pymt:100.00-cc4 bal: 2,400.00 rate:11.4% mnt pymt:100.00- cc5 bal: 2,000.00 rate: 9% mnt pymt:100.00 personal loan bal: 4,781 rate 24% mnt pymtn:180.00 cc for dental work bal: 1,800.00 mnt pymt: 200.00 and two small balances on dept store cc's: one has balance of 191.00 at 55 pym a month and the other is 800.00 bal and payment monthly is 75.00/ mortgage is 1,224.00pm |
Member Payment Dependent Notes Series 1397596
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1397596 |
$11,500 |
$11,500 |
17.77% |
1.00% |
July 19, 2012 |
July 14, 2015 |
July 14, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1397596. Member loan 1397596 was requested on June 30, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,833 / month |
Current employer: | Heritage Healtcare | Debt-to-income ratio: | 14.44% |
Length of employment: | 2 years | Location: | central, SC |
Home town: | |||
Current & past employers: | Heritage Healtcare | ||
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 June 30, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | 11 |
Revolving Credit Balance: | $1,167.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 27.80% | 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)? | Personal Loan $5100 31.1% $245 Per month, School Loan $4100 29.9% $200 Per month, Mortgage $77,000 6.5% $676.00, Car Payment $25,000 1.99% |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $400.00 per month. I am also married and my husband makes 33,000 per year. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Personal Loan $5100 31.1% $245 Per month, School Loan $4100 29.9% $200 Per month, Mortgage $77,000 6.5% $676.00, Car Payment $25,000 1.99% |
Which debts do you plan to pay off with this loan? | All I can |
Member Payment Dependent Notes Series 1397736
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1397736 |
$7,000 |
$7,000 |
12.12% |
1.00% |
July 18, 2012 |
July 15, 2015 |
July 15, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1397736. Member loan 1397736 was requested on July 1, 2012 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: | Holladay Heath Care | Debt-to-income ratio: | 27.22% |
Length of employment: | 10+ years | Location: | W VALLEY CITY, UT |
Home town: | |||
Current & past employers: | Holladay Heath Care | ||
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 1, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | 48 |
Revolving Credit Balance: | $12,106.00 | 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 |
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. | Discovery though Sam's club, Sear Master card, Wells Fargo Financial |
Member Payment Dependent Notes Series 1397827
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1397827 |
$3,250 |
$3,250 |
15.31% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1397827. Member loan 1397827 was requested on July 10, 2012 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: | P&F TEXTILES, INC. | Debt-to-income ratio: | 6.24% |
Length of employment: | 7 years | Location: | TORRANCE, CA |
Home town: | |||
Current & past employers: | P&F TEXTILES, 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 2, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2008 | 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: | $3,422.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1397840
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1397840 |
$8,250 |
$8,250 |
6.62% |
1.00% |
July 20, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1397840. Member loan 1397840 was requested on July 6, 2012 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: | Clinica Medica Familiar | Debt-to-income ratio: | 22.14% |
Length of employment: | < 1 year | Location: | RIVERSIDE, CA |
Home town: | |||
Current & past employers: | Clinica Medica Familiar | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > The loan is for a new residence and moving expenses<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 780+ | 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: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $142.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 1.80% | 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)? | My monthly expenses include rent (920), Utilities (200), Taxes (1,400), School Loans (1, 400), Car payment (200), etc, but I have excellent line of credit |
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 moving expenses, pay off some loans, down payment for apartment, purchasing some furniture, etc |
Member Payment Dependent Notes Series 1398094
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1398094 |
$19,200 |
$19,200 |
19.05% |
1.00% |
July 23, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1398094. Member loan 1398094 was requested on July 9, 2012 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: | Liberty Public Schools | Debt-to-income ratio: | 20.61% |
Length of employment: | 9 years | Location: | KANSAS CITY, MO |
Home town: | |||
Current & past employers: | Liberty Public Schools | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Wedding ceremony and reception<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2000 | 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: | $15,639.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 52.30% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 460<br>Insurance car is 370 for six months<br>Phone is 50<br>Food is 200 <br>Transportation is 200<br>Credit card is 500 <br><br>These are my only expenses |
Please explain the reason why you carry a large revolving credit balance. | Paid tuition with credit card to graduate with a master's degree |
What is your intended use for the loan proceeds? | To fund an upcoming wedding. The expenses associated with the wedding |
Please provide additional details regarding the purpose of the loan. | To fund an upcoming wedding - transportation, pictures and video, reception hall, food, tuxedo rental, dj and wedding invitations |
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 460<br>Insurance car is 370 for six months<br>Phone is 50<br>Food is 200 <br>Transportation is 200<br>Credit card is 500 <br><br>These are my only expenses |
Please explain the reason why you carry a large revolving credit balance. | Paid tuition with credit card to graduate with a master's degree |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 460<br>Insurance car is 370 for six months<br>Phone is 50<br>Food is 200 <br>Transportation is 200<br>Credit card is 500 <br><br>These are my only expenses |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 460<br>Insurance car is 370 for six months<br>Phone is 50<br>Food is 200 <br>Transportation is 200<br>Credit card is 500 <br><br>These are my only expenses |
Please explain the reason why you carry a large revolving credit balance. | Paid tuition with credit card to graduate with a master's degree |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 460<br>Insurance car is 370 for six months<br>Phone is 50<br>Food is 200 <br>Transportation is 200<br>Credit card is 500 <br><br>These are my only expenses |
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 460<br>Insurance car is 370 for six months<br>Phone is 50<br>Food is 200 <br>Transportation is 200<br>Credit card is 500 <br><br>These are my only expenses |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | I currently rent and do not have a mortgage payment. My monthly rent amount is $460, power and lights $40, gas energy $40, |
Please provide additional details regarding the purpose of the loan. | To fund an upcoming wedding - transportation, pictures and video, reception hall, food, tuxedo rental, dj and wedding invitations |
Please explain the reason why you carry a large revolving credit balance. | Paid tuition with credit card to graduate with a master's degree |
Member Payment Dependent Notes Series 1398104
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1398104 |
$19,200 |
$19,200 |
19.72% |
1.00% |
July 19, 2012 |
July 14, 2017 |
July 14, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1398104. Member loan 1398104 was requested on June 30, 2012 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: | Advantage Sales and Marketing | Debt-to-income ratio: | 13.01% |
Length of employment: | 10+ years | Location: | adelanto, CA |
Home town: | |||
Current & past employers: | Advantage Sales and Marketing | ||
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 June 30, 2012:
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: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $11,384.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 67.80% | 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)? | $2400.00 (includes car payment of $385.00) |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | CC debt 12,000 min pay total 210 average interest rate it 24.99<br>Car debt 17000 pay 385. interest rate 6% |
Please explain the reason why you carry a large revolving credit balance. | I was helping child through collage and over extended myself for a while. (and let them use 2 of my cards)<br>Now that is over, I have now put a plan together and began paying them off or down last month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | CC debt 12,000 min pay total 210 average interest rate it 24.99<br>Car debt 17000 pay 385. interest rate 6% |
Please explain the reason why you carry a large revolving credit balance. | I was helping child through collage and over extended myself for a while. (and let them use 2 of my cards)<br>Now that is over, I have now put a plan together and began paying them off or down last month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | CC debt 12,000 min pay total 210 average interest rate it 24.99<br>Car debt 17000 pay 385. interest rate 6% |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | CC debt 12,000 min pay total 210 average interest rate it 24.99<br>Car debt 17000 pay 385. interest rate 6% |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | 2400. All inclusive |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | No mortgage, |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | CC debt 12,000 min pay total 210 average interest rate it 24.99<br>Car debt 17000 pay 385. interest rate 6% |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | CC debt 12,000 min pay total 210 average interest rate it 24.99<br>Car debt 17000 pay 385. interest rate 6% |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | CC debt 12,000 min pay total 210 average interest rate it 24.99<br>Car debt 17000 pay 385. interest rate 6% |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Using loan to consolidate cc debt to one payment w one in<br>terest rate |
Member Payment Dependent Notes Series 1398248
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1398248 |
$35,000 |
$35,000 |
18.75% |
1.00% |
July 23, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1398248. Member loan 1398248 was requested on July 2, 2012 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: | Weatherford Int | Debt-to-income ratio: | 28.30% |
Length of employment: | 7 years | Location: | ROSENBERG, TX |
Home town: | |||
Current & past employers: | Weatherford Int | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > My load is to consolidate my bills and and have just one montly payment, instead of t15 or so montly payments to worry about. This is alot easier to maintain, and therefore alot simple to maintain.<br><br> Borrower added on 07/03/12 > My load is to consolidate my bills and and have just one montly payment, instead of t15 or so montly payments to worry about. This is alot easier to maintain, and therefore alot simple to keep track of and making sure i dont ever miss a payment or get late or behind on anything.<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $27,630.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.30% | 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)? | A close estimate would be close go about 2000.00 monthly. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Do you want the average cost or do you want these broken down individually. |
Please explain the reason why you carry a large revolving credit balance. | Honestly the reason is because i just let it get out of control and it was so easy just to use the cards. |
Which debts do you plan to pay off with this loan? | I plan on paying off credit cards or the majority of them so i can quit having high revolving credit out there, cause its dropping my creadit average and tired of paying all the high interest, at this rate ill never get them paid off. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Do you want the average cost or do you want these broken down individually. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Do you want the average cost or do you want these broken down individually. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Do you want the average cost or do you want these broken down individually. |
What is your intended use for the loan proceeds? | My plan is to consolidate my bills and and have just one montly payment, instead of 15 or so montly payments to worry about. This is alot easier to maintain, and therefore alot simple to keep track of and making sure i dont ever miss a payment or get late or behind on anything.and if i get full loan this should diff be enuogh to pay all off so i can start fresh and this time diff watch what im doing with my money instead of just being so easy to charge on the cards, cant keep doing this. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Do you want the average cost or do you want these broken down individually. |
Which debts do you plan to pay off with this loan? | I plan on paying off credit cards or the majority of them so i can quit having high revolving credit out there, cause its dropping my creadit average and tired of paying all the high interest, at this rate ill never get them paid off. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | My plan is to consolidate my bills and and have just one montly payment, instead of 15 or so montly payments to worry about.and therefore alot simple to keep track of and making sure i dont ever miss a payment or get late or behind on anything.and if i get fully funding for this loan all my charge/credit cards will be paid off and my credit will be better and i will have a clean slate and plan on spending cash for things instead of being so easy to charge on cards. |
Member Payment Dependent Notes Series 1398355
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1398355 |
$35,000 |
$35,000 |
19.72% |
1.00% |
July 19, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1398355. Member loan 1398355 was requested on July 6, 2012 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: | BTIG,LLC | Debt-to-income ratio: | 11.53% |
Length of employment: | 3 years | Location: | HOWELL, NJ |
Home town: | |||
Current & past employers: | BTIG,LLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > Looking for loan to consolidate credit card debt into one single payment while also getting a slightly better interest rate on credit card balances where rates have ballooned to the mid to upper 20% range. <br>Good credit history and long standing trend of payments on obligation in a timely fashion.<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | 10 |
Revolving Credit Balance: | $49,715.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.20% | 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)? | Mortgage ($1,350), Utilities ($300), Phone ($120), Transportation ($275), Auto(s) ($771), Insurance ($281), Food ($450), Student loans ($400) Credit Cards ($1,650 - $1,800), Misc ($400). Loan will save me roughly $450 a month which will be used to replenished savings diminished by an awful stock and real estate market over 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)? | Majority of my debt is credit cards, there are some student loans, but they are consolidated and very manageable. The 35,000 will all but eliminate that debt and make for one payment on a finite schedule. Don't get me wrong, the interest rate on this loan is better than most credit cards, but a far cry from that of a secured loan. I will be looking to pay this down in full as soon as possible. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage ($1,350), Utilities ($300), Phone ($120), Transportation ($275), Auto(s) ($771), Insurance ($281), Food ($450), Student loans ($400) Credit Cards ($1,650 - $1,800), Misc ($400). Loan will save me roughly $450 a month which will be used to replenished savings diminished by an awful stock and real estate market over 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)? | Majority of my debt is credit cards, there are some student loans, but they are consolidated and very manageable. The 35,000 will all but eliminate that debt and make for one payment on a finite schedule. Don't get me wrong, the interest rate on this loan is better than most credit cards, but a far cry from that of a secured loan. I will be looking to pay this down in full as soon as possible. |
Please explain the reason why you carry a large revolving credit balance. | I am guessing my answer keeps getting rejected as I have tried to answer twice before. Combination of medical issues and market impact to my reserves over the past three years have allowed me to keep up on all payments, but not chip away. Property value hits since the housing crisis disallows me to do this through refinance, so looking for a loan to reduce interest on balances while putting in place a set timeline to being flat. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage ($1,350), Utilities ($300), Phone ($120), Transportation ($275), Auto(s) ($771), Insurance ($281), Food ($450), Student loans ($400) Credit Cards ($1,650 - $1,800), Misc ($400). Loan will save me roughly $450 a month which will be used to replenished savings diminished by an awful stock and real estate market over the past 4 years. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Collective monthly expenses (mortgage, taxes, utilities and insurance) are roughly 2,000. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Majority of my debt is credit cards, there are some student loans, but they are consolidated and very manageable. The 35,000 will all but eliminate that debt and make for one payment on a finite schedule. Don't get me wrong, the interest rate on this loan is better than most credit cards, but a far cry from that of a secured loan. I will be looking to pay this down in full as soon as possible. |
Which debts do you plan to pay off with this loan? | consolidating all open credit cards to zero balances |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Not using for multiple purposes, consolidating outstanding credit card debt into one payment, with the added benefit of a slightly better interest rate a fixed schedule to eliminate entirely. |
Member Payment Dependent Notes Series 1398615
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1398615 |
$8,000 |
$8,000 |
7.62% |
1.00% |
July 24, 2012 |
July 15, 2015 |
July 15, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1398615. Member loan 1398615 was requested on July 1, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,750 / month |
Current employer: | City of Glendale | Debt-to-income ratio: | 13.28% |
Length of employment: | < 1 year | Location: | WADDELL, AZ |
Home town: | |||
Current & past employers: | City of Glendale | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/01/12 > To pay off my one credit card with half the interest rate charged by the bank.<br>
A credit bureau reported the following information about this borrower member on July 1, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2005 | 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: | $8,603.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.70% | 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)? | $310 rent<br>$65 utilities<br>$55 cell phone<br>$295 car payment <br>$150 fuel/trans cost<br>$150 food<br>$300 student loans<br>Visa Credit Card (see next 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. | I only have one credit card to pay off. A Visa credit card with a limit of $10,000 and a current balance of $8,500. Interest rate is 15.99% and current minimum monthly payment is $180. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Just one credit card with $8,000 on it and a current monthly minimum of $180. |
Please explain the reason why you carry a large revolving credit balance. | It just worked it's way up during my last year of school and during the six months before I found full-time employment. I also took a licensing preparation course that costed $3,000 that I put on my credit card. Currently I have close to a 100 interest charge each month. |
What is the total balance of your credit cards, interest rates and current monthly payments? | $8500, 15.99%, $180 monthly minimum, and an around a $100 interest charge each month. |
Member Payment Dependent Notes Series 1398807
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1398807 |
$35,000 |
$35,000 |
15.31% |
1.00% |
July 19, 2012 |
July 21, 2017 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1398807. Member loan 1398807 was requested on July 7, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,583 / month |
Current employer: | BAYER | Debt-to-income ratio: | 21.32% |
Length of employment: | 10+ years | Location: | Baytown, TX |
Home town: | |||
Current & past employers: | BAYER | ||
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 2, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1986 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | 16 |
Revolving Credit Balance: | $25,408.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 36.10% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $3000 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $2500 |
Please explain the reason why you carry a large revolving credit balance. | put one child thru college have one in college now |
If you have a delinquency in the last 2 years, please explain the reason. | none |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $2500 |
If you have a delinquency in the last 2 years, please explain the reason. | none |
Member Payment Dependent Notes Series 1398892
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1398892 |
$10,000 |
$10,000 |
8.90% |
1.00% |
July 20, 2012 |
July 15, 2015 |
July 15, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1398892. Member loan 1398892 was requested on July 1, 2012 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: | robert wood johnson university hospital | Debt-to-income ratio: | 10.60% |
Length of employment: | 8 years | Location: | Hamilton, NJ |
Home town: | |||
Current & past employers: | robert wood johnson university 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 July 1, 2012:
Credit Score Range: | 714-749 | 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: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,286.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 47.90% | 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 provide additional details regarding the purpose of the loan. | The purpose of the loan is to pay off my credit card bills and all my neccessities for me. |
What is your intended use for the loan proceeds? | To pay off my credit card. |
Member Payment Dependent Notes Series 1398946
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1398946 |
$7,000 |
$7,000 |
8.90% |
1.00% |
July 19, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1398946. Member loan 1398946 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,167 / month |
Current employer: | Cambria Solutions | Debt-to-income ratio: | 15.00% |
Length of employment: | 5 years | Location: | ELK GROVE, CA |
Home town: | |||
Current & past employers: | Cambria Solutions | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > This loan will be used to pay off three higher interest rate credit cards.<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1999 | 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: | $31,857.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.20% | 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 |
Please explain the reason why you carry a large revolving credit balance. | Our credit balance has built up over the years. We have been reducing it steadily and hope to consolidate some high interest credit cards with this loan to make it less expensive to pay off some of the debts |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | We will use the loan to pay off an American Express ($1400), Chase ($3500), and Home Depot ($1700) credit cards. |
Which debts do you plan to pay off with this loan? | We will use the loan to pay off an American Express ($1400), Chase ($3500), and Home Depot ($1700) credit cards. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have five credit cards and lines of credit with following balances/interest rates: $1390/15.24%;; $1800/25.99%; $3380/17.99%; $9500/16.49%; $15600/14.99%. I will use this loan to consolidate the first three items. |
Member Payment Dependent Notes Series 1398986
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1398986 |
$6,075 |
$6,075 |
14.33% |
1.00% |
July 20, 2012 |
July 15, 2015 |
July 15, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1398986. Member loan 1398986 was requested on July 1, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,750 / month |
Current employer: | n/a | Debt-to-income ratio: | 17.03% |
Length of employment: | n/a | Location: | Cincinnati, OH |
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 1, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1990 | 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: | $4,446.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 60.10% | Months Since Last Record: | 103 |
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. | Please clarify what you mean by "Public Record." I would be more than happy to answer the question. |
Member Payment Dependent Notes Series 1399350
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1399350 |
$20,000 |
$20,000 |
13.11% |
1.00% |
July 24, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1399350. Member loan 1399350 was requested on July 5, 2012 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: | Sisters of Charity of Levenworth | Debt-to-income ratio: | 5.75% |
Length of employment: | 10+ years | Location: | LOS ANGELES, CA |
Home town: | |||
Current & past employers: | Sisters of Charity of Levenworth | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > I would like to pay off all my credit cards and buy a new laptop computer. I have slowed my spending to only the essentials but I am drowning in the interest rates on all these cards. My goal is to reduce debt and improve my credit score to qualify for a reasonable interest rate for a home loan.<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $21,391.00 | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $2700.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit debt of 18,000, but your options were for 16,000 or 20,000. |
Please explain the reason why you carry a large revolving credit balance. | I don't have a mortgage, I rent, I am trying to improve my credit so I can buy a house eventually.<br>My car is paid for , so I don't have a car loan.<br>Therefore all my credit is revolving, 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 debt of 18,000, but your options were for 16,000 or 20,000. |
Which debts do you plan to pay off with this loan? | Credit Cards |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $2700.00 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Rent $2220.00<br>Utilities / insurance/ taxes $200.00 |
Please explain the reason why you carry a large revolving credit balance. | I don't have a mortgage, I rent, I am trying to improve my credit so I can buy a house eventually.<br>My car is paid for , so I don't have a car loan.<br>Therefore all my credit is revolving, 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 debt of 18,000, but your options were for 16,000 or 20,000. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit debt of 18,000, but your options were for 16,000 or 20,000. |
Member Payment Dependent Notes Series 1399575
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1399575 |
$9,000 |
$9,000 |
8.90% |
1.00% |
July 23, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1399575. Member loan 1399575 was requested on July 2, 2012 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: | Avalon Health Care | Debt-to-income ratio: | 18.84% |
Length of employment: | 2 years | Location: | TUCSON, AZ |
Home town: | |||
Current & past employers: | Avalon Health Care | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > Consolidate high rate credit cards<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 46 | Months Since Last Delinquency: | 28 |
Revolving Credit Balance: | $8,335.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 50.40% | 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)? | $400/rent<br>$65/water<br>$100/electric<br>$150/auto insurance<br>$440/car payment<br>$200/food |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $400/rent<br>$65/water<br>$100/electric<br>$150/auto insurance<br>$440/car payment<br>$200/food |
Member Payment Dependent Notes Series 1399618
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1399618 |
$35,000 |
$35,000 |
20.49% |
1.00% |
July 24, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1399618. Member loan 1399618 was requested on July 13, 2012 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: | CSX Transportation | Debt-to-income ratio: | 21.08% |
Length of employment: | 10+ years | Location: | savannah, GA |
Home town: | |||
Current & past employers: | CSX Transportation | ||
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 2, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1998 | 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: | $47,473.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1399751
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1399751 |
$20,000 |
$20,000 |
13.11% |
1.00% |
July 20, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1399751. Member loan 1399751 was requested on July 2, 2012 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: | us postal service | Debt-to-income ratio: | 14.72% |
Length of employment: | 10+ years | Location: | Eau Claire, WI |
Home town: | |||
Current & past employers: | us postal service | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > Looking for a loan to put in a new steel roof so I never have to replace old shingles ever again!<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1996 | 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: | $12,803.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 31.80% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My approximate monthly expenditures is $2350: $1333 mortgage (insurance/taxes included), $90 phone, $280 vehicle payment, $100 energy bill (average), $150 food (average), and $100 gas (average) and $300 on credit card debt/misc. spending. |
Is the improvement to your primary residence or an investment property? | Primary residence. |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | I owe 190k at 4.25%- my monthly payment is $1333 (approx. $950 mortgage-$380 escrow for taxes/insurance). |
Member Payment Dependent Notes Series 1400007
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400007 |
$9,000 |
$9,000 |
10.16% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400007. Member loan 1400007 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $9,000 / month |
Current employer: | Domtar | Debt-to-income ratio: | 32.06% |
Length of employment: | 2 years | Location: | TEXARKANA, AR |
Home town: | |||
Current & past employers: | Domtar | ||
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 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1974 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $32,193.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 72.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1400101
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400101 |
$14,400 |
$14,400 |
11.14% |
1.00% |
July 23, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400101. Member loan 1400101 was requested on July 2, 2012 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: | The Coffee Bean & Tea Leaf | Debt-to-income ratio: | 19.48% |
Length of employment: | 6 years | Location: | KENNESAW, GA |
Home town: | |||
Current & past employers: | The Coffee Bean & Tea Leaf | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > I've been in debt for awhile making the min payments. 2012 is my year to get my financial house in order. I've offically developed a true hate for my debt. I consolidated my high interest CC's and looking to pay those off with this loan. LC will help me see the light at the end of the tunnel.<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | 30 |
Revolving Credit Balance: | $24,031.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 48.90% | 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)? | My current monthly expenses including my credit card minimums total $2200. |
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 range from $350-$5000. My lines of credit range from 1400-8,000. Current interest rates vary from10-26%. Mortgage with insurance and property taxes is $960. I chose the loan that did not change my monthly outgoing expenses but that gave me enough to consolidate my high interest CC debt. The monthly loan payment is almost exactly the same to the current amount that I'm paying in minimums on these four cards. I know I can easily make the 472 as I'm currently paying this amount. |
Please explain the reason why you carry a large revolving credit balance. | When I first got credit I was immature with it and racked up a lot of debt. I then had to use CC's to help pay for school. Now that I have a good job and means to dig myself out of this financial hole, the bad economy caused my cc interest rates to go through the roof. I have always paid a little more than the monthly minimums, but the high interest rates are stalling my efforts to pay down the balances. |
If you have a delinquency in the last 2 years, please explain the reason. | I do not have any delinquencies in the past two years. |
Member Payment Dependent Notes Series 1400110
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400110 |
$10,000 |
$10,000 |
12.12% |
1.00% |
July 19, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400110. Member loan 1400110 was requested on July 8, 2012 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: | Cargoland | Debt-to-income ratio: | 21.20% |
Length of employment: | 6 years | Location: | DORAL, FL |
Home town: | |||
Current & past employers: | Cargoland | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Hello - My loan is to pay off three CC's that i used when i had my baby 11 months ago.. ( this is the only reason considering the loan,not to be used for any other reason than this) thanks for your consideration....<br><br> Borrower added on 07/10/12 > As i have mentioned before the loan will be my first loan. This is to pay of the three credit cards that i have, and to continue to build my credit. This is the sole purpose behind this loan. thanks for your consideration.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2006 | 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: | $10,629.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 58.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Lease Car Payment $373.00<br>insurance car $275.00<br>Utilities included in rent....<br>Food $300.00 (? varies depending on where i shop, but this is a good average)<br>Gym Membership $ 50.00<br>Cell Phone $55.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Chase $3500 ( 29.3 %) <br>Chase $2500 (19.0%)<br>First Florida (cc) $3000 (not sure what this off the top of my head)....<br>No- student loans.. <br>No -Mortgages <br>No - Lines of credit |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Lease Car Payment $373.00<br>insurance car $275.00<br>Utilities included in rent....<br>Food $300.00 (? varies depending on where i shop, but this is a good average)<br>Gym Membership $ 50.00<br>Cell Phone $55.00 |
Member Payment Dependent Notes Series 1400160
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400160 |
$30,000 |
$30,000 |
18.75% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400160. Member loan 1400160 was requested on July 9, 2012 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: | Riebes Auto Parts | Debt-to-income ratio: | 7.87% |
Length of employment: | 10+ years | Location: | YUBA CITY, CA |
Home town: | |||
Current & past employers: | Riebes Auto Parts | ||
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, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,861.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.00% | 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)? | credit cards: $30,000.00 and other charge/credit accounts<br>mortgages: $495,000.00: this includes a rental property<br>car: $17,000.00<br>no student loans<br>no 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)? | credit cards: $30,000.00 and other charge/credit accounts<br>mortgages: $495,000.00: this includes a rental property<br>car: $17,000.00<br>no student loans<br>no lines of credit |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $4500.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit cards: $30,000.00 and other charge/credit accounts<br>mortgages: $495,000.00: this includes a rental property<br>car: $17,000.00<br>no student loans<br>no lines of credit |
Please explain the reason why you carry a large revolving credit balance. | We use credit cards for all expenses from gas, groceries, etc. Got them to make sure we were covered. Now we are planning to close or lower some. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | $4,600.00 |
Please explain the reason why you carry a large revolving credit balance. | We use credit cards for all expenses from gas, groceries, etc. Got them to make sure we were covered. Now we are planning to close or lower some. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | $1747.00 taxes included<br>$100.00 insurance |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit cards: $30,000.00 and other charge/credit accounts<br>mortgages: $495,000.00: this includes a rental property<br>car: $17,000.00<br>no student loans<br>no lines of credit |
What is your intended use for the loan proceeds? | To pay of high interest credit cards and charge accounts |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit cards: $30,000.00 and other charge/credit accounts<br>mortgages: $495,000.00: this includes a rental property<br>car: $17,000.00<br>no student loans<br>no lines of credit |
Member Payment Dependent Notes Series 1400176
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400176 |
$18,000 |
$18,000 |
7.90% |
1.00% |
July 19, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400176. Member loan 1400176 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,208 / month |
Current employer: | University of South Florida | Debt-to-income ratio: | 12.29% |
Length of employment: | 5 years | Location: | Brandon, 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 07/08/12 > I'm using this loan to consolidate credit card and school loan debts. Despite a higher interest rate, by simplifying, I'll pay them off faster.<br><br> Borrower added on 07/12/12 > A question that keeps coming up are my monthly expenses, currently my fixed expenses (mortgage, utilities, phone, etc) are approximately $1360. Currently I pay $1250 per month towards my credit card and school debts.<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2004 | 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: | $9,770.00 | 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 is your intended use for the loan proceeds? | Paying off debts, technically there is no surplus if that iswhat you means by proceeds. |
Which debts do you plan to pay off with this loan? | Credit cards and school loans. This interest is higher than the school loan, but will get paid off faster by simplifying the debts into one 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 consolodate debts. Approximately 6000 in school debt and 11500 in credit card debts. By consolodating the debts into one payment, I'll pay them all off faster, despite a lower school loan interest rate. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Currently my fixed expenses (mortgage, utilities, phone, etc) are approximately $700. Approximately 300 for groceries, and 360 for the remaining monthly expenses (car payment and phone). Currently I pay 1250 per month towards my credit card and school debts. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My monthly expenses, currently my fixed expenses (mortgage, utilities, phone, etc) are approximately $1360. Currently I pay $1250 per month towards my credit card and school debts |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Currently my fixed expenses (mortgage, utilities, phone, etc) are approximately $700. Approximately 300 for groceries, and 360 for the remaining monthly expenses (car payment and phone). Currently I pay 1250 per month towards my credit card and school debts. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My monthly expenses, currently my fixed expenses (mortgage, utilities, phone, etc) are approximately $1360. Currently I pay $1250 per month towards my credit card and school debts |
Member Payment Dependent Notes Series 1400277
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400277 |
$15,000 |
$15,000 |
18.75% |
1.00% |
July 20, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400277. Member loan 1400277 was requested on July 3, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,250 / month |
Current employer: | Acosta Sales and Marketing | Debt-to-income ratio: | 21.10% |
Length of employment: | 3 years | Location: | CHESAPEAKE, VA |
Home town: | |||
Current & past employers: | Acosta Sales and Marketing | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/03/12 > I have credit card debt - $15K. I need to change my life, I need to pay these off, and close accounts. I checked debt relief, credit counseling, but the creditors get less than what I owe. I want to pay back in full what I owe, I am responsible. I will close all accounts I pay off. Credit REHAB<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,619.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 95.20% | Months Since Last Record: | 100 |
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 is about $2,400, Utilities about $350 (including power, water, phone, gas, etc). Food - I have family of 4, so I would estimate $600 a month. |
Which debts do you plan to pay off with this loan? | I plan to pay off credit cards. I will close the accounts If want my specific plan I can give it to you. I have a three year plan of getting out of credit card debt that does not involve credit counceling or any other type of assistance. I made this mess, I am going to clean it up. I do, however, need help from investors like you to make this happen. I pay my bills on time, I just need fewer bills! |
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 mortgage - $2,400 a month payment. Credit Cards are about $15K (loan amount) interest rates range from 13% to 22%. I don't have student loans. I don't have lines of credit. Monthly payments on 2 cars are combined $1,000. I just have too much revolving debt, and I need this loan to get rid of it. I have a plan to be free of credit card debt in three years, with no credit councelling or other assistance. I will pay my creditors in full, and on time. Will you help me? |
Please explain the reason why you carry a large revolving credit balance. | Poor decisions is the best answer. There is no answer that makes good financial sense. We have had some costly home repair issues, and some other things come up that were not expected. I think the most honest answer is that at times, we lived beyond our means - using credit cards to "enhance" our lifestyle. I know that may not be the answer investors want to hear, but it is brutally honest. So I am taking responsibility for our actions, and taking control. We will NEVER do it again. |
Please explain the reason why you carry a large revolving credit balance. | Poor decisions is the best answer. There is no answer that makes good financial sense. We have had some costly home repair issues, and some other things come up that were not expected. I think the most honest answer is that at times, we lived beyond our means - using credit cards to "enhance" our lifestyle. I know that may not be the answer investors want to hear, but it is brutally honest. So I am taking responsibility for our actions, and taking control. We will NEVER do it again. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage is about $2,400, Utilities about $350 (including power, water, phone, gas, etc). Food - I have family of 4, so I would estimate $600 a month. |
Member Payment Dependent Notes Series 1400291
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400291 |
$4,000 |
$4,000 |
7.90% |
1.00% |
July 20, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400291. Member loan 1400291 was requested on July 2, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,333 / month |
Current employer: | Massage Envy | Debt-to-income ratio: | 7.11% |
Length of employment: | 2 years | Location: | RED OAK, TX |
Home town: | |||
Current & past employers: | Massage Envy | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/03/12 > My goal is to pay off my credit cards so that I can afford to move out on my own.<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2007 | 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: | $4,176.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 31.90% | 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 expenses, estimated monthly are $1900.00 |
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 is $4006.72 with rates ranging from 19.99% to 24.99%. My credit line is $9250.00 at this time. I pay rent to my parents, I have no student loans and have been in my career for 2 years. |
Member Payment Dependent Notes Series 1400295
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400295 |
$12,000 |
$12,000 |
7.90% |
1.00% |
July 24, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400295. Member loan 1400295 was requested on July 2, 2012 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: | Lourdes Hospital | Debt-to-income ratio: | 25.84% |
Length of employment: | 2 years | Location: | PADUCAH, KY |
Home town: | |||
Current & past employers: | Lourdes Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > to consolidate my credit card debt and student loan debt<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,563.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 42.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1400579
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400579 |
$13,000 |
$13,000 |
8.90% |
1.00% |
July 18, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400579. Member loan 1400579 was requested on July 2, 2012 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: | Leam drilling | Debt-to-income ratio: | 18.81% |
Length of employment: | 6 years | Location: | TOMBALL, TX |
Home town: | |||
Current & past employers: | Leam drilling | ||
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 2, 2012:
Credit Score Range: | 714-749 | 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: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,076.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 47.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 3500 |
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. | Matercard 9900<br>MC-800<br>furniture 900 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | 320 for cards<br>All cards will be paid off with this loan |
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 1500 and that includes all taxes and insurance.<br>Utilities run on ave. 250-300 a month |
Member Payment Dependent Notes Series 1400586
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400586 |
$15,000 |
$15,000 |
14.09% |
1.00% |
July 20, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400586. Member loan 1400586 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,674 / month |
Current employer: | Milwaukee Public Schools | Debt-to-income ratio: | 25.98% |
Length of employment: | 10+ years | Location: | MILWAUKEE, WI |
Home town: | |||
Current & past employers: | Milwaukee 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 5, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | 21 |
Revolving Credit Balance: | $12,919.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: $700.<br>Transporation: $200. depending upon the price of gas<br>utilities: electric/gas: $150. average<br>Cable: $190. includes inter-net access, telephone, TV<br>Insurance: car 100. per month renters: $100. per year<br>Food: about $75. per week |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards: Sam's Club $762.14, $35. per/m at 21% Wells Fargo $3,032.13, $135. per/m at 25.75% Wells Fargo $4,166.59, $150. per/m at 27.15% Direct Rewards $2,177.04, $75. per/m at 21% Household Bank $759.92, $70. per/m at 24% Kohl's $417.20, $35. per/m at 25% Target $283.99, $35. per/m at 24% (interest rate are approximent) Students Loans: #1 $67,000. $331.57 per/m at 3.50% #2 $10,576.76, $130.99 per/m not sure of interest rate. Taxes: $9,772.45, $200. per/m not sure of interest rate |
If you have a delinquency in the last 2 years, please explain the reason. | Yes, due at times to the lack of funds I have fallen behind but I have always paid and got back on track. |
Please explain the reason why you carry a large revolving credit balance. | Basically I have been paying down the balance but during the summer because I do not receive a paycheck for July and August. I have had to use the credit cards to make ends meet. Paying for gas, food and other products and materials needed. By paying off the credit cards and my car loan I will be able to put back more funds to cover the 2 months during the summer. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards: Sam's Club $762.14, $35. per/m at 21% Wells Fargo $3,032.13, $135. per/m at 25.75% Wells Fargo $4,166.59, $150. per/m at 27.15% Direct Rewards $2,177.04, $75. per/m at 21% Household Bank $759.92, $70. per/m at 24% Kohl's $417.20, $35. per/m at 25% Target $283.99, $35. per/m at 24% (interest rate are approximent) Students Loans: #1 $67,000. $331.57 per/m at 3.50% #2 $10,576.76, $130.99 per/m not sure of interest rate. Taxes: $9,772.45, $200. per/m not sure of interest rate |
Which debts do you plan to pay off with this loan? | My car loan and all of my credit cards. will also cancel all of my credit card accounts and continue to life on money that I make and not use credit to purchase any items. |
If you have a delinquency in the last 2 years, please explain the reason. | Yes, due at times to the lack of funds I have fallen behind but I have always paid and got back on track. |
Member Payment Dependent Notes Series 1400701
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400701 |
$16,800 |
$16,800 |
11.14% |
1.00% |
July 20, 2012 |
July 19, 2017 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400701. Member loan 1400701 was requested on July 5, 2012 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: | AngioDynamics | Debt-to-income ratio: | 18.77% |
Length of employment: | 10+ years | Location: | Queensbury, NY |
Home town: | |||
Current & past employers: | AngioDynamics | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > I incurred some unforeseen expenses that I had to charge to a credit card. I want to establish a payment plan for these expenses to pay off the credit card. I am also doing some minor home improvement projects . I will be glad to answer any questions that you have. THank you for your consideration.<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1996 | 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: | $37,756.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 18.20% | 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)? | Monthly expenses are about $2000 per month including mortgage, utilities, groceries, entertainment, etc. |
Please explain the reason why you carry a large revolving credit balance. | Typically I do not carry this revolving debt. As mentioned, I had unforeseen expenses this year. This loan is designed to pay off that revolving debt. If you were to see my credit history over the past 10 years you would see that credit card balances have always been below $5000 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage is $159,000 balance at 4.5% interest rate<br>Credit cards are $30,000 at 9.9%. To be paid off with this loan<br>Student loans are $0 paid in full 10 years ago<br>Car loan is $0 paid in full last year<br>No other 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)? | Mortgage is $159,000 balance at 4.5% interest rate<br>Credit cards are $30,000 at 9.9%. To be paid off with this loan<br>Student loans are $0 paid in full 10 years ago<br>Car loan is $0 paid in full last year<br>No other lines of credit |
Member Payment Dependent Notes Series 1400712
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400712 |
$3,000 |
$3,000 |
14.09% |
1.00% |
July 20, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400712. Member loan 1400712 was requested on July 2, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,708 / month |
Current employer: | Controltech | Debt-to-income ratio: | 14.44% |
Length of employment: | < 1 year | Location: | cherry valley, AR |
Home town: | |||
Current & past employers: | Controltech | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/04/12 > I need to replace my central heat and air unit. Thank you to all investors.<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 26 |
Revolving Credit Balance: | $4,171.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 85.10% | 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)? | Expenses run $1000-$1300. |
Is the improvement to your primary residence or an investment property? | It is both a primary residence and investment property. I plan to sell in the future. |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | I owe just under $40000 on my home. The interest rate is 7.75%. I pay $495.00 a month on my mortgage. I have no HELOCs |
Please explain the reason why you carry a large revolving credit balance. | I dont think I carry a large revolving credit balance. My monthly expenses range $1000-$1300 a month. That includes my mortgage, utilities, student loan, credit card, phone bill, gas, food, and entertainment. |
Member Payment Dependent Notes Series 1400764
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400764 |
$12,000 |
$12,000 |
18.49% |
1.00% |
July 20, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400764. Member loan 1400764 was requested on July 12, 2012 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: | Albert Einstein College of Medicine | Debt-to-income ratio: | 7.92% |
Length of employment: | 10+ years | Location: | Bronx, NY |
Home town: | |||
Current & past employers: | Albert Einstein College of Medicine | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > This loan is for paying off my credit cards that I pay for more than what I have to pay you guys back each month now I can have a little money in my pocket<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2006 | 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: | $7,071.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1400834
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400834 |
$12,375 |
$12,375 |
17.77% |
1.00% |
July 23, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400834. Member loan 1400834 was requested on July 2, 2012 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: | JW Marriott MArquis | Debt-to-income ratio: | 10.69% |
Length of employment: | 7 years | Location: | Miami, FL |
Home town: | |||
Current & past employers: | JW Marriott MArquis | ||
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 2, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,676.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.40% | 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. | Because at the begining all the banks send me a offers and was very easy to my to get all the credits cards, i never tought that i need 13 or 15 years to pay off all of them because of the high rates (NEVER END HISTORY). I pay every month all the minimun that they required but now i know that in that way i never finish my debt.<br>For that reason i accept your offer, for sure in 3 years i will cancel all my debt. |
Please explain the reason why you carry a large revolving credit balance. | Because at the begining all the banks send me a offers and was very easy to my to get all the credits cards, i never tought that i need 13 or 15 years to pay off all of them because of the high rates (NEVER END HISTORY). I pay every month all the minimun that they required but now i know that in that way i never finish my debt.<br>For that reason i accept your offer, for sure in 3 years i will cancel all my debt. |
Please explain the reason why you carry a large revolving credit balance. | Because at the begining all the banks send me a offers and was very easy to my to get all the credits cards, i never tought that i need 13 or 15 years to pay off all of them because of the high rates (NEVER END HISTORY). I pay every month all the minimun that they required but now i know that in that way i never finish my debt.<br>For that reason i accept your offer, for sure in 3 years i will cancel all my debt. |
Member Payment Dependent Notes Series 1400987
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1400987 |
$4,000 |
$4,000 |
14.33% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1400987. Member loan 1400987 was requested on July 9, 2012 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: | usps | Debt-to-income ratio: | 29.02% |
Length of employment: | 10+ years | Location: | LEWISVILLE, TX |
Home town: | |||
Current & past employers: | usps | ||
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 2, 2012:
Credit Score Range: | 660-678 | 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: | 32 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $24,168.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1401071
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401071 |
$9,600 |
$9,600 |
10.16% |
1.00% |
July 20, 2012 |
July 16, 2015 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401071. Member loan 1401071 was requested on July 2, 2012 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: | NJ TRANSIT | Debt-to-income ratio: | 10.44% |
Length of employment: | 10+ years | Location: | West Orange, NJ |
Home town: | |||
Current & past employers: | NJ TRANSIT | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/02/12 > Debt consolidation: interest rate/monthly payment reduction on current loan and pay off high interest card balance.<br><br> Borrower added on 07/04/12 > This loan will allow me to pay off a higher interest loan that I have religiously paid on time and the highest interest rate card balance. The $250 monthly savings will go toward paying down other debt. Working toward not carrying any card balances by the time this loan is paid off.<br><br> Borrower added on 07/07/12 > This is a sound investment opportunity. Automatic transfers will be made to the account for payments that will maintain if not exceed minimum payment requirements.<br>
A credit bureau reported the following information about this borrower member on July 2, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | 8 |
Revolving Credit Balance: | $10,926.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 18.40% | 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)? | I pay for living expenses only. I do not pay the mortgage. Groceries, gas/electric, water bill amount to about $1,000/month. I paid off my car note last September so I don't have any other major monthly expenditures. My portion of the car insurance is about $110/month for 9 months out of the year. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | One loan and 2 bank cards with balances of approx 4500 each wih interest rates from 16 to 19% <br>Line of credit balance of a little over $900 with rate of 16%. pay about $700 per month. Loan will pay off two highest and reduce my monthly payments by $250. |
If you have a delinquency in the last 2 years, please explain the reason. | one over 30 days on a store card when converted to paperless billing and email went to junk mail. major accounts on auto payment. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I pay for living expenses only. I do not pay the mortgage. Groceries, gas/electric, water bill amount to about $1,000/month. I paid off my car note last September so I don't have any other major monthly expenditures. My portion of the car insurance is about $110/month for 9 months out of the year. |
If you have a delinquency in the last 2 years, please explain the reason. | one over 30 days on a store card when converted to paperless billing and email went to junk mail. major accounts on auto payment. |
Member Payment Dependent Notes Series 1401077
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401077 |
$16,450 |
$16,450 |
21.00% |
1.00% |
July 19, 2012 |
July 16, 2017 |
July 16, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401077. Member loan 1401077 was requested on July 2, 2012 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: | n/a | Debt-to-income ratio: | 22.85% |
Length of employment: | 2 years | Location: | Bellevue, 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 July 2, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | 64 |
Revolving Credit Balance: | $17,394.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.50% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Including gas, my monthly expenses are $1200 before food. I don't have kids, so I would estimate food to be about another $50 - $60 a week. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Right now, my total monthly payments on credit cards is $700, and it hasn't fluctuated much over the last couple years. With this loan, my payments will be about $500 between paying this loan and still owing about $2000 on one credit card. |
Please explain the reason why you carry a large revolving credit balance. | I accrued most of it when I was younger, in college, and starting off in a low-paying job. In the last two years, my income doubled, but I've still been paying the minimum on my credit cards. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Right now, my total monthly payments on credit cards is $700, and it hasn't fluctuated much over the last couple years. With this loan, my payments will be about $500 between paying this loan and still owing about $2000 on one credit card. |
Member Payment Dependent Notes Series 1401185
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401185 |
$10,000 |
$10,000 |
8.90% |
1.00% |
July 20, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401185. Member loan 1401185 was requested on July 3, 2012 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: | n/a | Debt-to-income ratio: | 9.84% |
Length of employment: | n/a | Location: | New York, 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 2, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2006 | 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: | $18,539.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 42.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1401437
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401437 |
$11,450 |
$11,450 |
15.31% |
1.00% |
July 20, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401437. Member loan 1401437 was requested on July 3, 2012 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: | Bird Dog | Debt-to-income ratio: | 22.43% |
Length of employment: | 1 year | Location: | PORTLAND, OR |
Home town: | |||
Current & past employers: | Bird Dog | ||
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 3, 2012:
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: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $36,554.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 88.10% | 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. | This is a good question and will hopefully explain the reason for this loan.<br>I made a "questionable" investment in a restaurant. Long story short. The business is on the market and I am currently fielding offers. My broker expects this process to take about 60 days as it is aggressively priced. At that point, the only credit I will be carrying is this Lending Club Loan. As recently as a year ago I carried no debt and that is how I prefer it. <br>I appreciate the inquiries. |
Please explain the reason why you carry a large revolving credit balance. | This is a good question and will hopefully explain the reason for this loan.<br>I made a "questionable" investment in a restaurant. Long story short. The business is on the market and I am currently fielding offers. My broker expects this process to take about 60 days as it is aggressively priced. At that point, the only credit I will be carrying is this Lending Club Loan. As recently as a year ago I carried no debt and that is how I prefer it. <br>I appreciate the inquiries. |
Please explain the reason why you carry a large revolving credit balance. | This is a good question and will hopefully explain the reason for this loan.<br>I made a "questionable" investment in a restaurant. Long story short. The business is on the market and I am currently fielding offers. My broker expects this process to take about 60 days as it is aggressively priced. At that point, the only credit I will be carrying is this Lending Club Loan. As recently as a year ago I carried no debt and that is how I prefer it. <br>I appreciate the inquiries. |
Member Payment Dependent Notes Series 1401536
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401536 |
$9,000 |
$9,000 |
13.11% |
1.00% |
July 19, 2012 |
July 17, 2017 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401536. Member loan 1401536 was requested on July 3, 2012 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: | United States Air Force | Debt-to-income ratio: | 13.49% |
Length of employment: | 2 years | Location: | MARY ESTHER, FL |
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 07/03/12 > It is going to be used to buy new furniture and appliances for my new home.<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2008 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $766.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 5.00% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | around $2000 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | around $2000 |
What is your intended use for the loan proceeds? | New furniture and entertainment system for my new home. |
Member Payment Dependent Notes Series 1401542
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401542 |
$19,125 |
$19,125 |
18.75% |
1.00% |
July 19, 2012 |
July 19, 2017 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401542. Member loan 1401542 was requested on July 5, 2012 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: | BJAAM Environmental | Debt-to-income ratio: | 25.89% |
Length of employment: | 4 years | Location: | LOUISVILLE, OH |
Home town: | |||
Current & past employers: | BJAAM Environmental | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > We recently bought an older home that required alot of maintenance which has put us in credit card debt. By doing this loan it would help us by having only 1 monthly payment and not paying all the other interest. Plus this will get us out of debt 5+ years sooner then paying only minimum payments.<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
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: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $21,013.00 | 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)? | Mortgage $635.00<br>Transportation (gas) $125.00<br>Utilities $ 320.00<br>Phone $80.00<br>Groceries $ 150.00<br>Student Loans $110.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Monthly Mortgage- $635.00<br>Monthly Student Loans - $120.00<br>Monthly Credit Cards -$618.00 Total Credit Card Debt $20761.00 interest rates are from 13.24% up to 25.99%<br>Line of Credit balance $6076 monthly payment $127.00 |
Please explain the reason why you carry a large revolving credit balance. | A few years ago I purchased an older time that has since required a lot of fixes and up keep. This caused my wife and I to use credit to fund many of these projects. Also with the birth of my children came numerous medical expenses that once again had us turning to credit. With the interest rates and the numerous payments we can't seem to get ahead. Hopefully by consolidating a large amount of our debt we will be able to finally become debt free. |
Which debts do you plan to pay off with this loan? | There are several cards that we would pay off with this. We would be using approx $17000.00 to pay on the cards with the remaining funds going into savings so we will start building a reserve to avoid having to use credit when in a pinch. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Monthly Mortgage- $635.00<br>Monthly Student Loans - $120.00<br>Monthly Credit Cards -$618.00 Total Credit Card Debt $20761.00 interest rates are from 13.24% up to 25.99%<br>Line of Credit balance $6076 monthly payment $127.00 |
What is your intended use for the loan proceeds? | The loan is to consolidate our credit card debt. There will be approx $400 left after consolidating 5 cards and that money will go into savings. |
Please explain the reason why you carry a large revolving credit balance. | A few years ago I purchased an older time that has since required a lot of fixes and up keep. This caused my wife and I to use credit to fund many of these projects. Also with the birth of my children came numerous medical expenses that once again had us turning to credit. With the interest rates and the numerous payments we can't seem to get ahead. Hopefully by consolidating a large amount of our debt we will be able to finally become debt free. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Monthly Mortgage- $635.00<br>Monthly Student Loans - $120.00<br>Monthly Credit Cards -$618.00 Total Credit Card Debt $20761.00 interest rates are from 13.24% up to 25.99%<br>Line of Credit balance $6076 monthly payment $127.00 |
Which debts do you plan to pay off with this loan? | There are several cards that we would pay off with this. We would be using approx $17000.00 to pay on the cards with the remaining funds going into savings so we will start building a reserve to avoid having to use credit when in a pinch. |
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 consolidate credit card debt. The $400 or so that is left after paying off the cards will go into savings. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Monthly Mortgage- $635.00<br>Monthly Student Loans - $120.00<br>Monthly Credit Cards -$618.00 Total Credit Card Debt $20761.00 interest rates are from 13.24% up to 25.99%<br>Line of Credit balance $6076 monthly payment $127.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Monthly Mortgage- $635.00<br>Monthly Student Loans - $120.00<br>Monthly Credit Cards -$618.00 Total Credit Card Debt $20761.00 interest rates are from 13.24% up to 25.99%<br>Line of Credit balance $6076 monthly payment $127.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $635.00<br>Transportation (gas) $125.00<br>Utilities $ 320.00<br>Phone $80.00<br>Groceries $ 150.00<br>Student Loans $110.00 |
Which debts do you plan to pay off with this loan? | There are several cards that we would pay off with this. We would be using approx $17000.00 to pay on the cards with the remaining funds going into savings so we will start building a reserve to avoid having to use credit when in a pinch. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Monthly Mortgage- $635.00<br>Monthly Student Loans - $120.00<br>Monthly Credit Cards -$618.00 Total Credit Card Debt $20761.00 interest rates are from 13.24% up to 25.99%<br>Line of Credit balance $6076 monthly payment $127.00 |
Member Payment Dependent Notes Series 1401544
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401544 |
$20,000 |
$20,000 |
15.80% |
1.00% |
July 20, 2012 |
July 19, 2017 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401544. Member loan 1401544 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,292 / month |
Current employer: | Hancock Bank | Debt-to-income ratio: | 17.28% |
Length of employment: | 5 years | Location: | Creola, AL |
Home town: | |||
Current & past employers: | Hancock Bank | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > I am looking for a small investment loan for a home I want to purchase rehab by putting some more of my own money into it and then either renting it or flipping it. It depends on what the market dictates at that time.<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | 37 |
Revolving Credit Balance: | $55,821.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 27.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1401548
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401548 |
$17,000 |
$17,000 |
15.31% |
1.00% |
July 19, 2012 |
July 17, 2017 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401548. Member loan 1401548 was requested on July 3, 2012 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: | Radlo Foods | Debt-to-income ratio: | 17.34% |
Length of employment: | 10+ years | Location: | NORTH PROVIDENCE, RI |
Home town: | |||
Current & past employers: | Radlo Foods | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/03/12 > Hello, Just trying to get a reasonable loan so I can payoff and cancel some of my credit cards, as the interest rates are killing me month after month on the balances. Thank You!<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $23,763.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 80.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1401565
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401565 |
$27,575 |
$27,575 |
18.49% |
1.00% |
July 18, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401565. Member loan 1401565 was requested on July 3, 2012 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: | Turner Construction Company | Debt-to-income ratio: | 25.67% |
Length of employment: | 1 year | Location: | Elmhurst, NY |
Home town: | |||
Current & past employers: | Turner Construction Company | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/03/12 > I am a very responsible person and take my debts very seriously but paying them off I am not getting to the principal only the interest. So I am hoping you will take a chance and extend me the money so I can pay this. Thank you for your time<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 23 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $31,723.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.00% | 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 monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | My rent is only 500/month, I own my car which is a 1997 honda and I have full coverage about 1,200/year, elect, tel, cable gas approx 500/month renter insurance 300/year , life ins 65/month that is about it except for the debt I ammassed. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | mastercard 6,500, visa 8,300, HSBC verdraft 2,000, discover 2,000, capitol one 1,500, balance on HSBC loan $5,100<br>Please recognize tgat I had been out of work for approx 12 months so in order to pay alot of my billsI used my credit cardes which I realize now was very stupid, but COBRA alone was 700/month how anyone can live on unemployment alone (400/week)I don't understand. if I can pay off the whole thing I can start from scratch - thanks for reading |
Member Payment Dependent Notes Series 1401667
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401667 |
$17,600 |
$17,600 |
18.75% |
1.00% |
July 20, 2012 |
July 22, 2017 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401667. Member loan 1401667 was requested on July 8, 2012 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: | Securitas | Debt-to-income ratio: | 8.38% |
Length of employment: | 4 years | Location: | HERMITAGE, PA |
Home town: | |||
Current & past employers: | Securitas | ||
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 3, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 3 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 12 |
Revolving Credit Balance: | $5,866.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 41.30% | 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 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Dear lender, I will be using this loan for multiple reasons. First I'll put part of it towards my daughters braces witch my insurance will not cover. I would also use part of it to take my children on vacation. I haven't taken my kids on vacation for last few years because I was deployed to Iraq and I started and with the timing of my current job. With the remain amount I would like to pay off a few bills. I hope this will satisfy your answer. I do appreciate your concern and possible business. |
Member Payment Dependent Notes Series 1401762
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401762 |
$21,850 |
$21,850 |
8.90% |
1.00% |
July 19, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401762. Member loan 1401762 was requested on July 3, 2012 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: | GREEN WOOD VALLEY INC | Debt-to-income ratio: | 1.22% |
Length of employment: | 4 years | Location: | brooklyn, NY |
Home town: | |||
Current & past employers: | GREEN WOOD VALLEY INC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/03/12 > i have a business established for almost 4 years and just need to expand the business more in other city. thats actually the cause that i am applying for this loan. thank you.<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | 8 |
Revolving Credit Balance: | $1,376.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 3.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 1800 |
What type of business are you starting? | wholesale of bed and bath products |
What will be the largest expense in the first six months? | so far which i concern about. the largest expenses will be ordering the merchandise for new location. hope answer your question thanks |
If you have a delinquency in the last 2 years, please explain the reason. | i don't have any delinquency. |
What type of business are you starting? | wholesale of bed and bath products |
Please describe your experience/familiarity with the business you are starting/started? | i have a business of wholesale and manufacturing of bed and bath products. i am in this field for last 6 years and i do own a business for last 4 years but no planning to start one more location in different city. that the cause i am appling for this loan. hope answer your question.<br>thanks |
If you have a delinquency in the last 2 years, please explain the reason. | i don't have any delinquency. |
Member Payment Dependent Notes Series 1401764
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401764 |
$18,000 |
$18,000 |
18.49% |
1.00% |
July 23, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401764. Member loan 1401764 was requested on July 3, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $13,750 / month |
Current employer: | Oracle | Debt-to-income ratio: | 15.99% |
Length of employment: | 2 years | Location: | Aust, TX |
Home town: | |||
Current & past employers: | Oracle | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > This loan is to consolidate debt payments with improved interest rate and single payment for systematically eliminating my revolving debt.<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 49 | Months Since Last Delinquency: | 10 |
Revolving Credit Balance: | $27,234.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 58.90% | 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)? | mortgage 1750<br>car 1 510<br>car 2 200<br>insurance 500<br>utilities 2<br>phone 175<br>internet 200<br>water 125<br>gas 50<br>food 1200<br>trash 50<br>pool supplies 100<br>sports fees 650<br>car gas 1000<br>random car maintenance 200 |
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 - $5700 / $245 / 28%<br>MasterCard - $4500 / $235 / 26%<br>MasterCard - $8400 / $250 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | current payments approximately $845<br>new estimate including loan approximately $715 |
Please explain the reason why you carry a large revolving credit balance. | The reason I intermittently carry debt is the timing an frequency of expenses and my ability to pay them down. I have previously carried a balance and have always managed to pay it back down. I am just trying to be more proactive about the entire process. |
If you have a delinquency in the last 2 years, please explain the reason. | I do not have any delinquencies - |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage 1750<br>car 1 510<br>car 2 200<br>insurance 500<br>utilities 2<br>phone 175<br>internet 200<br>water 125<br>gas 50<br>food 1200<br>trash 50<br>pool supplies 100<br>sports fees 650<br>car gas 1000<br>random car maintenance 200 |
Member Payment Dependent Notes Series 1401787
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401787 |
$9,750 |
$9,750 |
15.80% |
1.00% |
July 19, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401787. Member loan 1401787 was requested on July 3, 2012 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: | Primavera Pub | Debt-to-income ratio: | 27.12% |
Length of employment: | 1 year | Location: | hartford, CT |
Home town: | |||
Current & past employers: | Primavera Pub | ||
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 3, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 13 |
Revolving Credit Balance: | $3,791.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.20% | 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)? | 600,00 |
What are the estimated expenses? | 600,00 |
If you have a delinquency in the last 2 years, please explain the reason. | No. |
Member Payment Dependent Notes Series 1401836
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401836 |
$25,800 |
$25,800 |
23.76% |
1.00% |
July 19, 2012 |
July 17, 2017 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401836. Member loan 1401836 was requested on July 3, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $58,333 / month |
Current employer: | American | Debt-to-income ratio: | 0.45% |
Length of employment: | 10+ years | Location: | Durham, NC |
Home town: | |||
Current & past employers: | American | ||
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 3, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 5 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 4 |
Revolving Credit Balance: | $8,587.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 400.00 total |
If you have a delinquency in the last 2 years, please explain the reason. | Confusion in getting direct debt setup |
Please explain the reason why you carry a large revolving credit balance. | I got the loan to make up the difference when I sold my house |
What type of business are you starting? | Purchasing existing vending route |
What will be the largest expense in the first six months? | Repayment of this loan |
Can you provide some high level financials on the monthly costs / revenue of your business? | I do have financial on the business I'm trying to acquire. I have 2011 and thru May of 2012. I can email or fax them to you. |
Member Payment Dependent Notes Series 1401947
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401947 |
$15,600 |
$15,600 |
14.33% |
1.00% |
July 24, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401947. Member loan 1401947 was requested on July 12, 2012 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: | Centurylink | Debt-to-income ratio: | 16.52% |
Length of employment: | 10+ years | Location: | West Jordan, UT |
Home town: | |||
Current & past employers: | Centurylink | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > I'm focused on getting out of debt. This loan will help me consolidate 3 credit cards with high interest rates 29.99%, 20.75% and 19.99%.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | 22 |
Revolving Credit Balance: | $23,870.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $2130 |
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- Balance $1431, Interest 29.99%, Monthly payment $50<br>Visa- Balance $7866, Interest 19.99%, Monthly payment $190<br>Visa- Balance $5327, Interest 20.75%, Monthly payment $160 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Monthly payment now is $400, after loan will be $535 |
What is the total balance of your credit cards, interest rates and current monthly payments? | Mastercard- Balance $1431, Interest 29.99%, Monthly payment $50<br>Visa- Balance $7866, Interest 19.99%, Monthly payment $190<br>Visa- Balance $5327, Interest 20.75%, Monthly payment $160 |
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- Balance $1431, Interest 29.99%, Monthly payment $50<br>Visa- Balance $7866, Interest 19.99%, Monthly payment $190<br>Visa- Balance $5327, Interest 20.75%, Monthly payment $160 |
Member Payment Dependent Notes Series 1401954
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401954 |
$10,000 |
$10,000 |
15.31% |
1.00% |
July 20, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401954. Member loan 1401954 was requested on July 3, 2012 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: | Merchant Security LLC. | Debt-to-income ratio: | 14.46% |
Length of employment: | 10+ years | Location: | EL PASO, TX |
Home town: | |||
Current & past employers: | Merchant Security LLC. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > Would like to pay off all credit cards.<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 41 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,011.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Home is payed off, I live with my mother.Total monthly expenses is 680.00 plus yearly property tax of 2300<br>in which my mother pays half. |
Please explain the reason why you carry a large revolving credit balance. | Borrowed to help a family member. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Home is payed off, I live with my mother.Total monthly expenses is 680.00 plus yearly property tax of 2300<br>in which my mother pays half. |
Which debts do you plan to pay off with this loan? | All credit cards. |
Please explain the reason why you carry a large revolving credit balance. | Borrowed to help a family member. |
Please explain the reason why you carry a large revolving credit balance. | Borrowed to help a family member. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Home is payed off, I live with my mother.Total monthly expenses is 680.00 plus yearly property tax of 2300<br>in which my mother pays half. |
Member Payment Dependent Notes Series 1401999
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1401999 |
$10,000 |
$10,000 |
13.11% |
1.00% |
July 19, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1401999. Member loan 1401999 was requested on July 3, 2012 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: | EadaTech | Debt-to-income ratio: | 7.61% |
Length of employment: | 3 years | Location: | HUNTINGTON BEACH, CA |
Home town: | |||
Current & past employers: | EadaTech | ||
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 3, 2012:
Credit Score Range: | 679-713 | 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: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $16,549.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 58.10% | 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)? | rent: $ 350.00<br>transportation: car (all ready paid off), gas: $100.00<br>utilities:$ 10.00<br>phone:$ 35.00<br>insurance: $40.00.<br>food:$80.00<br>others: (clothing,etc..) $100.00 |
What is your intended use for the loan proceeds? | Credicard refinancing and business. |
Please explain the reason why you carry a large revolving credit balance. | In past years, I spent too much money for school tuition (I went to school for master degree) and helping others(relatives,...). Now I am trying to save money and start small business to earn some more money. |
Member Payment Dependent Notes Series 1402324
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1402324 |
$10,000 |
$10,000 |
14.09% |
1.00% |
July 19, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1402324. Member loan 1402324 was requested on July 3, 2012 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: | sacramento city unified school district | Debt-to-income ratio: | 8.71% |
Length of employment: | 10+ years | Location: | SACRAMENTO, CA |
Home town: | |||
Current & past employers: | sacramento city unified school district | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/03/12 > For Debt Consolidation Loan.<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2005 | 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: | $15,917.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 85.00% | 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)? | $300.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $1,200.00 |
Please explain the reason why you carry a large revolving credit balance. | Home improvement |
Member Payment Dependent Notes Series 1402391
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1402391 |
$11,000 |
$11,000 |
19.05% |
1.00% |
July 19, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1402391. Member loan 1402391 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,417 / month |
Current employer: | J Curve Inc | Debt-to-income ratio: | 13.24% |
Length of employment: | 2 years | Location: | Dunwoody, GA |
Home town: | |||
Current & past employers: | J Curve 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 5, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 47 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $49,110.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 95.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1402455
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1402455 |
$21,000 |
$21,000 |
14.33% |
1.00% |
July 23, 2012 |
July 17, 2017 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1402455. Member loan 1402455 was requested on July 3, 2012 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: | Life Technologies | Debt-to-income ratio: | 6.16% |
Length of employment: | 10+ years | Location: | Liberty Township, OH |
Home town: | |||
Current & past employers: | Life 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 3, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 81 |
Revolving Credit Balance: | $22,196.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 38.90% | 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)? | I will be paying off 3 cards each having a balance of a little over 6k. These cards have rates that vary between 13 and 23%. My mortgage is $2450/month after refi to shorter term. No open lines of credit. |
Which debts do you plan to pay off with this loan? | Answered in previous question but mostly the three cards I have. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Utilities are about 250/month. I have a company car so no expenses there, and food costs are average. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I will be paying off 3 cards each having a balance of a little over 6k. These cards have rates that vary between 13 and 23%. My mortgage is $2450/month after refi to shorter term. No open lines of credit. |
Please explain the reason why you carry a large revolving credit balance. | Mostly due to a big medical bill, large tax bill and paying off some old student loans. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I will be paying off 3 cards each having a balance of a little over 6k. These cards have rates that vary between 13 and 23%. My mortgage is $2450/month after refi to shorter term. No open lines of credit. |
If you have a public record on file, please briefly explain the event and its resolution. | None that I know about. |
If you have a delinquency in the last 2 years, please explain the reason. | None that I am aware of. I am usually on time with my payments. |
Please explain the reason why you carry a large revolving credit balance. | Mostly due to a big medical bill, large tax bill and paying off some old student loans. |
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 $2450/month and includes taxes and insurance. 2nd Mortgage is $142/month or so. Utilities average about $3-400/month. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | All money will go towards paying off at least three credir cards and possibly a fourth. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Mortgage is $2450/month and includes all taxes and insurance. |
Which debts do you plan to pay off with this loan? | Answered in previous question but mostly the three cards I have. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I will be paying off 3 cards each having a balance of a little over 6k. These cards have rates that vary between 13 and 23%. My mortgage is $2450/month after refi to shorter term. No open lines of credit. |
Member Payment Dependent Notes Series 1402540
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1402540 |
$8,000 |
$8,000 |
17.77% |
1.00% |
July 20, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1402540. Member loan 1402540 was requested on July 3, 2012 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: | HyVee | Debt-to-income ratio: | 34.56% |
Length of employment: | 2 years | Location: | East Dubuque, IL |
Home town: | |||
Current & past employers: | HyVee | ||
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 3, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 26 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 63 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $18,518.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 32.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent 0, recently sold my home to move with work next year and am currently living with my parents. I would like to be debt free beside student loans. <br><br>All other are roughly 800 a month including car payment. |
Please explain the reason why you carry a large revolving credit balance. | I moved out of state for work and had to maintain my old mortgage payment(house now sold) and rent payment. I am now in a stable job and in a much more stable financial situation now that my home has sold. |
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-4000<br>Visa-4000<br><br>I will leave the remaining balance on my Discover Card as it only has a 9.24% rate. |
What is the total balance of your credit cards, interest rates and current monthly payments? | I will have 7800 remaining (Discover Card 9.24%) after the other cards have been repaid. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | $350 that will be paid off by loan, and will have my Discover Card remaining at $162 per month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent 0, recently sold my home to move with work next year and am currently living with my parents. I would like to be debt free beside student loans. <br><br>All other are roughly 800 a month including car payment. |
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-4000<br>Visa-4000<br><br>I will leave the remaining balance on my Discover Card as it only has a 9.24% rate. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | $350 that will be paid off by loan, and will have my Discover Card remaining at $162 per month. |
Please explain the reason why you carry a large revolving credit balance. | I moved out of state for work and had to maintain my old mortgage payment(house now sold) and rent payment. I am now in a stable job and in a much more stable financial situation now that my home has sold. |
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-4000<br>Visa-4000<br><br>I will leave the remaining balance on my Discover Card as it only has a 9.24% rate. |
Member Payment Dependent Notes Series 1402552
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1402552 |
$21,000 |
$21,000 |
7.62% |
1.00% |
July 19, 2012 |
July 17, 2015 |
July 17, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1402552. Member loan 1402552 was requested on July 3, 2012 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: | Goodman Theatre | Debt-to-income ratio: | 6.84% |
Length of employment: | 7 years | Location: | Evanston, IL |
Home town: | |||
Current & past employers: | Goodman Theatre | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/03/12 > I want to pay off outstanding credit card debt. I always make more than the minimum payments and I make them on time but am carrying balances from my student days and am not making as much headway as I would like.<br>
A credit bureau reported the following information about this borrower member on July 3, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1991 | 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: | $19,178.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 27.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | The percentage of our total monthly household expenses (mortgage payment, transportation, utilities, insurance, food, childcare) that I am responsible for, not including credit card payments, is $2500; my husband and I are both employed and share expenses, so the actual monthly total is aprox. $5600, but $2500 is what I contribute. My annual income before taxes is $64,000; our total household income before taxes is $148500. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Citicard: outstanding balance of $9200 with an interest rate of 11%, minimum payment of $140, I've been paying $200<br>Bank of America/US Airways: outstanding balance of $9250, interest rate of 9.24%, minimum payment of $120, I've been paying $150<br>Bank of America, outstanding balance of $4300, interest rate of 10.24, minimum payment of $75, we've been paying $150<br>Mortage, Wells Fargo, outstanding balance of $262,000, interest rate of 5.25, monthly payment $2300 (including property taxes) |
Member Payment Dependent Notes Series 1402572
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1402572 |
$3,250 |
$3,250 |
15.31% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1402572. Member loan 1402572 was requested on July 9, 2012 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: | Minute Man of America | Debt-to-income ratio: | 29.97% |
Length of employment: | 7 years | Location: | Houston, TX |
Home town: | |||
Current & past employers: | Minute Man 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 July 5, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2009 | 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: | $460.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 57.50% | 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 am looking to refinance my truck from its current 18% to 6.6%. I am looking to put $1500 toward this, and the remainder with $3000 from my savings to pay off my wife's car to free up cash for our monthly budget, due to my daughter starting school in August, and an increase in our health insurance. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I only have 1 c.c. that I only use for automatic billing for our toll usuage and trash service, i pay the balance every month and just keep it as an emergency. I have 2 cars and pay 1085 for both per month. I want to use some of the money to refinance my truck and lower from 18% to 6.6%, & pay off my other car 4300 balance along with 3000 from savings, which would reduce the monthly payments to 383. |
Member Payment Dependent Notes Series 1402871
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1402871 |
$14,125 |
$14,125 |
6.62% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1402871. Member loan 1402871 was requested on July 7, 2012 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: | UC Berkeley/HHMI | Debt-to-income ratio: | 1.99% |
Length of employment: | < 1 year | Location: | Berkeley, CA |
Home town: | |||
Current & past employers: | UC Berkeley/HHMI | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > I want to buy a used car, and I prefer to get a loan from lending club instead of a bank. It will be my first car actually! Also, I will use some of the money to help my family pay off some debt.<br>
A credit bureau reported the following information about this borrower member on July 4, 2012:
Credit Score Range: | 750-779 | 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: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,467.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 7.70% | 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)? | My average total monthly expenses are $1400/month . |
What type of vehicle are you buying (make, model, year, mileage and condition)? | I'm still shopping around for a good deal, but it will be a Honda Civic sedan. |
What are the balances, interest rates, and monthly payments on any other auto obligations? | I do not have any other auto obligations. |
Member Payment Dependent Notes Series 1402972
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1402972 |
$6,000 |
$6,000 |
14.09% |
1.00% |
July 19, 2012 |
July 18, 2015 |
July 18, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1402972. Member loan 1402972 was requested on July 4, 2012 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: | Alemany High School | Debt-to-income ratio: | 21.47% |
Length of employment: | 10+ years | Location: | Pasadena, CA |
Home town: | |||
Current & past employers: | Alemany High School | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > I need to repair bathroom. A water pipe exploded and insurance co has not paid enough to cover expenses. Am very stable, have good job and good income.<br><br> Borrower added on 07/05/12 > will be using $$ to employ other people for bathroom repair. Contractor, plumber, electrician, tile setters, etc.<br>
A credit bureau reported the following information about this borrower member on July 4, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 23 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $36,855.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.80% | 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)? | Mortgage is $2600, 2 cars are around $800 (my daughter can now pay her $300 payment), utilities, phone, and cable around $500, food around $500. Revolving credit payments around $700, but I usually pay more than the minimum. Insurance about $200, but that is paid for the year. |
Is the improvement to your primary residence or an investment property? | Primary residence. House is worth currently about $450,000, and I have put about $10,000 already in improvements |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | Balance is around $345,000. Interest rate is around 5% and mortgage payments including property taxes are just under $2600. No HELOC |
Please explain the reason why you carry a large revolving credit balance. | I just put my daughter through college. I am a single parent and got NO help doing this. It cost me over $200,000 to do this, and I have about $100,000 remaining in student loan debt. It has been tight for the past 4 years, but she is now done and working 2 jobs. (like me LOL!) |
Please explain the reason why you carry a large revolving credit balance. | I just put my daughter through college. I am a single parent and got NO help doing this. It cost me over $200,000 to do this, and I have about $100,000 remaining in student loan debt. It has been tight for the past 4 years, but she is now done and working 2 jobs. (like me LOL!) |
Please explain the reason why you carry a large revolving credit balance. | I just put my daughter through college. I am a single parent and got NO help doing this. It cost me over $200,000 to do this, and I have about $100,000 remaining in student loan debt. It has been tight for the past 4 years, but she is now done and working 2 jobs. (like me LOL!) |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | Balance is around $345,000. Interest rate is around 5% and mortgage payments including property taxes are just under $2600. No HELOC |
Please explain the reason why you carry a large revolving credit balance. | I just put my daughter through college. I am a single parent and got NO help doing this. It cost me over $200,000 to do this, and I have about $100,000 remaining in student loan debt. It has been tight for the past 4 years, but she is now done and working 2 jobs. (like me LOL!) |
Member Payment Dependent Notes Series 1403046
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403046 |
$21,000 |
$21,000 |
12.12% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403046. Member loan 1403046 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $12,333 / month |
Current employer: | N/A | Debt-to-income ratio: | 19.69% |
Length of employment: | 10+ years | Location: | Washington, DC |
Home town: | |||
Current & past employers: | N/A | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > The purpose of the loan is to refinance revolving debt to reduce interest.<br>
A credit bureau reported the following information about this borrower member on July 4, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $77,076.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 83.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1403076
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403076 |
$30,000 |
$30,000 |
15.31% |
1.00% |
July 23, 2012 |
July 30, 2017 |
July 30, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403076. Member loan 1403076 was requested on July 16, 2012 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: | city of novi | Debt-to-income ratio: | 20.82% |
Length of employment: | 10+ years | Location: | WHITE LAKE, MI |
Home town: | |||
Current & past employers: | city of novi | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/16/12 > This loan will be used to pay off credit card debt.<br>
A credit bureau reported the following information about this borrower member on July 15, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $72,455.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1403273
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403273 |
$9,750 |
$9,750 |
11.14% |
1.00% |
July 19, 2012 |
July 18, 2015 |
July 18, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403273. Member loan 1403273 was requested on July 4, 2012 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: | Village of greenwich | Debt-to-income ratio: | 27.04% |
Length of employment: | < 1 year | Location: | WILLARD, OH |
Home town: | |||
Current & past employers: | Village of greenwich | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/04/12 > Pay off credit card debt and motorcycle loan<br><br> Borrower added on 07/05/12 > currently pay around $460 a month for the credit card debt and motorcycle payment! I have never been late on a payment and money will be paid back in full! thanks<br>
A credit bureau reported the following information about this borrower member on July 4, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2006 | 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: | $1,627.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1033 currently give a little on food! |
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 three credit cards with credit lines of $3700 $450 $500 and i owe around 2649.56 on all three and my motorcycle i currently have a loan on and would like to pay it off and sell to return payment on loan! its just hard to sell motorcycle with loan got to go through too many steps! hope this helps !credit card interest rates vary from 11% to 25% never have made a late payment on anything! between credit cards and motorcycle i currently pay around $460 a month. |
Member Payment Dependent Notes Series 1403299
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403299 |
$7,000 |
$7,000 |
6.62% |
1.00% |
July 23, 2012 |
July 18, 2015 |
July 18, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403299. Member loan 1403299 was requested on July 4, 2012 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: | Lackmann Compass | Debt-to-income ratio: | 25.53% |
Length of employment: | 10+ years | Location: | Woodside, NY |
Home town: | |||
Current & past employers: | Lackmann Compass | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > This loan is to basically pay off some debt and hopefully take a small vacation.<br>
A credit bureau reported the following information about this borrower member on July 4, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 81 |
Revolving Credit Balance: | $8,328.00 | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses sit around $2300. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I try to keep all of my balances as low as possible depending on my budget. My interest rate also remain low because of my excellent credit. |
Please explain the reason why you carry a large revolving credit balance. | If I'm not mistaken, having a revolving balance is actually good for one's credit history so I try to keep some at all times. I always pay my monthly bills on-time so it really does not phase me. Other than that, the highest revolving balance I have is my vehicle. |
Member Payment Dependent Notes Series 1403327
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403327 |
$20,675 |
$20,675 |
23.28% |
1.00% |
July 20, 2012 |
July 20, 2017 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403327. Member loan 1403327 was requested on July 6, 2012 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: | new york life insurance company | Debt-to-income ratio: | 16.13% |
Length of employment: | 1 year | Location: | CANTON, MI |
Home town: | |||
Current & past employers: | new york life insurance 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 July 4, 2012:
Credit Score Range: | 660-678 | 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: | 24 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,629.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.00% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 900 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | loan balance of 12,300 with monthly payment of 290. credit card balances total of 14,900 with total monthly payments of 410. interest rates are between 20 to 29 percent. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | loan balance of 12,300 with monthly payment of 290. credit card balances total of 14,900 with total monthly payments of 410. interest rates are between 20 to 29 percent. |
What is your intended use for the loan proceeds? | pay debts |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | loan balance of 12,300 with monthly payment of 290. credit card balances total of 14,900 with total monthly payments of 410. interest rates are between 20 to 29 percent. |
Which debts do you plan to pay off with this loan? | credit cards and loan |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | loan balance of 12,300 with monthly payment of 290. credit card balances total of 14,900 with total monthly payments of 410. interest rates are between 20 to 29 percent. |
Please explain the reason why you carry a large revolving credit balance. | True i have a large credit balance, but if you look at my credit history report i have not missed or been late with a payment in over 14 years. And with this loan i would pay off the balances, i would rather have one payment a month to lending club then 5 different payments. The reasons why i have a large credit balance, well there could be many reasons, one i tore my acl in my left knee and needed to pay some medical bills. |
Please explain the reason why you carry a large revolving credit balance. | True i have a large credit balance, but if you look at my credit history report i have not missed or been late with a payment in over 14 years. And with this loan i would pay off the balances, i would rather have one payment a month to lending club then 5 different payments. The reasons why i have a large credit balance, well there could be many reasons, one i tore my acl in my left knee and needed to pay some medical bills. |
Member Payment Dependent Notes Series 1403580
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403580 |
$22,500 |
$22,500 |
23.83% |
1.00% |
July 18, 2012 |
July 18, 2017 |
July 18, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403580. Member loan 1403580 was requested on July 4, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,200 / month |
Current employer: | Broward Sheriff | Debt-to-income ratio: | 7.63% |
Length of employment: | 10+ years | Location: | ROYAL PALM BEACH, FL |
Home town: | |||
Current & past employers: | Broward Sheriff | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/04/12 > We are planning to complete the fencing around our property (2.5 acres), install hurricane shutters (save on homeowner's insurance), and enclose our back porch area.<br><br> Borrower added on 07/05/12 > Fencing (our property is 2.5 acres), hurricane shutters, & upgrade/enclosure to rear porch.<br>
A credit bureau reported the following information about this borrower member on July 4, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 39 |
Revolving Credit Balance: | $6,405.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 81.10% | 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 monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | $1945 includes mortgage, taxes, & insurance. No home equity/line of credit. All utilities (elec, water, phone, cable, etc) are $440. |
What is the home improvement project you are planning? | Fencing (property is 2.5 acres), hurricane shutters, & upgrades/enclosure on rear porch. |
Is the improvement to your primary residence or an investment property? | Primary residence. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1945 (mort, tax, ins), all util (phone, cable, water, etc) is $465/mo, health ins is $60/mo, food/groceries is $750 (approx), trans (pmt, ins, fuel, & tolls) is $540/mo. |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | $1945 for mort, tax, and ins. No HELOC. Balance is $198, int is 4.65. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1945 (mort, tax, ins), all util (phone, cable, water, etc) is $465/mo, health ins is $60/mo, food/groceries is $750 (approx), trans (pmt, ins, fuel, & tolls) is $540/mo. |
Member Payment Dependent Notes Series 1403592
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403592 |
$12,000 |
$12,000 |
15.31% |
1.00% |
July 23, 2012 |
July 18, 2015 |
July 18, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403592. Member loan 1403592 was requested on July 4, 2012 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: | bayer interventional | Debt-to-income ratio: | 31.05% |
Length of employment: | 4 years | Location: | minneapolis, MN |
Home town: | |||
Current & past employers: | bayer interventional | ||
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 4, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2002 | 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: | $22,562.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 90.20% | 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 3-350, car payment and renters and car insurance 300,utilities food etc 350 i live with aunt and sister |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | interest rates from 16- 24% on most cards .. 1 loan for car balance aout 3500 |
Please explain the reason why you carry a large revolving credit balance. | This is the reason for the loan, to get rid of most of them . to consolidate them |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent 3-350, car payment and renters and car insurance 300,utilities food etc 350 i live with aunt and sister |
Please explain the reason why you carry a large revolving credit balance. | This is the reason for the loan, to get rid of most of them . to consolidate them |
Which debts do you plan to pay off with this loan? | credi cards |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent 3-350, car payment and renters and car insurance 300,utilities food etc 350 i live with aunt and sister |
Member Payment Dependent Notes Series 1403815
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403815 |
$28,000 |
$28,000 |
21.00% |
1.00% |
July 20, 2012 |
July 19, 2017 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403815. Member loan 1403815 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,042 / month |
Current employer: | Heinzerling Foundation | Debt-to-income ratio: | 23.26% |
Length of employment: | 10+ years | Location: | Columbus, OH |
Home town: | |||
Current & past employers: | Heinzerling Foundation | ||
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 5, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | 21 |
Revolving Credit Balance: | $24,342.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.20% | 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 |
Please explain the reason why you carry a large revolving credit balance. | WIFE HOSPITAL AND DOCTOR BILLS AND REMODEL HOUSE. FINALLY HAVE GOTTEN HER ON MY V.A.DISABILITY INSURANCE |
Member Payment Dependent Notes Series 1403829
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403829 |
$32,875 |
$32,875 |
7.90% |
1.00% |
July 20, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403829. Member loan 1403829 was requested on July 5, 2012 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: | National Institutes of Health | Debt-to-income ratio: | 9.80% |
Length of employment: | 3 years | Location: | washington, DC |
Home town: | |||
Current & past employers: | National Institutes of Health | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > The loan will pay off my credit card debt. I have been making additional payments for the last three years, but have not gotten the amounts down fully. The loan will allow me to pay off my debts in three years and be free!<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1985 | 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: | $37,698.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 43.10% | 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)? | My monthly expenses are $3580. This includes mortgage, line of credit, utilities and all tax and insurance. |
Please explain the reason why you carry a large revolving credit balance. | We ended up in debt in graduate school and were doing well until I got a new job in another state. We had to pay for two homes and the home we had was in a very depressed market. Despite having put $30,000 of improvements in our house, we lost a lot of money. We now are all together and working to get out of debt. |
Which debts do you plan to pay off with this loan? | We ended up in debt in graduate school and were doing well until I got a new job in another state. We had to pay for two homes and the home we had was in a very depressed market. Despite having put $30,000 of improvements in our house, we lost a lot of money. We now are all together and working to get out of debt. At the end of the three years, we will be debt free. |
Member Payment Dependent Notes Series 1403854
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403854 |
$9,725 |
$9,725 |
17.77% |
1.00% |
July 19, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403854. Member loan 1403854 was requested on July 5, 2012 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: | n/a | Debt-to-income ratio: | 2.81% |
Length of employment: | n/a | Location: | morrow, GA |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Hello, I am asking for this loan to improve my business.I am a owner-operator.My business generates good money.Although recently repairs have set me back.I am leased on with landstar Ranger and their great.I Will use the loan money to improve fuel economy,wear and tear and promote my own employees.<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2002 | 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: | $14,274.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 88.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1403889
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403889 |
$7,750 |
$7,750 |
12.12% |
1.00% |
July 20, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403889. Member loan 1403889 was requested on July 5, 2012 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: | Bruce Aerospace | Debt-to-income ratio: | 7.15% |
Length of employment: | 5 years | Location: | DAYTON, NV |
Home town: | |||
Current & past employers: | Bruce Aerospace | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > Home repairs/roof and plumbing<br>Car repairs /tires & tune up<br>Dental work not covered by insurance<br>Mini vacation/4 day wknd to visit daughter<br><br> Borrower added on 07/05/12 > Tell your story. What is your loan for?<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 679-713 | 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: | 15 | Months Since Last Delinquency: | 60 |
Revolving Credit Balance: | $18,848.00 | 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 |
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 aprox. $1600.00,12%ISH, APROX $25 PER MO ALWAYS PAY $50<br>M/C aprox. $1000.00,27%,APROX $25 PER MO ALWAYS PAY $50<br>M/C aprox. $ 500.00,27%,APROX $25 PER MO TRY TO PAY $50 |
Member Payment Dependent Notes Series 1403909
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403909 |
$35,000 |
$35,000 |
11.14% |
1.00% |
July 19, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403909. Member loan 1403909 was requested on July 6, 2012 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: | 11.56% |
Length of employment: | 10+ years | Location: | Glenwood, 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 07/06/12 > Build out of new leased space for optometrist office<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 42 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $29,550.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 22.20% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | around 2500/month |
Please explain the reason why you carry a large revolving credit balance. | Some of the balances are related to Business purchases |
Can you provide some high level financials on the monthly costs / revenue of your business? | Projections-Monthly/revenue<br>Rent 13% Payroll Dr vary-18.6%-23.1%<br>Ins 1.11% Cost of goods vary 5%-20%<br>Marketing 1.33% Utilities 3%<br>Office Overhead 5.0%<br>Payroll - Support staff 18% |
What do you project your monthly revenues for the first 6 months to be? | $135,000 |
What do you project your monthly expenses for the first 6 months of your business? | $118,000 |
What is your intended use for the loan proceeds? | To build out the new leased space for my optometric office |
Please describe your experience/familiarity with the business you are starting/started? | Not starting new business opening 2nd office<br>In business 15yrs |
Member Payment Dependent Notes Series 1403957
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403957 |
$10,000 |
$10,000 |
7.62% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403957. Member loan 1403957 was requested on July 6, 2012 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: | Louisiana Department of Justice | Debt-to-income ratio: | 21.00% |
Length of employment: | 3 years | Location: | Baton Rouge, LA |
Home town: | |||
Current & past employers: | Louisiana Department of Justice | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > I am consolidating a high-interest personal loan and a credit card. This will lower my monthly payments and interest rate. I will be debt-free in 2 years, sooner because I plan to aggressively pay this off.<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $312.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 8.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1403989
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1403989 |
$10,000 |
$10,000 |
13.11% |
1.00% |
July 24, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1403989. Member loan 1403989 was requested on July 5, 2012 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: | Stantec | Debt-to-income ratio: | 12.11% |
Length of employment: | 5 years | Location: | CINCINNATI, OH |
Home town: | |||
Current & past employers: | Stantec | ||
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 5, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2006 | 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: | $8,387.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | About 2000$ per 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 balances of about 8000$ with about 200$ in monthly payments, a car loan; no other debt balance |
Please explain the reason why you carry a large revolving credit balance. | had to make large purchases recently, and I am trying for a debt consolidation loan |
Member Payment Dependent Notes Series 1404086
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404086 |
$12,000 |
$12,000 |
15.31% |
1.00% |
July 18, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404086. Member loan 1404086 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,360 / month |
Current employer: | D.E.S. Nice Electric | Debt-to-income ratio: | 21.82% |
Length of employment: | 5 years | Location: | DOLORES, CO |
Home town: | |||
Current & past employers: | D.E.S. Nice Electric | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > I work full time. so i can provide for my family we are trying to get rid of our credit card debt and i feel this loan will help us stay focused on paying off our debt so we can better provide for our family and start saving collage funds. Thank you<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2007 | 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: | $11,905.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | we pay 450 for rent 85 for our phones all our utilites together are 300 our insurance is 210( renters insurance included) and with all our Credit cards together its 460 and then what ever left is foe food and thats around 200 a month |
Please explain the reason why you carry a large revolving credit balance. | i urt my hip when i was 18 and it was giving me a lot of trouble so to go it and get it adjusted at 45 $ dollars a pop 4 days a week for 6 monthes it adds up and then our car broke down and wwe need to fix that... ECCT... |
Which debts do you plan to pay off with this loan? | All our credit cards ( 5 ) of them |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | we have 5 credit cards all with an % rate over 21 percent our payments monthly for all our credit cards are around 450-470 a month |
Member Payment Dependent Notes Series 1404217
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404217 |
$5,000 |
$5,000 |
8.90% |
1.00% |
July 23, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404217. Member loan 1404217 was requested on July 5, 2012 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: | Purple Wine Company | Debt-to-income ratio: | 8.10% |
Length of employment: | 1 year | Location: | GUERNEVILLE, CA |
Home town: | |||
Current & past employers: | Purple Wine 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 July 5, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | 47 |
Revolving Credit Balance: | $4,106.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1404244
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404244 |
$8,300 |
$8,300 |
18.49% |
1.00% |
July 23, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404244. Member loan 1404244 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,750 / month |
Current employer: | Roach Ag Marketing, Ltd. | Debt-to-income ratio: | 34.96% |
Length of employment: | < 1 year | Location: | Delray Beach, FL |
Home town: | |||
Current & past employers: | Roach Ag Marketing, Ltd. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > Credit Card Refinancing<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,849.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.90% | 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 - $1,300<br>Transportation - $100<br>Utilities - $230<br>Food - $200<br>Insurance - $100 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $1,300<br>Transportation - $100<br>Utilities - $230<br>Food - $200<br>Insurance - $100 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $1,300<br>Transportation - $100<br>Utilities - $230<br>Food - $200<br>Insurance - $100 |
Member Payment Dependent Notes Series 1404264
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404264 |
$10,000 |
$10,000 |
21.98% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404264. Member loan 1404264 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $7,583 / month |
Current employer: | PRI | Debt-to-income ratio: | 33.73% |
Length of employment: | 5 years | Location: | Cranberry, PA |
Home town: | |||
Current & past employers: | PRI | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Funds intended for relocation expenses.<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 29 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $19,132.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 74.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1404273
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404273 |
$17,500 |
$17,500 |
8.90% |
1.00% |
July 20, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404273. Member loan 1404273 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $3,750 / month |
Current employer: | n/a | Debt-to-income ratio: | 3.71% |
Length of employment: | 7 years | Location: | Channelview, TX |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > Tell your story. What is your loan for?<br><br> Borrower added on 07/05/12 > The loan is for a property that I am currently paying to an owner. I want to liquidate that note with him at a lower rate and at faster pace. Thank You<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2001 | 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: | $11,887.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 30.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | to pay a property. |
Please explain the reason why you carry a large revolving credit balance. | income from my job. |
Member Payment Dependent Notes Series 1404391
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404391 |
$28,000 |
$28,000 |
21.98% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404391. Member loan 1404391 was requested on July 9, 2012 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: | Department of Energy - Chenega Global | Debt-to-income ratio: | 22.10% |
Length of employment: | 9 years | Location: | moriarty, NM |
Home town: | |||
Current & past employers: | Department of Energy - Chenega Global | ||
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 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 25 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 43 | Months Since Last Delinquency: | 2 |
Revolving Credit Balance: | $29,068.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 45.20% | 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 |
If you have a delinquency in the last 2 years, please explain the reason. | Not sure we have but if so it was because we were out of town or it just got lost in the paper shuffle. |
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 is ~$22,000 with monthly payment of $800. Some of the credit card debt is medical. The balance of the loan is to put in a new well because ours just went dry on July 3. We do have truck payments - $1500 per month and travel trailer payment $450. All credit lines are up to date and have been. We are just looking to get the credit card debt paid off quickly. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | We own the house - payment is $1032. Fuel ~ $250; utilities, cell phone, phone, tv ~ $400; insurance $178; food ~$450 |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | mortgage $800. interest, taxes, insurance $229 |
Which debts do you plan to pay off with this loan? | credit card debt that were used to cover unexpected expenses. |
Please explain the reason why you carry a large revolving credit balance. | They were used to cover some unexpected expenses. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | We own the house - payment is $1032. Fuel ~ $250; utilities, cell phone, phone, tv ~ $400; insurance $178; food ~$450 |
If you have a delinquency in the last 2 years, please explain the reason. | Not sure we have but if so it was because we were out of town or it just got lost in the paper shuffle. |
Member Payment Dependent Notes Series 1404413
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404413 |
$28,000 |
$28,000 |
7.90% |
1.00% |
July 20, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404413. Member loan 1404413 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $25,000 / month |
Current employer: | n/a | Debt-to-income ratio: | 3.13% |
Length of employment: | 6 years | Location: | Roswell, GA |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > using money to buy properties at reduced prices in this economy and then improving them if necessary and renting them out. I am a reliable borrower with stable employment, and the necessary experience to succeed with my new business. Thanks for the consideration.<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,783.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 18.00% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage- 1800<br>utilities- 400<br>insurance- 300<br>food- $1000<br>misc. expenses- $1000 |
What type of business are you starting? | using money to buy properties at reduced prices in this economy and then improving them if necessary and renting them out. I am a reliable borrower with stable employment, and the necessary experience to succeed with my new business. Thanks for the consideration. |
What do you project your monthly revenues for the first 6 months to be? | $5000 per month |
Member Payment Dependent Notes Series 1404445
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404445 |
$7,200 |
$7,200 |
14.09% |
1.00% |
July 20, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404445. Member loan 1404445 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,833 / month |
Current employer: | pinellas county school board | Debt-to-income ratio: | 17.30% |
Length of employment: | 10+ years | Location: | st petersburg, FL |
Home town: | |||
Current & past employers: | pinellas county school board | ||
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 5, 2012:
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: | n/a |
Revolving Credit Balance: | $3,801.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 56.70% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Appx..$1550 |
Will some or all of your moving expenses be reimbursed, if so how much? | None... |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Consolidation...$4000...moving...$2000...vacation...$1000 |
Member Payment Dependent Notes Series 1404507
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404507 |
$18,000 |
$18,000 |
18.75% |
1.00% |
July 20, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404507. Member loan 1404507 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $3,917 / month |
Current employer: | Mount Sinai Medical Center | Debt-to-income ratio: | 22.29% |
Length of employment: | 4 years | Location: | SECAUCUS, NJ |
Home town: | |||
Current & past employers: | Mount Sinai 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 5, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 11 |
Revolving Credit Balance: | $20,144.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 41.30% | 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)? | My current monthly expenses include:<br>Rent - No rental fees, I live with my parents<br>Transportation - 300<br>Phone - 30<br>Food - 200<br>Pet - 40 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses include:<br>Rent - No rental fees, I live with my parents<br>Transportation - 300<br>Phone - 30<br>Food - 200<br>Pet - 40 |
If you have a delinquency in the last 2 years, please explain the reason. | I have had no delinquencies with the last 2 years, all payments have been made on time. |
Which debts do you plan to pay off with this loan? | College bills and loans |
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, just consolidating college bills and loans. |
Which debts do you plan to pay off with this loan? | College bills and loans |
Member Payment Dependent Notes Series 1404523
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404523 |
$30,000 |
$30,000 |
21.98% |
1.00% |
July 23, 2012 |
July 19, 2017 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404523. Member loan 1404523 was requested on July 5, 2012 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: | Los Alamos National Lab | Debt-to-income ratio: | 20.10% |
Length of employment: | 10+ years | Location: | LOS ALAMOS, NM |
Home town: | |||
Current & past employers: | Los Alamos National Lab | ||
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 5, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 50 |
Revolving Credit Balance: | $32,090.00 | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Approx. 8k/month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Approx. 90k including car payment. Approx. 3k/month.<br><br>Mortgages approx. 3k/month. |
Please explain the reason why you carry a large revolving credit balance. | Very busy professional lifestyle, frequent travel. Credit makes life convenient. Just turned 50yrs old and starting to square away excessive debt. |
Which debts do you plan to pay off with this loan? | Chase Visa |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Approx. 90k including car payment. Approx. 3k/month.<br><br>Mortgages approx. 3k/month. |
Member Payment Dependent Notes Series 1404593
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404593 |
$16,000 |
$16,000 |
14.33% |
1.00% |
July 24, 2012 |
July 30, 2017 |
July 30, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404593. Member loan 1404593 was requested on July 16, 2012 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: | BRIGHTSTAR | Debt-to-income ratio: | 28.72% |
Length of employment: | 3 years | Location: | DORAL, FL |
Home town: | |||
Current & past employers: | BRIGHTSTAR | ||
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 16, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $18,620.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 36.20% | 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)? | CC1 11K, 2,100 and CC3 800. Interes rates varies from 14% CC1 to 21% CC2 Sears Card. Montly payments for my car total 400 $<br>I have a deferred plan from GE money for 800 $ with a montly payment of 30$. <br>Car loan payments is 450$. |
Member Payment Dependent Notes Series 1404770
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404770 |
$5,000 |
$5,000 |
12.12% |
1.00% |
July 20, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404770. Member loan 1404770 was requested on July 5, 2012 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: | BJRH | Debt-to-income ratio: | 13.44% |
Length of employment: | 4 years | Location: | Coats, NC |
Home town: | |||
Current & past employers: | BJRH | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > To pay off some bills.<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | 14 |
Revolving Credit Balance: | $1,653.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 47.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses include rent, utilities, cell phone, car insurance, food, gas, credit cards, paying back payday, personal and student loans. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I'm really not sure about interest rates on current debt balances. I have four payday loans totalling $2,000 together; four personal loans totalling around $12,000; two credit cards totalling $1,250; two department store cards totalling $350; and one student loan for $4,000. |
If you have a delinquency in the last 2 years, please explain the reason. | When you are overwhelmed with expenses, sometimes your credit card is the only thing you rely on. Unfortunately I fell behind on a few payments. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I'm really not sure about interest rates on current debt balances. I have four payday loans totalling $2,000 together; four personal loans totalling around $12,000; two credit cards totalling $1,250; two department store cards totalling $350; and one student loan for $4,000. |
Member Payment Dependent Notes Series 1404775
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404775 |
$3,250 |
$3,250 |
16.29% |
1.00% |
July 19, 2012 |
July 24, 2017 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404775. Member loan 1404775 was requested on July 10, 2012 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: | carhartt | Debt-to-income ratio: | 21.03% |
Length of employment: | 2 years | Location: | WYANDOTTE, MI |
Home town: | |||
Current & past employers: | carhartt | ||
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 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,456.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 85.60% | Months Since Last Record: | 72 |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1404791
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404791 |
$1,500 |
$1,500 |
11.14% |
1.00% |
July 18, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404791. Member loan 1404791 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,467 / month |
Current employer: | us postal service | Debt-to-income ratio: | 16.44% |
Length of employment: | 10+ years | Location: | highlands ranch, CO |
Home town: | |||
Current & past employers: | us postal service | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > Home improvement-whole house fan<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 4 |
Total Credit Lines: | 78 | Months Since Last Delinquency: | 20 |
Revolving Credit Balance: | $67,278.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.20% | 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)? | 2200 |
What is the home improvement project you are planning? | whole house fan (attic fan) |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | $360,000 ($2200/mo approx) |
Member Payment Dependent Notes Series 1404809
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404809 |
$14,000 |
$14,000 |
6.62% |
1.00% |
July 20, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404809. Member loan 1404809 was requested on July 5, 2012 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: | south lake hospital | Debt-to-income ratio: | 17.20% |
Length of employment: | 6 years | Location: | Clermont, FL |
Home town: | |||
Current & past employers: | south lake 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 July 5, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1994 | 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: | $37,168.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 22.70% | 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 |
Which debts do you plan to pay off with this loan? | Credit cards...chase and citicard. |
Please explain the reason why you carry a large revolving credit balance. | We took out large for an important personal matter...one time loan. We've always payed all of our debts..ALWAYS. |
What is your intended use for the loan proceeds? | Pay off credit card debt by reducing our interest rates. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortagae 1600, Car 250, Phone,interent,cable 150. Car insurance 1200 yearly, 3 credit cards with totals of 18,000,12,000,5000. Food expense 300 monthly. Utilites 250 monthly average. No student loans. I've always paid all of my debts..ALWAYS. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Mortgage monthly 1600, Car monthly 250, utilities 250 monthly, Insurance car 1200 yearly, Phone internet and cable 150 monthly. Food 300 monthly. Three credit cards with totals of 18,000,12,000,5000. We've always paid our debts..ALWAYS. |
Please explain the reason why you carry a large revolving credit balance. | We took out large for an important personal matter...one time loan. We've always payed all of our debts..ALWAYS. |
Which debts do you plan to pay off with this loan? | Credit cards...chase and citicard. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgae 1600 monthly, Car 250 monthly, Utilities 250 monthly, food 300 monthly, Car Insurance 1200 monthly, Phone,internet cable 150 monthly. 3 credit cards with totals of 18,000, 12,000 and 5000 with an average interest rate of 15%. We always paid our debts..ALWAYS. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortagae 1600, Car 250, Phone,interent,cable 150. Car insurance 1200 yearly, 3 credit cards with totals of 18,000,12,000,5000. Food expense 300 monthly. Utilites 250 monthly average. No student loans. I've always paid all of my debts..ALWAYS. |
Please explain the reason why you carry a large revolving credit balance. | We took out large for an important personal matter...one time loan. We've always payed all of our debts..ALWAYS. |
Please explain the reason why you carry a large revolving credit balance. | We took out large for an important personal matter...one time loan. We've always payed all of our debts..ALWAYS. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | To reduce the interest rate on the credit card balances...currently on average our balances are 15%...Our goal is to elimate all debts...so the loan will go to pay high interest credit cars only. |
Which debts do you plan to pay off with this loan? | Credit cards...chase and citicard. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortagae 1600, Car 250, Phone,interent,cable 150. Car insurance 1200 yearly, 3 credit cards with totals of 18,000,12,000,5000. Food expense 300 monthly. Utilites 250 monthly average. No student loans. I've always paid all of my debts..ALWAYS. |
Member Payment Dependent Notes Series 1404928
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404928 |
$16,950 |
$16,950 |
21.98% |
1.00% |
July 18, 2012 |
July 19, 2017 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404928. Member loan 1404928 was requested on July 5, 2012 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: | Los Angeles County Fire Department | Debt-to-income ratio: | 21.36% |
Length of employment: | 5 years | Location: | Murrieta, CA |
Home town: | |||
Current & past employers: | Los Angeles County Fire Department | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > Stream-lining my debt<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $19,213.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 80.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 3000 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I hold three credit card balances that have around 5000 on them that I would like to consolidate |
Please explain the reason why you carry a large revolving credit balance. | home improvement |
Member Payment Dependent Notes Series 1404931
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404931 |
$18,600 |
$18,600 |
17.77% |
1.00% |
July 20, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404931. Member loan 1404931 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $29,333 / month |
Current employer: | n/a | Debt-to-income ratio: | 2.49% |
Length of employment: | 10+ years | Location: | Stanley, 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 6, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $34,192.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 78.10% | 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 the home improvement project you are planning? | We are planning on building an addition onto our existing home and installing an inground pool. |
Is the improvement to your primary residence or an investment property? | The improvement is to our primary residence. |
What is the home improvement project you are planning? | We are planning on building an addition onto our existing home and installing an inground pool. |
What is your intended use for the loan proceeds? | We are building an addition onto our primary residence and installing an in ground pool. |
What is the home improvement project you are planning? | We are planning on building an addition onto our existing home and installing an inground pool. |
Is the improvement to your primary residence or an investment property? | The improvement is to our primary residence. |
Is this for a home improvement you have already made, or one that you are planning to make? | This loan is intended for a planned home improvement addition and an in ground pool installation. |
Member Payment Dependent Notes Series 1404952
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1404952 |
$5,000 |
$5,000 |
7.90% |
1.00% |
July 18, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1404952. Member loan 1404952 was requested on July 5, 2012 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: | MEDICAB OF ROCHESTER | Debt-to-income ratio: | 3.08% |
Length of employment: | 10+ years | Location: | ROCHESTER, NY |
Home town: | |||
Current & past employers: | MEDICAB OF ROCHESTER | ||
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 5, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1988 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | 9 |
Revolving Credit Balance: | $3,779.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 16.00% | 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 |
If you have a delinquency in the last 2 years, please explain the reason. | I dont think I was ever late on any of past loan payments.I have been late on cable ,utility, credit cards cause of just plan laziness I guess! W ith all my loans I took alittle more serious! |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 1,200 dollars a month in expenses to all the above listed |
If you have a delinquency in the last 2 years, please explain the reason. | I dont think I was ever late on any of past loan payments.I have been late on cable ,utility, credit cards cause of just plan laziness I guess! W ith all my loans I took alittle more serious! |
Member Payment Dependent Notes Series 1405450
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1405450 |
$16,000 |
$16,000 |
21.98% |
1.00% |
July 24, 2012 |
July 24, 2017 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1405450. Member loan 1405450 was requested on July 10, 2012 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: | Cascade Designs | Debt-to-income ratio: | 27.02% |
Length of employment: | 9 years | Location: | BURIEN, WA |
Home town: | |||
Current & past employers: | Cascade Designs | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > This is a simple consolidation of credit card debt. I have never made a late payment on anything, and my credit report goes back perhaps 25 years. I am approaching a decade on my job and have had only one address change in the past 10 years.This loan will centralize and simplify my debt.<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $19,480.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 85.80% | 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)? | To close with this transaction:<br><br>Credit Cards (cumulative) Bal $14,825 Minimum Monthly $525 Avg Interest 22.35%<br>Pers. Loan Bal $1,950 Monthly $140 Interest 24.50%<br><br>To Retain:<br><br>Credit Cards (2) Bal $6700 Payments $145 Int 10.23%<br>Bank auto loan Bal $20,000 Payment $408 Int 7.99%<br>Rent Payment $700<br>No Lines of Credit<br>No Student Loans |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | To close with this transaction:<br><br>Credit Cards (cumulative) Bal $14,825 Minimum Monthly $525 Avg Interest 22.35%<br>Pers. Loan Bal $1,950 Monthly $140 Interest 24.50%<br><br>To Retain:<br><br>Credit Cards (2) Bal $6700 Payments $145 Int 10.23%<br>Bank auto loan Bal $20,000 Payment $408 Int 7.99%<br>Rent Payment $700<br>No Lines of Credit<br>No Student Loans |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | To close with this transaction:<br><br>Credit Cards (cumulative) Bal $14,825 Minimum Monthly $525 Avg Interest 22.35%<br>Pers. Loan Bal $1,950 Monthly $140 Interest 24.50%<br><br>To Retain:<br><br>Credit Cards (2) Bal $6700 Payments $145 Int 10.23%<br>Bank auto loan Bal $20,000 Payment $408 Int 7.99%<br>Rent Payment $700<br>No Lines of Credit<br>No Student Loans |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | To close with this transaction:<br><br>Credit Cards (cumulative) Bal $14,825 Minimum Monthly $525 Avg Interest 22.35%<br>Pers. Loan Bal $1,950 Monthly $140 Interest 24.50%<br><br>To Retain:<br><br>Credit Cards (2) Bal $6700 Payments $145 Int 10.23%<br>Bank auto loan Bal $20,000 Payment $408 Int 7.99%<br>Rent Payment $700<br>No Lines of Credit<br>No Student Loans |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $700, utilities $100, medical covered, phone $55, gas $100-150, auto insurance semiannual about $450, food $200-300. Total monthly varies between $1150 and $1350 |
Please explain the reason why you carry a large revolving credit balance. | Primary charges stem from extensive necessary dental work a number of years ago that went far beyond my $1500 annual coverage limit. On a smaller scale, my oldest daughter's wedding, and helping my middle girl and her husband through a difficult but successful pregnancy. Beyond that, would just be the usual little purchases that can add up over time. |
Which debts do you plan to pay off with this loan? | All debt with the exception of my low interest credit union visa card and my auto loan |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | To close with this transaction:<br><br>Credit Cards (cumulative) Bal $14,825 Minimum Monthly $525 Avg Interest 22.35%<br>Pers. Loan Bal $1,950 Monthly $140 Interest 24.50%<br><br>To Retain:<br><br>Credit Cards (2) Bal $6700 Payments $145 Int 10.23%<br>Bank auto loan Bal $20,000 Payment $408 Int 7.99%<br>Rent Payment $700<br>No Lines of Credit<br>No Student Loans |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | To close with this transaction:<br><br>Credit Cards (cumulative) Bal $14,825 Minimum Monthly $525 Avg Interest 22.35%<br>Pers. Loan Bal $1,950 Monthly $140 Interest 24.50%<br><br>To Retain:<br><br>Credit Cards (2) Bal $6700 Payments $145 Int 10.23%<br>Bank auto loan Bal $20,000 Payment $408 Int 7.99%<br>Rent Payment $700<br>No Lines of Credit<br>No Student Loans |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $700, utilities $100, medical covered, phone $55, gas $100-150, auto insurance semiannual about $450, food $200-300. Total monthly varies between $1150 and $1350 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | To close with this transaction:<br><br>Credit Cards (cumulative) Bal $14,825 Minimum Monthly $525 Avg Interest 22.35%<br>Pers. Loan Bal $1,950 Monthly $140 Interest 24.50%<br><br>To Retain:<br><br>Credit Cards (2) Bal $6700 Payments $145 Int 10.23%<br>Bank auto loan Bal $20,000 Payment $408 Int 7.99%<br>Rent Payment $700<br>No Lines of Credit<br>No Student Loans |
Member Payment Dependent Notes Series 1405544
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1405544 |
$5,300 |
$5,300 |
15.31% |
1.00% |
July 20, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1405544. Member loan 1405544 was requested on July 7, 2012 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: | GRM info management | Debt-to-income ratio: | 12.95% |
Length of employment: | 2 years | Location: | Miami, FL |
Home town: | |||
Current & past employers: | GRM info management | ||
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 7, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2008 | 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: | $8,054.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | only pay the rent because livin with my mother and girlfriend soo i pay rent my mother pay other something as phone .food .floridad power light.my girlfriend pay insurance car .We share the bills.. i pay the rent 1000.00 monthly |
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 is $ 5300 and interest 22.99% |
Please explain the reason why you carry a large revolving credit balance. | because i bought a car.and the interes is very high |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | only pay the rent because livin with my mother and girlfriend soo i pay rent my mother pay other something as phone .food .floridad power light.my girlfriend pay insurance car .We share the bills.. i pay the rent 1000.00 monthly |
Which debts do you plan to pay off with this loan? | everything |
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 is $ 5300 and interest 22.99% |
Member Payment Dependent Notes Series 1405605
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1405605 |
$3,000 |
$3,000 |
13.11% |
1.00% |
July 23, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1405605. Member loan 1405605 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,542 / month |
Current employer: | Florida Atlantic University | Debt-to-income ratio: | 11.63% |
Length of employment: | 8 years | Location: | Lake Worth, FL |
Home town: | |||
Current & past employers: | Florida Atlantic University | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > Moving expenses related to a same-city relocation from a shared-dwelling to a 1 bed/1 bath home. I don't drink or smoke and I'm very clean and have decided that I would prefer to live alone and would use this money to help with the costs associated with such a transition.<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 2 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 5 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 0.30% | 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)? | Car $409, Rent (incl all..$475), Cell $60, Car Insr $110, TV/Internet $175, Food $250, Gas $100. |
Will some or all of your moving expenses be reimbursed, if so how much? | No, this is a local move within the county for relocation only. I will remain with the same employer, approaching eight years now. |
Member Payment Dependent Notes Series 1405627
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1405627 |
$18,000 |
$18,000 |
12.12% |
1.00% |
July 23, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1405627. Member loan 1405627 was requested on July 9, 2012 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: | Pacific Rail Services | Debt-to-income ratio: | 23.34% |
Length of employment: | 4 years | Location: | MOUNT HOLLY, NJ |
Home town: | |||
Current & past employers: | Pacific Rail Services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I using it to consolidate credit card bills.<br><br> Borrower added on 07/11/12 > I'm using it to consolidate credit card bills.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | 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: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $16,145.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 45.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My mortgage is 1500, utlilities 240, cell phone 60, insurance (car, health, life) 750, food about 600. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My total credit card balance is roughly the amount I requested. The interest rates range from 12 - 19%, I have no student loans or lines of credit and my mortgage is 1500 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)? | My mortgage is 1500 a month, I have no home equity loans or lines of credit, my utility bill is 240 a month, my total insurance cost is roughly 750 a month (car, life, health) and my yearly taxes are 3900. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My total credit card balance is roughly the amount I requested. The interest rates range from 12 - 19%, I have no student loans or lines of credit and my mortgage is 1500 a month. |
Member Payment Dependent Notes Series 1405667
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1405667 |
$35,000 |
$35,000 |
17.27% |
1.00% |
July 23, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1405667. Member loan 1405667 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $16,583 / month |
Current employer: | GE Aviation | Debt-to-income ratio: | 12.68% |
Length of employment: | 10+ years | Location: | Liberty township, OH |
Home town: | |||
Current & past employers: | GE Aviation | ||
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 5, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $35,907.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.40% | 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 monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | $4200 |
Please explain the reason why you carry a large revolving credit balance. | Accumulated over time |
Which debts do you plan to pay off with this loan? | Chase visa, Discover, US Bank |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $4200 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 21k Chase Visa, 6k Discover 6k US Bank Visa, 2 GE Card. pay 500, 400,400 and 100 monthly. |
Please explain the reason why you carry a large revolving credit balance. | Accumulated over time |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 21k Chase Visa, 6k Discover 6k US Bank Visa, 2 GE Card. pay 500, 400,400 and 100 monthly. |
Please explain the reason why you carry a large revolving credit balance. | Accumulated over time |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 21k Chase Visa, 6k Discover 6k US Bank Visa, 2 GE Card. pay 500, 400,400 and 100 monthly. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $4200 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 21k Chase Visa, 6k Discover 6k US Bank Visa, 2 GE Card. pay 500, 400,400 and 100 monthly. |
What is your intended use for the loan proceeds? | Pay off credit card loans. Consolidate to one monthly payment with lower interest and balance pay off. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 21k Chase Visa, 6k Discover 6k US Bank Visa, 2 GE Card. pay 500, 400,400 and 100 monthly. |
Which debts do you plan to pay off with this loan? | Chase visa, Discover, US Bank |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Credit card consolidation. Chase 21k, US Bank 6k, Discover 6k, GE Money 2k. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 21k Chase Visa, 6k Discover 6k US Bank Visa, 2 GE Card. pay 500, 400,400 and 100 monthly. |
Member Payment Dependent Notes Series 1405823
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1405823 |
$3,825 |
$3,825 |
7.90% |
1.00% |
July 19, 2012 |
July 19, 2015 |
July 19, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1405823. Member loan 1405823 was requested on July 5, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $3,750 / month |
Current employer: | Be Broken Ministries Inc | Debt-to-income ratio: | 2.05% |
Length of employment: | 9 years | Location: | San Antonio, TX |
Home town: | |||
Current & past employers: | Be Broken Ministries Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/05/12 > I have a high interest cc I want to pay off. Also have some building projects to finish around our house & want to get the money to knock those out (a concrete entryway & decking off the back porch). Feel free to ask any questions.<br>
A credit bureau reported the following information about this borrower member on July 5, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 2 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,566.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 17.10% | 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)? | Current monthly expenses are between $3200-$3500. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | $2450 will be used to pay off a higher interest credit card. The remaining amount will be used to finish some building projects around our house; primarily decking to adjoin one porch to another and some concrete work for an entryway to the front of the house. |
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: $850<br>Utilities: $200<br>Insurance: $60<br>Taxes: $200 |
Please explain the reason why you carry a large revolving credit balance. | We usually don't carry a credit balance. We spent 3 years building our house (literally building it ourselves). We used the cc to purchase some larger finish items (fridge, oven, stove, etc). We found Lending Club and saw the lower interest rate, so jumped on it to see if we could lower payments and knock out the last 2 projects (concrete entryway and back decking). |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | House payment: $850/mo<br>Insurance: $700/yr<br>Taxes: $2000/yr<br>Utilities: $200/mo |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | $2450 will be used to pay off a higher interest credit card. The remaining amount will be used to finish some building projects around our house; primarily decking to adjoin one porch to another and some concrete work for an entryway to the front of the house. |
Please provide additional details regarding the purpose of the loan. | Pay off higher interest rate cc: $2500<br>Use remaining amount of loan to finish decorative concrete entryway and build decking between our two back porches. These are the last 2 projects to finish on a house we have been building for over 3 years (literally building it ourselves). |
Member Payment Dependent Notes Series 1405855
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1405855 |
$24,000 |
$24,000 |
7.90% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1405855. Member loan 1405855 was requested on July 8, 2012 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: | SmithAmundsen | Debt-to-income ratio: | 4.01% |
Length of employment: | 4 years | Location: | CHICAGO, IL |
Home town: | |||
Current & past employers: | SmithAmundsen | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I plan to use this loan to assist in the sale of my existing condo and for minor home repairs on a new home.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | 33 |
Revolving Credit Balance: | $3,724.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 9.70% | 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)? | Our expenses are a rental for $1700/month, utilities of about $200/month, cell phone (paid for my our employers) and childcare ($1000/month). We have some minor student loans, but no other existing debt. |
What is your intended use for the loan proceeds? | We plan to use the loan for a deficiency sale on our condo. Due to a job relocation, we are offered a certain amount of money towards close by our new employer. This loan is to make up the difference. Selling is a better option for us financially. |
What is your intended use for the loan proceeds? | We plan to use the loan for a deficiency sale on our condo. Due to a job relocation, we are offered a certain amount of money towards close by our new employer. This loan is to make up the difference. Selling is a better option for us financially. |
Please provide additional details regarding the purpose of the loan. | We are using it for a deficiency sale on our condo. It is more economical for us to sell our condo now versus rent it out for the long term. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Rent will be $1700/month. No existing loans except for minor student loans (about $700/month). Utilities are about $250/month. Life insurance for both of us is $250/month. |
Member Payment Dependent Notes Series 1405983
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1405983 |
$5,000 |
$5,000 |
13.11% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1405983. Member loan 1405983 was requested on July 6, 2012 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: | International ballet | Debt-to-income ratio: | 11.46% |
Length of employment: | 8 years | Location: | Greenville, SC |
Home town: | |||
Current & past employers: | International ballet | ||
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 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2001 | 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: | $12,002.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.80% | 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? | Need extra cash to spare thanks |
Member Payment Dependent Notes Series 1406053
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406053 |
$12,000 |
$12,000 |
7.90% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406053. Member loan 1406053 was requested on July 6, 2012 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: | State Bar of Georgia | Debt-to-income ratio: | 23.43% |
Length of employment: | 7 years | Location: | McDonough, GA |
Home town: | |||
Current & past employers: | State Bar of Georgia | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > Debt Free in 3!!! I am on track to take over my money and tell it what to do for me! Instead of it controlling my life. This loan will allow all my debt except my car and home to be in one payment.<br><br> Borrower added on 07/16/12 > I am on a plan that has me completely debt free in 7 years. In the 3 years that I will be paying on this loan, I will also be paying of my car loan. The remaining 4 years my focus will be to pay off my mortgage.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1994 | 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: | $10,588.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 77.30% | 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 repect this question, however I am not comfortable in answering in detail via this forum.<br>I will tell you all the debt is credit cards and a personal loan that covered a weight-loss program which totals to about 12,300. I now make a total of around $500 in monthly payemnts with no end is sight to pay them off. Once I use this loan to pay them off, I am closing them to prevent further debt build-up.<br>My interest rate are 14.99, 19.99, 22.99. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | power is $120 monthly year round<br>water & sewer is $25-$30 veries monthly<br>gas is $35 monthly year around<br>mortgage with insurance and taxes is $640<br>HOA fee is $150 yearly - usally paid for out of my income refund check<br>car loan is $400 monthly for 31 more months<br>car insurance is $55 monthly<br>I turned off my phone, internet, cable, alarm system mointering, newspaper and gym membership in order to pay more towards debt. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | mortgage with insurance and taxes is $640<br>HOA fee is $150 yearly - usally paid for out of my income refund check<br>power is $120 monthly year round<br>water & sewer is $25-$30 veries monthly<br>gas is $35 monthly year around<br>I turned off my phone, internet, cable, alarm system mointering, newspaper and gym membership in order to pay more towards debt. |
Member Payment Dependent Notes Series 1406201
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406201 |
$18,250 |
$18,250 |
21.00% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406201. Member loan 1406201 was requested on July 9, 2012 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: | Professional Home Health | Debt-to-income ratio: | 23.07% |
Length of employment: | 5 years | Location: | Vian, OK |
Home town: | |||
Current & past employers: | Professional Home Health | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I would like to pay off high interest credit cards and have one payment which can be paid off in a reasonable amount of time.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 24 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 48 | Months Since Last Delinquency: | 30 |
Revolving Credit Balance: | $10,262.00 | 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 are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have several credit cards that have 29% interest. I would like to pay off those. Also I have a personal loan of 4000 that has a very high interest I would like to pay off. The total of all is approx. 17,000 which does not include my mortgage. My mortgage balance is 83,000 which will be paid off in 9 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 several credit cards that have 29% interest. I would like to pay off those. Also I have a personal loan of 4000 that has a very high interest I would like to pay off. The total of all is approx. 17,000 which does not include my mortgage. My mortgage balance is 83,000 which will be paid off in 9 years. |
Which debts do you plan to pay off with this loan? | I plan on paying off all debts except my mortgage. My goal is to be debt free in 3 years except my mortgage. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have several credit cards that have 29% interest. I would like to pay off those. Also I have a personal loan of 4000 that has a very high interest I would like to pay off. The total of all is approx. 17,000 which does not include my mortgage. My mortgage balance is 83,000 which will be paid off in 9 years. |
Which debts do you plan to pay off with this loan? | I plan on paying off all debts except my mortgage. My goal is to be debt free in 3 years except my mortgage. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have several credit cards that have 29% interest. I would like to pay off those. Also I have a personal loan of 4000 that has a very high interest I would like to pay off. The total of all is approx. 17,000 which does not include my mortgage. My mortgage balance is 83,000 which will be paid off in 9 years. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage-904, electric and water 150, phone 100, car paid for, gas 150/mon, insurance 50/mon, food 400/mon. The other expenses are several credit cards and a personal loan that I want to pay off. I am wanting to be debt free in 3 years except for my mortgage. I would like to go back to school and get my BSN in nursing but want to get my finances straight first. That is my goal. I appreciate any help that is offered. |
Which debts do you plan to pay off with this loan? | I plan on paying off all debts except my mortgage. My goal is to be debt free in 3 years except my mortgage. |
If you have a delinquency in the last 2 years, please explain the reason. | I do not have any delinquencies that I am aware of. I try to pay on time even if it is minimum. I am wanting to pay off everything and just have one payment. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Mortgage is 904 which includes insurance and taxes. Electric average is 150-200/month. Food is approx 300-400/month. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage-904, electric and water 150, phone 100, car paid for, gas 150/mon, insurance 50/mon, food 400/mon. The other expenses are several credit cards and a personal loan that I want to pay off. I am wanting to be debt free in 3 years except for my mortgage. I would like to go back to school and get my BSN in nursing but want to get my finances straight first. That is my goal. I appreciate any help that is offered. |
Member Payment Dependent Notes Series 1406210
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406210 |
$6,000 |
$6,000 |
11.14% |
1.00% |
July 20, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406210. Member loan 1406210 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,800 / month |
Current employer: | Military | Debt-to-income ratio: | 16.37% |
Length of employment: | 10+ years | Location: | Hahira, GA |
Home town: | |||
Current & past employers: | Military | ||
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 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 40 |
Revolving Credit Balance: | $14,574.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 82.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1406241
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406241 |
$8,400 |
$8,400 |
14.33% |
1.00% |
July 20, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406241. Member loan 1406241 was requested on July 13, 2012 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: | Bravo/Brio Restaruant Group | Debt-to-income ratio: | 18.65% |
Length of employment: | 1 year | Location: | Danbury, CT |
Home town: | |||
Current & past employers: | Bravo/Brio Restaruant Group | ||
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 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | 12 |
Revolving Credit Balance: | $26,903.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
Member Payment Dependent Notes Series 1406262
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406262 |
$2,025 |
$2,025 |
14.09% |
1.00% |
July 23, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406262. Member loan 1406262 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,703 / month |
Current employer: | Medical University of SC | Debt-to-income ratio: | 16.23% |
Length of employment: | 2 years | Location: | NORTH CHARLESTON, SC |
Home town: | |||
Current & past employers: | Medical University of SC | ||
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 6, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 42 |
Revolving Credit Balance: | $1,276.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.00% | 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)? | Rent 380, phone 99, utilities 150, insurance included in my benefits at work. |
What is your intended use for the loan proceeds? | To consolidate debt and increase my credit score. I want to pay off credit cards used in nursing school now that I have graduated and am working full-time. |
What is your intended use for the loan proceeds? | To consolidate debt and increase my credit score. I want to pay off credit cards used in nursing school now that I have graduated and am working full-time. |
Member Payment Dependent Notes Series 1406372
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406372 |
$11,325 |
$11,325 |
8.90% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406372. Member loan 1406372 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,833 / month |
Current employer: | Lineage Investments Inc DBA Worldwide Ex | Debt-to-income ratio: | 25.87% |
Length of employment: | 4 years | Location: | SHARPSBURG, GA |
Home town: | |||
Current & past employers: | Lineage Investments Inc DBA Worldwide Ex | ||
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 6, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1995 | 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: | $9,268.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1406387
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406387 |
$35,000 |
$35,000 |
21.00% |
1.00% |
July 23, 2012 |
July 20, 2017 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406387. Member loan 1406387 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $12,500 / month |
Current employer: | SPA Holdings LLC | Debt-to-income ratio: | 10.59% |
Length of employment: | 7 years | Location: | new york, NY |
Home town: | |||
Current & past employers: | SPA Holdings LLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > I have to pay off my AMEX and get my finances back on track<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1998 | 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: | $4,900.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.00% | 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)? | Current AMEX balance - approx $34,000<br>Daughter's College Loans approx $205,000 (presently deferred)<br>Chase Card $5000 <br>Mortgage monthly payment $2100 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current AMEX balance - approx $34,000<br>Daughter's College Loans approx $205,000 (presently deferred)<br>Chase Card $5000 <br>Mortgage monthly payment $2100 |
Member Payment Dependent Notes Series 1406393
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406393 |
$10,625 |
$10,625 |
10.16% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406393. Member loan 1406393 was requested on July 6, 2012 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: | Brooklyn Job Corps Academy | Debt-to-income ratio: | 7.31% |
Length of employment: | 1 year | Location: | BROOKLYN, NY |
Home town: | |||
Current & past employers: | Brooklyn Job Corps Academy | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > I would like to start up a new business and have a fresh start at life. First I will pay off some debt and begin investing in my craft. I'm so excited for the possibilities, thank you for the opportunity.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | 52 |
Revolving Credit Balance: | $8,081.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 28.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1406419
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406419 |
$5,400 |
$5,400 |
8.90% |
1.00% |
July 24, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406419. Member loan 1406419 was requested on July 6, 2012 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: | DOE NYC | Debt-to-income ratio: | 4.80% |
Length of employment: | < 1 year | Location: | Brooklyn, NY |
Home town: | |||
Current & past employers: | DOE NYC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > Funding for warehouse and freight for Import export business to Jamaica West Indies.<br><br> Borrower added on 07/06/12 > Funding for warehouse and freight for import export business.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | 76 |
Revolving Credit Balance: | $7,138.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 38.80% | 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 describe your experience/familiarity with the business you are starting/started? | I have worked in the business and financial sector as a corporate financial controller for 2 of the largest Fortune 500 companies. I have been involved in sales in Jamaica for many years experiencing strong sales since the start-up of our own company in 2011. Our company has found a niche in the business sector and we expect a 300% increase in sales for 2012 - 2013. We are developing warehousing strategies to increase the export of needed inventories for future growth. |
Member Payment Dependent Notes Series 1406526
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406526 |
$10,000 |
$10,000 |
19.72% |
1.00% |
July 23, 2012 |
July 20, 2017 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406526. Member loan 1406526 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,500 / month |
Current employer: | quapaw tribe | Debt-to-income ratio: | 9.10% |
Length of employment: | 10+ years | Location: | MIAMI, OK |
Home town: | |||
Current & past employers: | quapaw tribe | ||
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 6, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1998 | 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: | $7,902.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.00% | 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? | Credit card debt and medical bills |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 623 mortgage<br>95 cell phone<br>130. Electric bill<br>15 water bill<br>215 credit cards<br>100 medical bills<br>100 groceries<br>100 gas |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards. 8,000. Payments 215. Month<br>Mortgage. 623 month. 7 % interest<br>Balance 57,800<br>Medical bills. 100. Month. Balance 1000<br>Insurance. 225 per month<br>Sears card - no balance<br>Home depot - no balance |
Please explain the reason why you carry a large revolving credit balance. | Sears card and home depot were used to purchase appliances for our house when the old ones quit working. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Credit cards 8,000. & medical bills 1,500 |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | 623 a month includes insurance and taxes |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards. 8,000. Payments 215. Month<br>Mortgage. 623 month. 7 % interest<br>Balance 57,800<br>Medical bills. 100. Month. Balance 1000<br>Insurance. 225 per month<br>Sears card - no balance<br>Home depot - no balance |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 623 mortgage<br>95 cell phone<br>130. Electric bill<br>15 water bill<br>215 credit cards<br>100 medical bills<br>100 groceries<br>100 gas |
Which debts do you plan to pay off with this loan? | Credit card debt and medical bills |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards. 8,000. Payments 215. Month<br>Mortgage. 623 month. 7 % interest<br>Balance 57,800<br>Medical bills. 100. Month. Balance 1000<br>Insurance. 225 per month<br>Sears card - no balance<br>Home depot - no balance |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Credit cards 8,000. & medical bills 1,500 |
Member Payment Dependent Notes Series 1406544
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406544 |
$8,000 |
$8,000 |
14.09% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406544. Member loan 1406544 was requested on July 9, 2012 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: | Hanford Elementary School District | Debt-to-income ratio: | 21.51% |
Length of employment: | 10+ years | Location: | hanford, CA |
Home town: | |||
Current & past employers: | Hanford Elementary School District | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > We want to take a family vacation which we have not done for a long time and we thought this loan would help us accomplish this goal before school starts again.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | 10 |
Revolving Credit Balance: | $8,628.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 67.90% | 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 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 $ 1245. I pay insurance and taxes every six months and thats $1080. I don't have home equity loan or home line of credit. |
Please explain the reason why you carry a large revolving credit balance. | I was building up my credit and the open accounts are short term accounts that I cross as I finish paying them off. |
What is your intended use for the loan proceeds? | We are planning to take a family vacation which we have not done for a long time. This will be a significant event for us and we are looking forward to it. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I spend $1250 on mortgage and $190 on taxes and insurance, $200 on transport, $400 on utilities, internet and cell phone, $400 on food and $ 400 miscellaneous. |
If you have a delinquency in the last 2 years, please explain the reason. | I have not had any delinquent account in the last 2 years. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I spend $1250 on mortgage and $190 on taxes and insurance, $200 on transport, $400 on utilities, internet and cell phone, $400 on food and $ 400 miscellaneous. |
Member Payment Dependent Notes Series 1406549
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406549 |
$7,200 |
$7,200 |
6.62% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406549. Member loan 1406549 was requested on July 8, 2012 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: | L3 Insight Technology | Debt-to-income ratio: | 22.82% |
Length of employment: | 8 years | Location: | lowell, MA |
Home town: | |||
Current & past employers: | L3 Insight Technology | ||
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 6, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 32 |
Revolving Credit Balance: | $1,150.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 10.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses is around $1600.00. |
What are the estimated expenses? | It's around $1600.00. |
Member Payment Dependent Notes Series 1406564
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406564 |
$16,000 |
$16,000 |
7.90% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406564. Member loan 1406564 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $8,167 / month |
Current employer: | US Foods, Inc. | Debt-to-income ratio: | 19.97% |
Length of employment: | 7 years | Location: | Laveen, AZ |
Home town: | |||
Current & past employers: | US Foods, Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > Requesting a debt consolidation loan for expenses incurred as part of maintianing a second home as a rental property.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | 39 |
Revolving Credit Balance: | $14,763.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 42.30% | 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)? | About $3500/month in recurring expesnse.<br>$900 - House<br>$200 - Insurance<br>$475 - Car<br>$300 - Utilities avg.<br>$200 - Gas (transportation)<br>$750 - Current debt which loan will replace<br>$500 - Various 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)? | About $3500/month in recurring expesnse.<br>$900 - House<br>$200 - Insurance<br>$475 - Car<br>$300 - Utilities avg.<br>$200 - Gas (transportation)<br>$750 - Current debt which loan will replace<br>$500 - Various other expenses |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | About $3500/month in recurring expesnse.<br>$900 - House<br>$200 - Insurance<br>$475 - Car<br>$300 - Utilities avg.<br>$200 - Gas (transportation)<br>$750 - Current debt which loan will replace<br>$500 - Various other expenses |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | About $3500/month in recurring expesnse.<br>$900 - House<br>$200 - Insurance<br>$475 - Car<br>$300 - Utilities avg.<br>$200 - Gas (transportation)<br>$750 - Current debt which loan will replace<br>$500 - Various other expenses |
Member Payment Dependent Notes Series 1406572
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406572 |
$23,675 |
$23,675 |
7.62% |
1.00% |
July 20, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406572. Member loan 1406572 was requested on July 6, 2012 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: | level 3 communications | Debt-to-income ratio: | 20.60% |
Length of employment: | 10+ years | Location: | mahopac, NY |
Home town: | |||
Current & past employers: | level 3 communications | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > I currently have a loan with the lending club that i want to refinance for a lower interest rate and shorter pay off (3yrs instead of 5).<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 41 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,170.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 16.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1406591
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406591 |
$2,400 |
$2,400 |
19.72% |
1.00% |
July 24, 2012 |
July 20, 2017 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406591. Member loan 1406591 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,917 / month |
Current employer: | Charlotte Mecklenburg Schools | Debt-to-income ratio: | 21.17% |
Length of employment: | 5 years | Location: | FORT MILL, SC |
Home town: | |||
Current & past employers: | Charlotte Mecklenburg 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 6, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | 80 |
Revolving Credit Balance: | $11,514.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 94.40% | 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 using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | It is for two trips. One is a family reunion out of state so the money will go to hotel room and meals plus any site seeing my relatives may want to do. The second trip is a beach weekend (an actual vacation) before school starts up again in August. |
Member Payment Dependent Notes Series 1406639
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406639 |
$25,475 |
$25,475 |
7.62% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406639. Member loan 1406639 was requested on July 6, 2012 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: | Dr Steven Shandley | Debt-to-income ratio: | 15.53% |
Length of employment: | 10+ years | Location: | Sleepy Hollow, IL |
Home town: | |||
Current & past employers: | Dr Steven Shandley | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > PAYING DOWN DEBT GETTING FINANCIALY RESPONSIBLE<br><br> Borrower added on 07/11/12 > We had done home improvement projects and as time went more and more supplies were needed and put on credit cards. So we are putting all together and want that debt paid off and locked in with the same payment. Thank you<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1990 | 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: | $32,028.00 | 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 1406753
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406753 |
$15,000 |
$15,000 |
7.90% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406753. Member loan 1406753 was requested on July 6, 2012 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: | Andrews Lagasse Branch & Bell | Debt-to-income ratio: | 21.42% |
Length of employment: | 5 years | Location: | Spokane, WA |
Home town: | |||
Current & past employers: | Andrews Lagasse Branch & Bell | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > I need to consolidate some student debt.<br><br> Borrower added on 07/11/12 > I also want to add that I am a very responsible person with a steady job and I have always been able to repay any debts I have.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1972 | 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: | $12,778.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 33.40% | 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)? | I have approximately $75,000 in student loans - most of which are at an interest rate of 4-5%. About 15,000 of this debt is at a much higher rate - approximately 15%. That is the amount I would like to consolidate. |
Member Payment Dependent Notes Series 1406853
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406853 |
$11,700 |
$11,700 |
12.12% |
1.00% |
July 24, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406853. Member loan 1406853 was requested on July 6, 2012 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: | virginia mason medical center | Debt-to-income ratio: | 20.33% |
Length of employment: | < 1 year | Location: | BREMERTON, WA |
Home town: | |||
Current & past employers: | virginia mason medical center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > It would be for our five different credit cards that we pay monthly, but will take us years and years before we could pay it off. Credit cards we used as an emergency when my wife was pregnant.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2007 | 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: | $7,248.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 58.00% | 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)? | cellphone, car insurance, cable, car payments, and utilities |
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, best buy, and jc penney |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I would be paying $50 more with loan. my total is $330 |
Member Payment Dependent Notes Series 1406940
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1406940 |
$15,000 |
$15,000 |
11.14% |
1.00% |
July 23, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1406940. Member loan 1406940 was requested on July 6, 2012 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: | Jackcooper Transport | Debt-to-income ratio: | 26.58% |
Length of employment: | 8 years | Location: | Mountwashington, KY |
Home town: | |||
Current & past employers: | Jackcooper Transport | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > TO PAY OFF BILLS<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,347.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 58.80% | 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)? | Springleaf Financial 25.08% $156.38 $5,004,16 <br>OneMain Financial 26% $223.87 4,456.67<br>CareCredit 26.99% $25.00 $312.00<br>Home Depot 25.99% $109.00 $3,469.55<br>Sears Credit Card 20.40% $35.00 $1.100 |
Which debts do you plan to pay off with this loan? | Pay off all that I can |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1,500.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Springleaf Financial 25.08% $156.38 $5,004,16 <br>OneMain Financial 26% $223.87 4,456.67<br>CareCredit 26.99% $25.00 $312.00<br>Home Depot 25.99% $109.00 $3,469.55<br>Sears Credit Card 20.40% $35.00 $1.100 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Springleaf Financial 25.08% $156.38 $5,004,16 <br>OneMain Financial 26% $223.87 4,456.67<br>CareCredit 26.99% $25.00 $312.00<br>Home Depot 25.99% $109.00 $3,469.55<br>Sears Credit Card 20.40% $35.00 $1.100 |
Which debts do you plan to pay off with this loan? | Pay off all that I can |
Member Payment Dependent Notes Series 1407018
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407018 |
$16,000 |
$16,000 |
20.49% |
1.00% |
July 19, 2012 |
July 20, 2017 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407018. Member loan 1407018 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,417 / month |
Current employer: | Ingram Readymix Inc. | Debt-to-income ratio: | 23.02% |
Length of employment: | 10+ years | Location: | SUTHERLAND SPRINGS, TX |
Home town: | |||
Current & past employers: | Ingram Readymix Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Debt Consolidation.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | 62 |
Revolving Credit Balance: | $13,168.00 | 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 current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | FALLS CITY NAT. BANK/MORTGAGE-$58000.00/686.00 MO.ALAMO MUSIC-$1500.00/$100 MO.-BENEFICIAL FINANCE-2500.00/306.41 MO.-ONE FINANCIAL-8000.00/275.12 MO.-USAA MASTER CARD-4000.00/100.00 MO.-CONNS-2700.00/125.25 MO.-THE HOME DEPOT-300.00/25.00 MO. INTEREST RATES ALL AROUND 15 TO 20 % |
Which debts do you plan to pay off with this loan? | ALAMO MUSIC/BENEFICIAL FINANCE/HOME DEPOT/USAA MASTERCARD/CONNS |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage-686.00 mo/transportation-company truck/utilities-250.00 mo./phone-200.00 mo/insurance-250.00 a mo./food-300.00 mo. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | FALLS CITY NAT. BANK/MORTGAGE-$58000.00/686.00 MO.ALAMO MUSIC-$1500.00/$100 MO.-BENEFICIAL FINANCE-2500.00/306.41 MO.-ONE FINANCIAL-8000.00/275.12 MO.-USAA MASTER CARD-4000.00/100.00 MO.-CONNS-2700.00/125.25 MO.-THE HOME DEPOT-300.00/25.00 MO. INTEREST RATES ALL AROUND 15 TO 20 % |
Please explain the reason why you carry a large revolving credit balance. | It has accrued over time-that why I want to pay it off! |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | FALLS CITY NAT. BANK/MORTGAGE-$58000.00/686.00 MO.ALAMO MUSIC-$1500.00/$100 MO.-BENEFICIAL FINANCE-2500.00/306.41 MO.-ONE FINANCIAL-8000.00/275.12 MO.-USAA MASTER CARD-4000.00/100.00 MO.-CONNS-2700.00/125.25 MO.-THE HOME DEPOT-300.00/25.00 MO. INTEREST RATES ALL AROUND 15 TO 20 % |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | FALLS CITY NAT. BANK/MORTGAGE-$58000.00/686.00 MO.ALAMO MUSIC-$1500.00/$100 MO.-BENEFICIAL FINANCE-2500.00/306.41 MO.-ONE FINANCIAL-8000.00/275.12 MO.-USAA MASTER CARD-4000.00/100.00 MO.-CONNS-2700.00/125.25 MO.-THE HOME DEPOT-300.00/25.00 MO. INTEREST RATES ALL AROUND 15 TO 20 % |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | FALLS CITY NAT. BANK/MORTGAGE-$58000.00/686.00 MO.ALAMO MUSIC-$1500.00/$100 MO.-BENEFICIAL FINANCE-2500.00/306.41 MO.-ONE FINANCIAL-8000.00/275.12 MO.-USAA MASTER CARD-4000.00/100.00 MO.-CONNS-2700.00/125.25 MO.-THE HOME DEPOT-300.00/25.00 MO. INTEREST RATES ALL AROUND 15 TO 20 % |
Which debts do you plan to pay off with this loan? | ALAMO MUSIC/BENEFICIAL FINANCE/HOME DEPOT/USAA MASTERCARD/CONNS |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | It's going to be debt consolidation of at least 6 accounts which will reduce down to one account with the loan and reducing monthly payments by 250.00 to 300.00 a month, which now can be applied to savings and paying off my mortgage. |
Member Payment Dependent Notes Series 1407022
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407022 |
$25,450 |
$25,450 |
7.90% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407022. Member loan 1407022 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,333 / month |
Current employer: | Vista Real Public Charter | Debt-to-income ratio: | 16.50% |
Length of employment: | 5 years | Location: | Ventura, CA |
Home town: | |||
Current & past employers: | Vista Real Public Charter | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/16/12 > Debt consolidation – if my loan is fully funded, it will be a slight increase in monthly commitment, but more than worth it since ALL of it will be paid in 36 months.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $26,188.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 38.30% | 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 - $950<br>Car - $250<br>CC Payments - $760<br>Utilities - $745<br><br>Total - $2705<br><br>The Lending Club loan will replace the Credit Card payments that I am currently paying. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards: Bank of America $16,000 - 12.5% / Citibank $8000 - 19.9% / Chase $1,600 - 8.1%<br>Student Loan: $36800 - 3% (Federal)<br>TOTAL: $62400<br><br>Our goal is to eliminate the high interest credit card debt NOW, then by the time my student loans are due again, we will not have to worry about the cc debt. |
Please explain the reason why you carry a large revolving credit balance. | We have slowly incurred our debt over the past several years as we have become parents and I completed graduate school. As time passed we have been financial procrastinators by not taking care of our financial responsibilities as diligently and as necessary, or planning ahead effectively. We have attempted to shuffle our debt around for better initial interest rates, but in the end it has cost us several more thousand dollars. The Lending Club is a way to clean up and clear out our debt. |
Member Payment Dependent Notes Series 1407073
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407073 |
$10,625 |
$10,625 |
6.62% |
1.00% |
July 20, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407073. Member loan 1407073 was requested on July 7, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,542 / month |
Current employer: | Consumers Energy | Debt-to-income ratio: | 9.17% |
Length of employment: | 5 years | Location: | Jackson, MI |
Home town: | |||
Current & past employers: | Consumers Energy | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > This loan will be used to consolidate medical debt associated with my son's birth earlier this year. The hospital only allows payments over a 12 month period which makes the monthly payments total ~$800/month. With this loan, our monthly payments will be $476.23 ($326.23 + $150 for a smaller bill).<br><br> Borrower added on 07/07/12 > Our monthly budget is as follows: Home $1050, Food $500, Utilities $200, Phones $115, Internet $50, Car PMT $360, Ins (Auto + Life) $265, Student Loan $165, Additional Debt PMTs (excluding medical debt) $200, Daycare $275 and Entertainment/Misc $300. Total per month is $3480.<br><br> Borrower added on 07/07/12 > The balances of our additional debt are as follows: Car loan $17891 at 5.845% at $360/month, Student loan $15894 at 5.125% at $165/month, Best Buy $695 at 0% until 11/12, Amazon $605 at 0% until 6/13, and Lowes $545 at 0% until 10/13.<br><br> Borrower added on 07/07/12 > We have two large balances from mostly medical expenses on two credit cards, Citibank $3439.57 at 0% until 9/4/12 and Chase $3322.56 at 10.99%. The remaining medical bill balances are $3600 and $1530 with the hospital. The two credit cards and $3600 bill will be paid off with this loan.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2003 | 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: | $7,309.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 24.90% | 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)? | Monthly budget - Mortgage $1050 (taxes, ins, principle, interest), Food $500, Gas $200, Auto/Life Ins $265, Car PMT $360, Phones $120, Utilities $215 (water, gas, electricity), Student Loan $165, Daycare $290, Entertainment/Misc $400, Other Debt PMTs $280, and Medical Bills (main purpose of Lending Club loan) $800. For a total of $4645.<br><br>I pay for the daycare out of a flex fund and $275 of the medical bills out of an HSA. I reimbursed the entire $290/month for daycare in the following month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car $17,941 at 5.85% - $360/mon, Student Loan $15,891 - 5.125% at $165/mon, Citi Card (medical) $3440 at 0% 'til 9/12 then 9.99% - $60/mon, Chase Card $3325 (medical) at 10.99% - $100/mon, Best Buy $695 at 0% 'til 11/12 - $115/month, Amazon $605 at 0% 'til 7/13 - $50/mon, Lowes $540 at 0% 'til 2/14 - $40/mon, and Hospital $5100 at 0% with only 7 months left 'til it's due in full - $300/mon.<br><br>I will be using this loan to pay off the Citi and Chase credit cards and most of the Hospital bill. |
Member Payment Dependent Notes Series 1407119
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407119 |
$16,000 |
$16,000 |
11.14% |
1.00% |
July 24, 2012 |
July 20, 2017 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407119. Member loan 1407119 was requested on July 6, 2012 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: | Civil Service | Debt-to-income ratio: | 18.19% |
Length of employment: | 10+ years | Location: | Albany, GA |
Home town: | |||
Current & past employers: | Civil Service | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > Personal Loan request I am writing to request for a personal loan of $16000 from Lending Club. I need this loan to pay of (2) loans with APR rate above 27% to consolidate into one payment with a lower rate and payment.<br><br> Borrower added on 07/06/12 > Tell your story. What is your loan for?<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1994 | 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: | $11,802.00 | 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 are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My current debt expenses balances are listed as follows:<br><br>1. Discover Card - $9,900.00 balances , 26.95%, $357.00 monthly payment (Credit Cards)<br>2. Lowes - $437.95 balances, 21.76%, $75.00 monthly payments (Credit Cards) |
Which debts do you plan to pay off with this loan? | 1. Discover Card - $9,900.00 balances , 26.95%, $357.00 monthly payment (Credit Cards) |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses - $1895.00 monthly expenses |
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 expenses balances are listed as follows:<br><br>1. Discover Card - $9,900.00 balances , 26.95%, $357.00 monthly payment (Credit Cards)<br>2. Lowes - $437.95 balances, 21.76%, $75.00 monthly payments (Credit Cards) |
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 expenses balances are listed as follows:<br><br>1. Discover Card - $9,900.00 balances , 26.95%, $357.00 monthly payment (Credit Cards)<br>2. Lowes - $437.95 balances, 21.76%, $75.00 monthly payments (Credit Cards) |
Member Payment Dependent Notes Series 1407181
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407181 |
$8,800 |
$8,800 |
10.16% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407181. Member loan 1407181 was requested on July 9, 2012 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: | NASA | Debt-to-income ratio: | 13.84% |
Length of employment: | 5 years | Location: | HUNTSVILLE, AL |
Home town: | |||
Current & past employers: | NASA | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Money will be used to pay off the remainder of an auto loan and to pay off three credit cards.<br><br> Borrower added on 07/11/12 > Bill consolidation (payoff auto loan and three credit cards)<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 43 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $33,115.00 | 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? | Pay off an auto loan and three credit cards. This will save me approximately $2400 on interest, reduce overall monthly payments and will allow me the option of reducing the amount of my auto insurance from full coverage, to a tailored, lower amount. |
Please explain the reason why you carry a large revolving credit balance. | Education expenses and home repair costs |
Which debts do you plan to pay off with this loan? | Remainder of auto loan and three credit cards |
Member Payment Dependent Notes Series 1407376
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407376 |
$15,550 |
$15,550 |
17.77% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407376. Member loan 1407376 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,943 / month |
Current employer: | Wagner IHS Healthcare Facility | Debt-to-income ratio: | 6.76% |
Length of employment: | 10+ years | Location: | Wagner, SD |
Home town: | |||
Current & past employers: | Wagner IHS Healthcare Facility | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I am going to consolidate all of my credit card debts.<br><br> Borrower added on 07/10/12 > Tell your story. What is your loan for?<br><br> Borrower added on 07/11/12 > Consolidate credit cards, loans<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2000 | 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: | $8,354.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.90% | 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)? | Bill Me Later 19.99%<br>Household Bank 17.90%<br>Kohls 21.90%<br>HSBC 19.99%<br>Goodyear 29.49%<br>Chase 31.99%<br>Target 22.90%<br>Discover 0%<br>First American Crdt 19.99% |
What is your intended use for the loan proceeds? | Bill Me Later 19.99% $1,388.15<br>Household Bank 17.90% $2,102.85<br>Kohls 21.90% $439.79<br>HSBC 19.99% $626.47<br>Goodyear 29.49% $1,482.00<br>Chase 31.99% $2,030.99<br>Target 22.90% $997.36<br>Discover 0% $1,972.63<br>First American Crdt 19.99% $632.81 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $626.00 <br>Car Insurance $92.00 <br>Cell Phone $150.00 |
Please explain the reason why you carry a large revolving credit balance. | Meets my emergency needs |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Bill Me Later 19.99%<br>Household Bank 17.90%<br>Kohls 21.90%<br>HSBC 19.99%<br>Goodyear 29.49%<br>Chase 31.99%<br>Target 22.90%<br>Discover 0%<br>First American Crdt 19.99% |
Which debts do you plan to pay off with this loan? | Bill Me Later 19.99% $1,388.15<br>Household Bank 17.90% $2,102.85<br>Kohls 21.90% $439.79<br>HSBC 19.99% $626.47<br>Goodyear 29.49% $1,482.00<br>Chase 31.99% $2,030.99<br>Target 22.90% $997.36<br>Discover 0% $1,972.63<br>First American Crdt 19.99% $632.81 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Bill Me Later 19.99%<br>Household Bank 17.90%<br>Kohls 21.90%<br>HSBC 19.99%<br>Goodyear 29.49%<br>Chase 31.99%<br>Target 22.90%<br>Discover 0%<br>First American Crdt 19.99% |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $626.00 <br>Car Insurance $92.00 <br>Cell Phone $150.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Bill Me Later 19.99%<br>Household Bank 17.90%<br>Kohls 21.90%<br>HSBC 19.99%<br>Goodyear 29.49%<br>Chase 31.99%<br>Target 22.90%<br>Discover 0%<br>First American Crdt 19.99% |
Which debts do you plan to pay off with this loan? | Bill Me Later 19.99% $1,388.15<br>Household Bank 17.90% $2,102.85<br>Kohls 21.90% $439.79<br>HSBC 19.99% $626.47<br>Goodyear 29.49% $1,482.00<br>Chase 31.99% $2,030.99<br>Target 22.90% $997.36<br>Discover 0% $1,972.63<br>First American Crdt 19.99% $632.81 |
Please explain the reason why you carry a large revolving credit balance. | Meets my emergency needs |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Bill Me Later 19.99%<br>Household Bank 17.90%<br>Kohls 21.90%<br>HSBC 19.99%<br>Goodyear 29.49%<br>Chase 31.99%<br>Target 22.90%<br>Discover 0%<br>First American Crdt 19.99% |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Bill Me Later 19.99%<br>Household Bank 17.90%<br>Kohls 21.90%<br>HSBC 19.99%<br>Goodyear 29.49%<br>Chase 31.99%<br>Target 22.90%<br>Discover 0%<br>First American Crdt 19.99% |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $626.00 <br>Car Insurance $92.00 <br>Cell Phone $150.00 |
What is your intended use for the loan proceeds? | Bill Me Later 19.99% $1,388.15<br>Household Bank 17.90% $2,102.85<br>Kohls 21.90% $439.79<br>HSBC 19.99% $626.47<br>Goodyear 29.49% $1,482.00<br>Chase 31.99% $2,030.99<br>Target 22.90% $997.36<br>Discover 0% $1,972.63<br>First American Crdt 19.99% $632.81 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Bill Me Later 19.99%<br>Household Bank 17.90%<br>Kohls 21.90%<br>HSBC 19.99%<br>Goodyear 29.49%<br>Chase 31.99%<br>Target 22.90%<br>Discover 0%<br>First American Crdt 19.99% |
Please explain the reason why you carry a large revolving credit balance. | Meets my emergency needs |
If you have a delinquency in the last 2 years, please explain the reason. | No, delinquencies in the past two years. May have been late a couple of times depending on where my payday fell. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Not paying a mortgage. Monthly rent is $626. Utilities are taken care of by my fiance. |
Member Payment Dependent Notes Series 1407386
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407386 |
$4,500 |
$4,500 |
14.33% |
1.00% |
July 18, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407386. Member loan 1407386 was requested on July 7, 2012 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: | Boston Beer Company | Debt-to-income ratio: | 5.62% |
Length of employment: | 1 year | Location: | Enfield, CT |
Home town: | |||
Current & past employers: | Boston Beer 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 July 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2008 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 4 | Months Since Last Delinquency: | 5 |
Revolving Credit Balance: | $619.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 38.70% | 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)? | Rent 1,120<br>Insurance 375<br>Food 100<br>Transportation 0<br>Phone 60<br>Utilities 60 |
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 Current Balance $5,500 I will be using this loan to pay the balance on my amex. It was a charge that was unexpected, but i had to make and cannot pay the full balance. This loan will be used to finance that charge amount. |
Member Payment Dependent Notes Series 1407392
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407392 |
$16,000 |
$16,000 |
22.47% |
1.00% |
July 24, 2012 |
July 20, 2017 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407392. Member loan 1407392 was requested on July 6, 2012 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: | Vanderlip & Co. | Debt-to-income ratio: | 29.97% |
Length of employment: | 5 years | Location: | ARLINGTON, WA |
Home town: | |||
Current & past employers: | Vanderlip & Co. | ||
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 6, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 41 | Months Since Last Delinquency: | 34 |
Revolving Credit Balance: | $33,186.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1407415
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407415 |
$12,375 |
$12,375 |
14.33% |
1.00% |
July 18, 2012 |
July 25, 2017 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407415. Member loan 1407415 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,559 / month |
Current employer: | ryder | Debt-to-income ratio: | 12.74% |
Length of employment: | 8 years | Location: | FORDS, NJ |
Home town: | |||
Current & past employers: | ryder | ||
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 11, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2003 | 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: | $10,148.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1407423
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407423 |
$16,000 |
$16,000 |
20.49% |
1.00% |
July 24, 2012 |
July 20, 2017 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407423. Member loan 1407423 was requested on July 6, 2012 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: | WakeMed | Debt-to-income ratio: | 6.72% |
Length of employment: | 10+ years | Location: | Benson, NC |
Home town: | |||
Current & past employers: | WakeMed | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > consolidate all my credit cards....i have made upgrades to my house and used my credit cards now I want to pay them off with one payment.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2000 | 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: | $17,231.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 57.80% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage -$664.00 including taxes and insurance<br>Montly gas expense-$120.<br>Utilities - $360. including phone<br>Food - $400.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards - $17,000.00 - Varies from 6% to 11.9 percent<br>No Line of Cedit<br>No Student Loans<br>The loan I am requesting will pay these credit cards off. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards - $17,000.00 - Varies from 6% to 11.9 percent<br>No Line of Cedit<br>No Student Loans<br>The loan I am requesting will pay these credit cards off. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards - $17,000.00 - Varies from 6% to 11.9 percent<br>No Line of Cedit<br>No Student Loans<br>The loan I am requesting will pay these credit cards off. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage -$664.00 including taxes and insurance<br>Montly gas expense-$120.<br>Utilities - $360. including phone<br>Food - $400.00 |
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 money to pay off all of my credit card debts. In doing this I will have just one payment, Lending Club, instead of several. I will be able to save money also and add extra money to get this debt paid off faster. |
Please explain the reason why you carry a large revolving credit balance. | I am paying my credit cards off - I did home improvements and used my credit cards and now I want to combine these credit cards and make one payment only so I can 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)? | Credit Cards - $17,000.00 - Varies from 6% to 11.9 percent<br>No Line of Cedit<br>No Student Loans<br>The loan I am requesting will pay these credit cards off. |
What is your intended use for the loan proceeds? | I intend to pay off all of my credit cards and have instead one payment. I did some home improvements and used my credit cards; now I want to pay them all off. |
Please explain the reason why you carry a large revolving credit balance. | I am paying my credit cards off - I did home improvements and used my credit cards and now I want to combine these credit cards and make one payment only so I can 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)? | Credit Cards - $17,000.00 - Varies from 6% to 11.9 percent<br>No Line of Cedit<br>No Student Loans<br>The loan I am requesting will pay these credit cards off. |
Which debts do you plan to pay off with this loan? | I plan to pay off my credit cards which I had used to make home improvements with. This will enable me to have one payment which will be easier for me to make. |
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 money to pay off all of my credit card debts. In doing this I will have just one payment, Lending Club, instead of several. I will be able to save money also and add extra money to get this debt paid off faster. |
Please explain the reason why you carry a large revolving credit balance. | I am paying my credit cards off - I did home improvements and used my credit cards and now I want to combine these credit cards and make one payment only so I can pay them off. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | My house payment is $664. per month which includes my home insurance and taxes. I have no line of credit or second mortgage that I have to pay. My utilities run about around $400-450. for electricity, phone, cable, water, internet. My car is paid for. Gas runs about $120 per month for car. |
Member Payment Dependent Notes Series 1407429
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407429 |
$3,950 |
$3,950 |
15.31% |
1.00% |
July 19, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407429. Member loan 1407429 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,458 / month |
Current employer: | Lee's of Wasington/Taco John's | Debt-to-income ratio: | 30.17% |
Length of employment: | 2 years | Location: | Spokane, WA |
Home town: | |||
Current & past employers: | Lee's of Wasington/Taco John's | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > If i can bundle my card pymts.it would allow me to make my payments from one check w/one rate instead of 4-5 different rates.That would also help me pay off my separate loan sooner!Thank you for the consideration!<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 660-678 | 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: | 18 | Months Since Last Delinquency: | 34 |
Revolving Credit Balance: | $2,603.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 43.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $200.00 rent-$80.00 gas-$80.00 food-$140.00 phone/internet-$90.00 auto ins.-$27.00 life ins. |
Please provide additional details regarding the purpose of the loan. | My card with the largest balance has been.more than half the limit for a good three years,thanks to some vandalism,so through two years of unemployment,i kept it in good standing;i'd feel great seeing zero balance on that statement!($1770.00 approx.)The others ($350.00 approx.& $980.00 approx.) would fit into the amount you've offered and some of the remainder can be applied to lower the balance on another small loan that i'd be in the position to pay off sooner.Your offer is truly appreciated! |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $200.00 rent-$80.00 gas-$80.00 food-$140.00 phone/internet-$90.00 auto ins.-$27.00 life ins. |
What is your intended use for the loan proceeds? | I'd like to substitute multiple payments & rates for one account that can be the sum of all debts,with one rate.<br>This would enable me to build my savings,while improving my credit score!Thank you for you consideration! |
Please explain the reason why you carry a large revolving credit balance. | Between the economy and some vandalism to my vehicles over time;i've had to put my credit cards to use in order to 1)continue being mobile and 2)not have to pay out all my funds in the process.Then unemployment lessened my income even more,but i've managed to stay on top of my accounts!This opportunity will open up the avenue to savings and less use of credit cards!Thank you for your consideration! |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $200.00 rent-$80.00 gas-$80.00 food-$140.00 phone/internet-$90.00 auto ins.-$27.00 life ins. |
Member Payment Dependent Notes Series 1407456
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407456 |
$15,000 |
$15,000 |
7.90% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407456. Member loan 1407456 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,433 / month |
Current employer: | n/a | Debt-to-income ratio: | 3.88% |
Length of employment: | n/a | Location: | YAKIMA, WA |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > Credit Card Loans_Home improvement-Fence-sprinkler system.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,651.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 8.20% | 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)? | $1,400 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Lines of credit 18,000 Mortage 130,000 interest rates from 4.7%-21% therefore debt balance is $135,790 |
Member Payment Dependent Notes Series 1407489
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407489 |
$6,625 |
$6,625 |
7.90% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407489. Member loan 1407489 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,917 / month |
Current employer: | Feng Shui | Debt-to-income ratio: | 28.96% |
Length of employment: | 2 years | Location: | Lowell, MA |
Home town: | |||
Current & past employers: | Feng Shui | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > With this loan, I could reduce my monthly credit card payments into one whole lump sum, so I don't have to worry about missing any payments different days of the month. It would help me significantly and hopefully increase my credit as well.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2005 | 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: | $5,913.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 62.90% | 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 monthly expenses averages to about $800-$1000. |
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 roughly $6000. The average interest rate for my two major credit lines is 19%-22%. And the minimum monthly payment for both lines is $70 but I pay $130-$150 for each, just so I can pay them off faster. |
Please explain the reason why you carry a large revolving credit balance. | I don't like the fact that I am carrying a large revolving credit balance. I'm trying not to touch it and just pay it off as soon as I can because it has a high interest rate. I only use it for emergencies, when I don't have enough in my checking. Also, I figured it would at least help my credit a little bit. |
Member Payment Dependent Notes Series 1407495
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407495 |
$8,875 |
$8,875 |
18.49% |
1.00% |
July 20, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407495. Member loan 1407495 was requested on July 6, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,246 / month |
Current employer: | SEARS ROEBUCK AND CO. | Debt-to-income ratio: | 34.47% |
Length of employment: | 3 years | Location: | CYPRESS, TX |
Home town: | |||
Current & past employers: | SEARS ROEBUCK AND CO. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > My loan is to pay my credit card debt I just moved into my my mother house she was in financial problems medical bills and other bills piled up do had put them on credit cards it just got really difficult for me to pay them all at the same time.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2007 | 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: | $6,399.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | No rent transportation gas to work $120.00 and utilities $360 cellphone $140.00 house phone & Internet $65.00 insurance two cars $292.00 and groceries $160.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | One of my chase credit card $3,192 monthly payment $75.00 and i have another credit chase credit card $300.00 payment a month paying $3,254 gone to collections moms credit card. Then i have Sears Citi bank $2,225 payment $75.00 also AES scool loan $2,192 $50 dollars a month and second AES loan $11,000 $180.00 month. Dental loan $2,220 payment $243.00 a month. Just recently purchased car $18,452 pay $475 This reason I am applying for this loan this loan will help me get my finances back on track |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | No rent transportation gas to work $120.00 and utilities $360 cellphone $140.00 house phone & Internet $65.00 insurance two cars $292.00 and groceries $160.00 |
Which debts do you plan to pay off with this loan? | With this loan I'm going to Pay three of my credit cards two chase that total 6,000 and my Citi bank card which is 2,000 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | One of my chase credit card $3,192 monthly payment $75.00 and i have another credit chase credit card $300.00 payment a month paying $3,254 gone to collections moms credit card. Then i have Sears Citi bank $2,225 payment $75.00 also AES scool loan $2,192 $50 dollars a month and second AES loan $11,000 $180.00 month. Dental loan $2,220 payment $243.00 a month. Just recently purchased car $18,452 pay $475 This reason I am applying for this loan this loan will help me get my finances back on track |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | One of my chase credit card $3,192 monthly payment $75.00 and i have another credit chase credit card $300.00 payment a month paying $3,254 gone to collections moms credit card. Then i have Sears Citi bank $2,225 payment $75.00 also AES scool loan $2,192 $50 dollars a month and second AES loan $11,000 $180.00 month. Dental loan $2,220 payment $243.00 a month. Just recently purchased car $18,452 pay $475 This reason I am applying for this loan this loan will help me get my finances back on track |
Member Payment Dependent Notes Series 1407547
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407547 |
$12,000 |
$12,000 |
8.90% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407547. Member loan 1407547 was requested on July 6, 2012 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: | TheCheesecake Factory Restaurant,Inc. | Debt-to-income ratio: | 19.09% |
Length of employment: | 5 years | Location: | Los Angeles, CA |
Home town: | |||
Current & past employers: | TheCheesecake Factory Restaurant,Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > It 's so that i can consolidate my bills in to one payment. Save money from getting a better interest rate and being debt free in 3 years if approved.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,944.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 48.10% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc) is $1000.00 |
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 dept is $ 12,913.54 . and i owe $6,900.00 on my car<br> No Student Loans , No Morgages , Or other lines of credit. |
Please explain the reason why you carry a large revolving credit balance. | Been paying minimum and in time got caught-up with more and more credit that made it this large and now i'm trying to do something about that. |
Member Payment Dependent Notes Series 1407554
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407554 |
$7,200 |
$7,200 |
7.90% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407554. Member loan 1407554 was requested on July 6, 2012 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: | Amphastar Pharm. | Debt-to-income ratio: | 25.55% |
Length of employment: | 7 years | Location: | COLTON, CA |
Home town: | |||
Current & past employers: | Amphastar Pharm. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > Had to survive on credit cards for college, now working and looking to get out of debt.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | 18 |
Revolving Credit Balance: | $15,058.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.40% | 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 wife and I both went to college and survived mostly on credit cards. Both now have good jobs and ready to get rid of debt. |
Member Payment Dependent Notes Series 1407588
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407588 |
$18,000 |
$18,000 |
7.90% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407588. Member loan 1407588 was requested on July 6, 2012 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: | University of Kentucky | Debt-to-income ratio: | 18.21% |
Length of employment: | 10+ years | Location: | Lexington, KY |
Home town: | |||
Current & past employers: | University of Kentucky | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > I have a couple of credit cards and some high interest home improvement cards that I want to consolidate and pay off. Once these cards are gone I will be close to debt free! I will have only a small student loan and home mortgage that I just refinanced last year into a 15 year low interest loan.<br><br> Borrower added on 07/06/12 > I have a couple of credit cards and some high interest home improvement cards that I want to consolidate and pay off. Once these cards are gone I will be close to debt free! I will have only a small student loan and home mortgage that I just refinanced last year into a 15 year low interest loan.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1998 | 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: | $16,514.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage with home insurance and escrow $1200<br>Car is paid for so only gas, insurance and any repairs $150<br>Utilities including cell phone is $500<br>Food is approx $400 for two adults<br>Student loan is $100<br>Combined Credit cards are currently $450 with min payments but all of these would be paid off with loan. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage $128,200 at $1200/mo<br>Credit cards $17,900 at $420/mo min payment<br>Student Loan $5,200 at $100/mo |
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 $1220/mo and that includes the escrow for insurance and taxes. My utilities are approx. $500 a month including phone. I don't have any other 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)? | Mortgage $128,200 at $1200/mo<br>Credit cards $17,900 at $420/mo min payment<br>Student Loan $5,200 at $100/mo |
Member Payment Dependent Notes Series 1407693
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407693 |
$20,675 |
$20,675 |
23.63% |
1.00% |
July 23, 2012 |
July 21, 2017 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407693. Member loan 1407693 was requested on July 7, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,371 / month |
Current employer: | department of social and health services | Debt-to-income ratio: | 26.15% |
Length of employment: | 10+ years | Location: | airway heights, WA |
Home town: | |||
Current & past employers: | department of social and health services | ||
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 7, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $20,011.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 91.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1407709
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407709 |
$2,500 |
$2,500 |
15.80% |
1.00% |
July 20, 2012 |
July 20, 2017 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407709. Member loan 1407709 was requested on July 6, 2012 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: | Missouri Dept of Corrections | Debt-to-income ratio: | 16.51% |
Length of employment: | 10+ years | Location: | LOUISIANA, MO |
Home town: | |||
Current & past employers: | Missouri Dept of Corrections | ||
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 6, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | 58 |
Revolving Credit Balance: | $10,457.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 36.20% | 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)? | House 318.00 (includes taxes and insurance), lights/gas/water-200.00, auto insurance-65.00, home phone/cell phone/internet-165.00, transportation-275.00, food & misc-240.00 |
What is your intended use for the loan proceeds? | I have unexpected, out of pocket expense. Also I need to make some minor repairs to my vehicle, which I have been putting off due to the other bills. |
What is your intended use for the loan proceeds? | I have unexpected, out of pocket expense. Also I need to make some minor repairs to my vehicle, which I have been putting off due to the other bills. |
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-318.00, utilities-260.00 to 350.00 depending on the season Taxes and insurance included in house payment. |
Please provide additional details regarding the purpose of the loan. | Earlier this year I ran into some unexpected problems and was left with out of pocket expenses in excess of 1500.00. They are demanding payment of these now. Also, because of trying to pay these I have neglected the upkeep on my truck. It needs brakes and AC repair and is due for new plates this month. |
Member Payment Dependent Notes Series 1407729
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407729 |
$33,950 |
$33,950 |
11.14% |
1.00% |
July 18, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407729. Member loan 1407729 was requested on July 6, 2012 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: | Texas Roadhouse | Debt-to-income ratio: | 16.01% |
Length of employment: | 2 years | Location: | Beach City, TX |
Home town: | |||
Current & past employers: | Texas Roadhouse | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > Home Improvements<br><br> Borrower added on 07/08/12 > We are adding flooring, kitchen remodel, bath remodel, and paint inside and out. We sold our old game quickly and need to finish our new home as soon as possible.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 714-749 | 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: | 37 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $29,033.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 40.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $2300 |
Is the improvement to your primary residence or an investment property? | Primary |
What is the home improvement project you are planning? | New tile floor. New tubs and showers in both restrooms. New kitchen cabinets. Paint inside and out. New doors. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $2300 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $2300 |
Please explain the reason why you carry a large revolving credit balance. | I use american express for every purchase and pay the balance at the end of the month. I never "carry" a balance. I just pay it off each month. I did make a one time work related purchase and did get reimbursed for the cost and will pay off when that payment is due. |
Member Payment Dependent Notes Series 1407786
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407786 |
$4,725 |
$4,725 |
14.09% |
1.00% |
July 19, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407786. Member loan 1407786 was requested on July 6, 2012 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: | moores tire sales | Debt-to-income ratio: | 6.44% |
Length of employment: | 10+ years | Location: | CHEEKTOWAGA, NY |
Home town: | |||
Current & past employers: | moores tire sales | ||
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 6, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,332.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 82.40% | 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-$200 month<br>car paid off just gas~ $100-120 month<br>pay cable and phone-$120 month<br>car insurance- $35 month <br>health and dental insurance $140 month<br>food- ~$350-450 month<br>other- $200 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<br>$1600 26.9%<br>$1000 15.99%<br>$600 19.99%<br>$2700 19.9% |
What is your intended use for the loan proceeds? | pay off my highest interest rate credit cards save me around 10% or so. Also I will have 1 payment compared 3 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent-$200 month<br>car paid off just gas~ $100-120 month<br>pay cable and phone-$120 month<br>car insurance- $35 month <br>health and dental insurance $140 month<br>food- ~$350-450 month<br>other- $200 month |
Member Payment Dependent Notes Series 1407893
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407893 |
$1,200 |
$1,200 |
15.80% |
1.00% |
July 20, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407893. Member loan 1407893 was requested on July 13, 2012 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: | DeSoto School District | Debt-to-income ratio: | 9.99% |
Length of employment: | 10+ years | Location: | Arcadia, FL |
Home town: | |||
Current & past employers: | DeSoto 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 July 13, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1986 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,520.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 14.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1407907
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407907 |
$7,500 |
$7,500 |
6.62% |
1.00% |
July 18, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407907. Member loan 1407907 was requested on July 7, 2012 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: | Brentwood school dist | Debt-to-income ratio: | 13.74% |
Length of employment: | 10+ years | Location: | Brentwood, NY |
Home town: | |||
Current & past employers: | Brentwood 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 7, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1982 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 44 |
Revolving Credit Balance: | $18,763.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 30.20% | 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 $650, utilities $150, food $175, phone $35. Transportation $400. |
What is your intended use for the loan proceeds? | Help my daughter put down payment on house. |
If you have a delinquency in the last 2 years, please explain the reason. | My son was having a tough time with his finances so i let him use my credit card. He now lives on his own. |
What is your intended use for the loan proceeds? | Help my daughter put down payment on house. |
Member Payment Dependent Notes Series 1407915
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407915 |
$9,450 |
$9,450 |
10.16% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407915. Member loan 1407915 was requested on July 7, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,500 / month |
Current employer: | Terrebonne Parish 911 Office | Debt-to-income ratio: | 23.28% |
Length of employment: | 4 years | Location: | Houma, LA |
Home town: | |||
Current & past employers: | Terrebonne Parish 911 Office | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > My loan is to replace my fence and gutters after a tree fell on them during a hurricane a couple years ago. Also to replace 3 window sills my labrador puppy chewed on and replace linoleum she also chewed up with carpet in my living room & hall. When the fence is fixed she will no longer live inside.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | 22 |
Revolving Credit Balance: | $362.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 4.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My mortgage is $489, truck note is $368, water is $35, electricity is $60,phone is $80, no cable/internet, food is $200. |
What is the home improvement project you are planning? | I had some hurricane damage a couple years ago that my USAA insurance would not cover. I have a fence that was toppled over by a tree, and the limbs knocked off a portion of my gutters. I would like to have the fence replaced and the gutters. I also had a labrador puppy that tore up some linoleum in the house and chewed on some window sills. I would like to replace the window sills, and replace the linoleum with carpet since I have recently gotten rid of the dog. |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | The balance of my mortgage is $66,161.43, interest rate is 3.50000%, and monthly mortgage payments are $488.98 |
Member Payment Dependent Notes Series 1407920
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407920 |
$18,550 |
$18,550 |
7.90% |
1.00% |
July 18, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407920. Member loan 1407920 was requested on July 7, 2012 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: | DFAS/Atl VAMC | Debt-to-income ratio: | 16.93% |
Length of employment: | 3 years | Location: | COVINGTON, GA |
Home town: | |||
Current & past employers: | DFAS/Atl VAMC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > In part, Debt consolidation, but I also need some home repair, ie water heater replaced.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $28,877.00 | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $678, Utilities $50, car insurance $219., food $500 (for 2). Phone, utilities, and mortgage where I live are paid by my partner of 11 years. The mortgae I pay is on a rental property currently vacant and in need of more repairs before it can be rented. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage Bal $81,100 at 6%, Credit Card $2373 at 29.99%, Credit card $5110 at 26.24%, Credit card $446 at 14.9%, Credit Card $10,668 at 25.74%, Credit card $5434 at 25.99%. No student loans. No lines of credit. I have been paying above monthly minimum on all in effort to pay them off. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $678, Utilities $50, car insurance $219., food $500 (for 2). Phone, utilities, and mortgage where I live are paid by my partner of 11 years. The mortgae I pay is on a rental property currently vacant and in need of more repairs before it can be rented. |
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 approx 1500.00 credit card debt each month, mortgage is 677.02, utilities I am responsible for are approx 150.00, insurance is 220.00 a month. I am trying to get my credit card debt paid off within 48 months. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $678, Utilities $50, car insurance $219., food $500 (for 2). Phone, utilities, and mortgage where I live are paid by my partner of 11 years. The mortgae I pay is on a rental property currently vacant and in need of more repairs before it can be rented. |
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 approx 1500.00 credit card debt each month, mortgage is 677.02, utilities I am responsible for are approx 150.00, insurance is 220.00 a month. I am trying to get my credit card debt paid off within 48 months. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage Bal $81,100 at 6%, Credit Card $2373 at 29.99%, Credit card $5110 at 26.24%, Credit card $446 at 14.9%, Credit Card $10,668 at 25.74%, Credit card $5434 at 25.99%. No student loans. No lines of credit. I have been paying above monthly minimum on all in effort to pay them off. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $678, Utilities $50, car insurance $219., food $500 (for 2). Phone, utilities, and mortgage where I live are paid by my partner of 11 years. The mortgae I pay is on a rental property currently vacant and in need of more repairs before it can be rented. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage Bal $81,100 at 6%, Credit Card $2373 at 29.99%, Credit card $5110 at 26.24%, Credit card $446 at 14.9%, Credit Card $10,668 at 25.74%, Credit card $5434 at 25.99%. No student loans. No lines of credit. I have been paying above monthly minimum on all in effort to pay them off. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $678, Utilities $50, car insurance $219., food $500 (for 2). Phone, utilities, and mortgage where I live are paid by my partner of 11 years. The mortgae I pay is on a rental property currently vacant and in need of more repairs before it can be rented. |
Please explain the reason why you carry a large revolving credit balance. | I have several credit cards that I am attempting to combine with this loan. My goal is pay off the revolving credit asap. |
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 approx 1500.00 credit card debt each month, mortgage is 677.02, utilities I am responsible for are approx 150.00, insurance is 220.00 a month. I am trying to get my credit card debt paid off within 48 months. |
Member Payment Dependent Notes Series 1407940
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407940 |
$21,500 |
$21,500 |
7.62% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407940. Member loan 1407940 was requested on July 7, 2012 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: | United States Air Force | Debt-to-income ratio: | 15.94% |
Length of employment: | 10+ years | Location: | Ballston Lake, NY |
Home town: | |||
Current & past employers: | United States 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 July 7, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1992 | 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: | $16,799.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.10% | 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)? | Auto Loan: $400/month with pay-off complete by May 2013.<br>Auto Insurance: $125/month<br>Food: $550/month (shop mainly at the Commissary (military grocery))<br>Home phone/cable/internet: $170/month<br>Wireless family: $135/month<br>Home Gas/electric: Approx. $200/month<br>Waste Collection: $40/month<br>Home Water: $50-65/year (depending on total water consumption). Yes, that is per year and not month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I am not allowed to answer this question. I tried before but it was blocked. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Mortgage: $1476/month<br>Home Improvement Loan: $380/month for next 5 years.<br>Gas/Electric: About $200/month<br>Water: About $40-60/year<br>The mortgage includes escrow. So, property tax, school tax and homeowners insurance is included in the payment. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I am not allowed to answer this question. I tried before but it was blocked. |
Which debts do you plan to pay off with this loan? | The debts I plan to pay off is credit cards 1,2,3 and a portion of 4. I have been a member of the US Air Force for the past 15 1/2 years and would like to see the credit card expenses gone before my retirement at 20 years. By having a set rate (8.99%) and time plan (3 years), this will make it perfect for my family. Thank you for your time. |
What is your intended use for the loan proceeds? | To pay off current credit cards with one monthly installment. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Auto Loan: $400/month with pay-off complete by May 2013.<br>Auto Insurance: $125/month<br>Food: $550/month (shop mainly at the Commissary (military grocery))<br>Home phone/cable/internet: $170/month<br>Wireless family: $135/month<br>Home Gas/electric: Approx. $200/month<br>Waste Collection: $40/month<br>Home Water: $50-65/year (depending on total water consumption). Yes, that is per year and not 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: $1476/month<br>Home Improvement Loan: $380/month for next 5 years.<br>Gas/Electric: About $200/month<br>Water: About $40-60/year<br>The mortgage includes escrow. So, property tax, school tax and homeowners insurance is included in the payment. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Auto Loan: $400/month with pay-off complete by May 2013.<br>Auto Insurance: $125/month<br>Food: $550/month (shop mainly at the Commissary (military grocery))<br>Home phone/cable/internet: $170/month<br>Wireless family: $135/month<br>Home Gas/electric: Approx. $200/month<br>Waste Collection: $40/month<br>Home Water: $50-65/year (depending on total water consumption). Yes, that is per year and not 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: $1476/month<br>Home Improvement Loan: $380/month for next 5 years.<br>Gas/Electric: About $200/month<br>Water: About $40-60/year<br>The mortgage includes escrow. So, property tax, school tax and homeowners insurance is included in the payment. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I am not allowed to answer this question. I tried before but it was blocked. |
Which debts do you plan to pay off with this loan? | The debts I plan to pay off is credit cards 1,2,3 and a portion of 4. I have been a member of the US Air Force for the past 15 1/2 years and would like to see the credit card expenses gone before my retirement at 20 years. By having a set rate (8.99%) and time plan (3 years), this will make it perfect for my family. Thank you for your time. |
Please explain the reason why you carry a large revolving credit balance. | Unforseen passing of family that required extra money to help out. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Auto Loan: $400/month with pay-off complete by May 2013.<br>Auto Insurance: $125/month<br>Food: $550/month (shop mainly at the Commissary (military grocery))<br>Home phone/cable/internet: $170/month<br>Wireless family: $135/month<br>Home Gas/electric: Approx. $200/month<br>Waste Collection: $40/month<br>Home Water: $50-65/year (depending on total water consumption). Yes, that is per year and not month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I am not allowed to answer this question. I tried before but it was blocked. |
What is your intended use for the loan proceeds? | To pay off current credit cards with one monthly installment. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Mortgage: $1476/month<br>Home Improvement Loan: $380/month for next 5 years.<br>Gas/Electric: About $200/month<br>Water: About $40-60/year<br>The mortgage includes escrow. So, property tax, school tax and homeowners insurance is included in the payment. |
Which debts do you plan to pay off with this loan? | The debts I plan to pay off is credit cards 1,2,3 and a portion of 4. I have been a member of the US Air Force for the past 15 1/2 years and would like to see the credit card expenses gone before my retirement at 20 years. By having a set rate (8.99%) and time plan (3 years), this will make it perfect for my family. Thank you for your time. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Auto Loan: $400/month with pay-off complete by May 2013.<br>Auto Insurance: $125/month<br>Food: $550/month (shop mainly at the Commissary (military grocery))<br>Home phone/cable/internet: $170/month<br>Wireless family: $135/month<br>Home Gas/electric: Approx. $200/month<br>Waste Collection: $40/month<br>Home Water: $50-65/year (depending on total water consumption). Yes, that is per year and not month. |
Member Payment Dependent Notes Series 1407942
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407942 |
$5,600 |
$5,600 |
6.62% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407942. Member loan 1407942 was requested on July 7, 2012 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: | Stryker Sustainability | Debt-to-income ratio: | 5.01% |
Length of employment: | 4 years | Location: | LAKELAND, FL |
Home town: | |||
Current & past employers: | Stryker Sustainability | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > Loan will be used to cover any supplimental expenses for wedding. Current liquid assests are invested and would incur heavy penatlies if used. Loan is to be repaid before the 3 year term<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 750-779 | 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: | 36 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $536.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 3.30% | 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)? | Approximately $1600.<br>Roughly itemized:<br>Mortgage, taxes, insurance, and utilities-$904<br>gas-$100<br>Food-$200<br>Entertainment-$200<br>Student Loans-$200 |
What is your intended use for the loan proceeds? | Short loan for wedding reception and related misc expenses. Loan is to be repaid within 6 months as my savings and liquid assets are currently invested with Vanguard Financial. Use of my assets for this purchase would incur heavy penalties that would be far more expensive than taking a personal loan. |
Member Payment Dependent Notes Series 1407999
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1407999 |
$5,250 |
$5,250 |
8.90% |
1.00% |
July 20, 2012 |
July 20, 2015 |
July 20, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1407999. Member loan 1407999 was requested on July 6, 2012 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: | Management Company | Debt-to-income ratio: | 16.11% |
Length of employment: | 4 years | Location: | AURORA, CO |
Home town: | |||
Current & past employers: | Management Company | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/06/12 > I am a responsible bill payer who wants to consolidate high rates on credit cards. This will allow me to put more money towards paying down the debt, rather than handing it to the banks collecting interest.<br>
A credit bureau reported the following information about this borrower member on July 6, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,254.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 28.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I end up about breaking even each month but it's a poor long term plan. Out of $1770: $850 is related to rent and utilities (including cell), $450 goes to credit cards, $175-200 to food, $50 to roller derby dues (fitness), $40 to car insurance, $50 to household including pets & laundry, the rest transportation, entertainment, etc. Transportation expenses are currently in flux because vehicle has broken down and am working on the best solution (have been riding bus and biking to work). |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 15.6K in credit card debt. Loan after fees to cover those accruing interest at a higher rate, and the repayment amount is slightly less than the combined minimums: A is $2700 at 11.75%; B $1600 at 13.24%; C $500 at 22.8%; D $375 at 13.99%. E is $6000 at a reasonable rate; F is $1000 at 0% interest and should be covered by 2012 tax return before promo period expires; G is $3400 at 0% interest. Paid off two other cards this year. All cards frozen in a block of ice in my freezer. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I end up about breaking even each month but it's a poor long term plan. Out of $1770: $850 is related to rent and utilities (including cell), $450 goes to credit cards, $175-200 to food, $50 to roller derby dues (fitness), $40 to car insurance, $50 to household including pets & laundry, the rest transportation, entertainment, etc. Transportation expenses are currently in flux because vehicle has broken down and am working on the best solution (have been riding bus and biking to work). |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I end up about breaking even each month but it's a poor long term plan. Out of $1770: $850 is related to rent and utilities (including cell), $450 goes to credit cards, $175-200 to food, $50 to roller derby dues (fitness), $40 to car insurance, $50 to household including pets & laundry, the rest transportation, entertainment, etc. Transportation expenses are currently in flux because vehicle has broken down and am working on the best solution (have been riding bus and biking to work). |
Please explain the reason why you carry a large revolving credit balance. | When I moved in with my now-ex boyfriend, I didn't know he was behind on basic bills, because it didn't occur to me that he would not be covering expenses before going out, and he didn't like to talk about money. I uncovered a mess I had to damage ctrl, e.g. 2 mo behind on $1000/month rent. He was unemployed for the majority of the year we lived together; problems snowballed, and we fought about adjusting standard of living. Hindsight is 20/20 but doesn't directly get me out of existing debt. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 15.6K in credit card debt. Loan after fees to cover those accruing interest at a higher rate, and the repayment amount is slightly less than the combined minimums: A is $2700 at 11.75%; B $1600 at 13.24%; C $500 at 22.8%; D $375 at 13.99%. E is $6000 at a reasonable rate; F is $1000 at 0% interest and should be covered by 2012 tax return before promo period expires; G is $3400 at 0% interest. Paid off two other cards this year. All cards frozen in a block of ice in my freezer. |
Please explain the reason why you carry a large revolving credit balance. | When I moved in with my now-ex boyfriend, I didn't know he was behind on basic bills, because it didn't occur to me that he would not be covering expenses before going out, and he didn't like to talk about money. I uncovered a mess I had to damage ctrl, e.g. 2 mo behind on $1000/month rent. He was unemployed for the majority of the year we lived together; problems snowballed, and we fought about adjusting standard of living. Hindsight is 20/20 but doesn't directly get me out of existing debt. |
Member Payment Dependent Notes Series 1408068
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408068 |
$21,000 |
$21,000 |
18.75% |
1.00% |
July 18, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408068. Member loan 1408068 was requested on July 9, 2012 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: | PNC BANK | Debt-to-income ratio: | 20.21% |
Length of employment: | 3 years | Location: | North Canton, OH |
Home town: | |||
Current & past employers: | PNC 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 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | 18 |
Revolving Credit Balance: | $1,196.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 42.10% | Months Since Last Record: | 92 |
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 1700, utilities avrg 250, phone 29, insurance 100, food 300. Please note we are a two income household and my wifes income (4K monthly) goes into a joint checking account to help pay bills. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Ocwen Mortgage - 208,000 bal., 5.5% rate, 1700 payment incl t&i<br>Chase CC - 2,432 bal., 7% rate, 87 payment<br>Charter 1 cc - 3,800 bal. 7% rate, 105 payment<br>Cap 1 cc - 500 bal. 15% rate, 39 payment<br>5/3rd bank cc - 5,666 bal. 7% rate, 146 payment<br>Bank of A cc - 507 bal. 15% rate, 34 payment<br>Four other credit cards with 0 balance and 0 payment<br>Kia Moter Finance - 26,000 balance, 4% rate, 500 payment |
If you have a delinquency in the last 2 years, please explain the reason. | The only delinquency in past 2 years is a 1X30 on an automobile loan that was paid off through Westfield bank. This occurred in January of 2011 and was the result of the payoff being processed incorrectly. This is currently being disputed. |
Member Payment Dependent Notes Series 1408080
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408080 |
$10,000 |
$10,000 |
17.77% |
1.00% |
July 18, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408080. Member loan 1408080 was requested on July 7, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,833 / month |
Current employer: | Varki cancer care center | Debt-to-income ratio: | 23.86% |
Length of employment: | 3 years | Location: | Miami, FL |
Home town: | |||
Current & past employers: | Varki cancer care 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 7, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | 31 |
Revolving Credit Balance: | $7,179.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 90.90% | 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)? | Rent :$800, utilities $125 transportation$467.00, phone$60, gas$160, insurance $120, food $450 I have 42% discount in the hospital. Plus any other expenses it is around $2,300. Total. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My current balance in total in credit cards it is $8,250. And the student loand it is $16,000. That's it. I usually don't use my credit cards, but my grandma got sick of cancer, and I was helping my mother with the expenses. That's why I want to consolidated all my debts and make one monthly payment. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent :$800, utilities $125 transportation$467.00, phone$60, gas$160, insurance $120, food $450 I have 42% discount in the hospital. Plus any other expenses it is around $2,300. Total. |
Which debts do you plan to pay off with this loan? | All my credit cards.<br>Capital one ( used for grandma's hospital and doctor's fees)<br>Citi bank ( used in grandma's meds and hospital, doctor's fees)<br>Wells Fargo ( used for school books and the fire academy)<br>PayPal ( computer for school)<br>Best buy (Christmas present ) |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My current balance in total in credit cards it is $8,250. And the student loand it is $16,000. That's it. I usually don't use my credit cards, but my grandma got sick of cancer, and I was helping my mother with the expenses. That's why I want to consolidated all my debts and make one monthly payment. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | It is just going to be used for one purpose. Consolidated all my credit cards debt and make one monthly payment higher than the require one, to finish paying my loan ASAP. It also will help me to save, because I'll be paying an APR on one loan instead of multiples monthly payments. My credit profile will be better too and my score will increase. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My current balance in total in credit cards it is $8,250. And the student loand it is $16,000. That's it. I usually don't use my credit cards, but my grandma got sick of cancer, and I was helping my mother with the expenses. That's why I want to consolidated all my debts and make one monthly payment. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent :$800, utilities $125 transportation$467.00, phone$60, gas$160, insurance $120, food $450 I have 42% discount in the hospital. Plus any other expenses it is around $2,300. Total. |
Which debts do you plan to pay off with this loan? | All my credit cards.<br>Capital one ( used for grandma's hospital and doctor's fees)<br>Citi bank ( used in grandma's meds and hospital, doctor's fees)<br>Wells Fargo ( used for school books and the fire academy)<br>PayPal ( computer for school)<br>Best buy (Christmas present ) |
Member Payment Dependent Notes Series 1408105
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408105 |
$27,575 |
$27,575 |
14.09% |
1.00% |
July 23, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408105. Member loan 1408105 was requested on July 7, 2012 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: | Maggy London | Debt-to-income ratio: | 13.77% |
Length of employment: | 10+ years | Location: | Bergenfield, NJ |
Home town: | |||
Current & past employers: | Maggy London | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > I am looking to consolidate credit cards for the purpose of lower interest rates and having a structured payment plan with one monthly payment.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $41,360.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 82.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1408119
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408119 |
$8,450 |
$8,450 |
18.75% |
1.00% |
July 23, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408119. Member loan 1408119 was requested on July 7, 2012 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: | cnys | Debt-to-income ratio: | 4.84% |
Length of employment: | 6 years | Location: | syracuse, NY |
Home town: | |||
Current & past employers: | cnys | ||
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 7, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2008 | 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: | $5,891.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.10% | 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)? | motrage, phone, food, water bills, creidt 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, |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | motrage, phone, food, water bills, creidt cards |
What is the home improvement project you are planning? | I want to replace my windows and kitchen cabinets |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | 48,000 |
Member Payment Dependent Notes Series 1408125
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408125 |
$29,700 |
$29,700 |
15.31% |
1.00% |
July 23, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408125. Member loan 1408125 was requested on July 7, 2012 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: | CHRISTUS Spohn Health System | Debt-to-income ratio: | 20.42% |
Length of employment: | 4 years | Location: | BEEVILLE, TX |
Home town: | |||
Current & past employers: | CHRISTUS Spohn 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 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $26,343.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 74.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1408166
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408166 |
$20,000 |
$20,000 |
22.95% |
1.00% |
July 24, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408166. Member loan 1408166 was requested on July 7, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,333 / month |
Current employer: | Duke university medical center | Debt-to-income ratio: | 25.84% |
Length of employment: | 4 years | Location: | Elon, NC |
Home town: | |||
Current & past employers: | Duke university medical center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > Debt Consolidation<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 25 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $23,962.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 56.60% | 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)? | Credit cards 11,000 monthly payments $150 each; student loans $31,000 $360/month |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $300<br>Utilities $300<br>Food$300 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $300<br>Utilities $300<br>Food$300 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards 11,000 monthly payments $150 each; student loans $31,000 $360/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 11,000 monthly payments $150 each; student loans $31,000 $360/month |
Which debts do you plan to pay off with this loan? | Credit cards and tax debt |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I plan to pay the balances owed for tax debt and credit cards |
What is your intended use for the loan proceeds? | Credit card and tax debt |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | 4500 |
Please explain the reason why you carry a large revolving credit balance. | paid for child's college |
Member Payment Dependent Notes Series 1408217
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408217 |
$3,600 |
$3,600 |
14.33% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408217. Member loan 1408217 was requested on July 7, 2012 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: | Progressive Home Health Serivces | Debt-to-income ratio: | 18.73% |
Length of employment: | 10+ years | Location: | Selden, NY |
Home town: | |||
Current & past employers: | Progressive Home Health Serivces | ||
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 7, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | 19 |
Revolving Credit Balance: | $33,461.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.10% | 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)? | I am responsible and take care of all bills received on time! I am not comfortable breaking down my expenses. I have a great job (16 years) in patient care and am a good person with a wonderful family. My son and grandchildren are my blessings.. |
If you have a delinquency in the last 2 years, please explain the reason. | I have never had a delinquency. |
If you have a delinquency in the last 2 years, please explain the reason. | I have never had a delinquency. |
What is your intended use for the loan proceeds? | Intended use for loan was provided with initial application. |
Member Payment Dependent Notes Series 1408221
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408221 |
$11,325 |
$11,325 |
13.11% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408221. Member loan 1408221 was requested on July 7, 2012 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: | Blue Moon Software | Debt-to-income ratio: | 21.58% |
Length of employment: | 4 years | Location: | austin, TX |
Home town: | |||
Current & past employers: | Blue Moon Software | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > I just want to pay off my credit cards, with the new baby here it's been difficult.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,407.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 37.00% | 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)? | Debt Balance: $12,000<br>Interest Rate: 18%-20%<br>Credit Cards: $600<br>Mortgage,insurance,prop. tax: $1250<br>Living expnese:$500<br>LOC: $25,000<br><br>What I am trying to do is make one substantial payment towards one loan, that way I can pay the loan off quicker. I have cut all my CC and trying to cut more expenses (no movies, no eating out..). But as I mentioned before with the new born, it's has taken a big chunk out of our savings. My wife does work so that is why we are able to make payments. |
Which debts do you plan to pay off with this loan? | My credit cards. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Debt Balance: $12,000<br>Interest Rate: 18%-20%<br>Credit Cards: $600<br>Mortgage,insurance,prop. tax: $1250<br>Living expnese:$500<br>LOC: $25,000<br><br>What I am trying to do is make one substantial payment towards one loan, that way I can pay the loan off quicker. I have cut all my CC and trying to cut more expenses (no movies, no eating out..). But as I mentioned before with the new born, it's has taken a big chunk out of our savings. My wife does work so that is why we are able to make payments. |
Member Payment Dependent Notes Series 1408280
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408280 |
$25,000 |
$25,000 |
15.31% |
1.00% |
July 20, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408280. Member loan 1408280 was requested on July 7, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,131 / month |
Current employer: | Denver Public Schools | Debt-to-income ratio: | 16.33% |
Length of employment: | 8 years | Location: | Aurora, CO |
Home town: | |||
Current & past employers: | Denver Public Schools | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > I would like to consolidate some debt from three different loans to one with a lower interest rate. It would also lower the monthly amount being paid in loan payments. The loan will also be paid off more quickly with this consolidation loan.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1974 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 80 |
Revolving Credit Balance: | $18,669.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Transportation $120; Utilities $125; Telephone/cable $167; Insurance $251(car and life); Food $300; Mortgage $1,350. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | In my previous submission, I did not include loan #3 - 6,440 at 19.22% |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | In my previous submission, I did not include loan #3 - 6,440 at 19.22% |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | In my previous submission, I did not include loan #3 - 6,440 at 19.22% |
Which debts do you plan to pay off with this loan? | Loans # 1,2,3 and make a significant payment on the Visa account. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | In my previous submission, I did not include loan #3 - 6,440 at 19.22% |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Transportation $120; Utilities $125; Telephone/cable $167; Insurance $251(car and life); Food $300; Mortgage $1,350. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | In my previous submission, I did not include loan #3 - 6,440 at 19.22% |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Transportation $120; Utilities $125; Telephone/cable $167; Insurance $251(car and life); Food $300; Mortgage $1,350. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | In my previous submission, I did not include loan #3 - 6,440 at 19.22% |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Transportation $120; Utilities $125; Telephone/cable $167; Insurance $251(car and life); Food $300; Mortgage $1,350. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | In my previous submission, I did not include loan #3 - 6,440 at 19.22% |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Transportation $120; Utilities $125; Telephone/cable $167; Insurance $251(car and life); Food $300; Mortgage $1,350. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Transportation $120; Utilities $125; Telephone/cable $167; Insurance $251(car and life); Food $300; Mortgage $1,350. |
Which debts do you plan to pay off with this loan? | Loans # 1,2,3 and make a significant payment on the Visa account. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | In my previous submission, I did not include loan #3 - 6,440 at 19.22% |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | In my previous submission, I did not include loan #3 - 6,440 at 19.22% |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Transportation $120; Utilities $125; Telephone/cable $167; Insurance $251(car and life); Food $300; Mortgage $1,350. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | In my previous submission, I did not include loan #3 - 6,440 at 19.22% |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | In my previous submission, I did not include loan #3 - 6,440 at 19.22% |
Which debts do you plan to pay off with this loan? | Loans # 1,2,3 and make a significant payment on the Visa account. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | In my previous submission, I did not include loan #3 - 6,440 at 19.22% |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Transportation $120; Utilities $125; Telephone/cable $167; Insurance $251(car and life); Food $300; Mortgage $1,350. |
Member Payment Dependent Notes Series 1408328
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408328 |
$6,000 |
$6,000 |
14.33% |
1.00% |
July 20, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408328. Member loan 1408328 was requested on July 7, 2012 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: | King County Metro Transit | Debt-to-income ratio: | 16.73% |
Length of employment: | 10+ years | Location: | Seattle, WA |
Home town: | |||
Current & past employers: | King County Metro Transit | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > My loan is to pay off auto loan and remodel deck. This loan will save me hundreds of dollars each month.<br><br>Thanks<br><br> Borrower added on 07/08/12 > I am taking care of my Grandson and need to cut some of my monthly expenses and remodel my deck. These funds will allow me to pay off my car note, pay off some closed accounts and remodel my deck. I pay my bills on time all of the time.<br><br> Borrower added on 07/10/12 > I would like to thank those of you whom have invested into my loan request. It means a lot to me.<br><br>Thank you,<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,270.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage-$864.50, Credit Cards-$400.00, Car Payment-$460.00, Phone-$65.00, Auto Insurance-$104.00<br>Utilitities and Lights paid by finance. Share the cost of food. |
What is your intended use for the loan proceeds? | Pay off car note and and couple of other small credit card debts and do some work on my deck. Paying off car note and other small credit card bills will free up over $600.00 per month. The credit accounts being paid off are closed and will not be used again. |
What is your intended use for the loan proceeds? | Pay off car note and and couple of other small credit card debts and do some work on my deck. Paying off car note and other small credit card bills will free up over $600.00 per month. The credit accounts being paid off are closed and will not be used again. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage-$864.50, Credit Cards-$400.00, Car Payment-$460.00, Phone-$65.00, Auto Insurance-$104.00<br>Utilitities and Lights paid by finance. Share the cost of food. |
Member Payment Dependent Notes Series 1408440
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408440 |
$14,000 |
$14,000 |
6.62% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408440. Member loan 1408440 was requested on July 7, 2012 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: | Tem Systems Inc | Debt-to-income ratio: | 14.85% |
Length of employment: | < 1 year | Location: | Hillsborough, NC |
Home town: | |||
Current & past employers: | Tem Systems Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > Streamlining my finances. Had some things I needed to take care of and now I would like to consolidate credit cards to one payment with the goal of lowering and eliminating my credit card debit. I am a good investment and proud to always pay my bills and on time.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,084.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.90% | 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)? | Thank you for your question. In the past I have always paid my credit cards in full each month. I had to use my credit cards to take care of some personal matters now I want one payment at a reasonable interest rate. I am not asking for a cent more than I need for the consolidation and this option seems like it is a win for me and a win for my investors. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My current income to debt ratio is about 30%. This will improve with my requested consolidation loan. I assure you I am low risk. I love my job and it is secure. I live well within my means and pay my bills always and on time as you can see from my credit score. I may even invest in the lending club in the future. What a great concept! |
Member Payment Dependent Notes Series 1408498
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408498 |
$10,000 |
$10,000 |
10.16% |
1.00% |
July 19, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408498. Member loan 1408498 was requested on July 8, 2012 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: | Contra Costa County | Debt-to-income ratio: | 13.02% |
Length of employment: | 1 year | Location: | Sacramento, CA |
Home town: | |||
Current & past employers: | Contra Costa County | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > I just have a few credit cards with variable rates that I want to consolidate into one reasonable payment.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
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: | 19 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,112.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1408507
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408507 |
$4,200 |
$4,200 |
8.90% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408507. Member loan 1408507 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,250 / month |
Current employer: | Belk INC. | Debt-to-income ratio: | 16.49% |
Length of employment: | 4 years | Location: | charlotte, NC |
Home town: | |||
Current & past employers: | Belk INC. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > The loan will be used to make home improvement. I am going to replace kitchen flooring and add a fence. This loan will help me to make the improvement to increase value of property.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 53 |
Revolving Credit Balance: | $1,136.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 43.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1408513
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408513 |
$3,000 |
$3,000 |
10.16% |
1.00% |
July 20, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408513. Member loan 1408513 was requested on July 7, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,176 / month |
Current employer: | Nationwide Insurance/RIA Services | Debt-to-income ratio: | 3.68% |
Length of employment: | 2 years | Location: | DALLAS, TX |
Home town: | |||
Current & past employers: | Nationwide Insurance/RIA Services | ||
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 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1970 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | 32 |
Revolving Credit Balance: | $880.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 24.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses are <br>rent $900, <br>electricity runs anywhere from $140 to $190 depending on the weather. <br>Phone bill is about $160 a month<br>insurance is $150<br>Cable and internet is 150<br>Transportation costs about $120<br>Food costs are only about $120 month<br>Boat Loan is 250<br>I pay around 75 to 100 a month on credit cards. |
What is your intended use for the loan proceeds? | My current car is starting to get old and I found a great deal on a good car that is way under the blue book value. I have test driven the car and it is in great shape mechanically and in body condition. |
If you have a delinquency in the last 2 years, please explain the reason. | I had a delinquency about 2 years ago on my boat loan because I was laid off from my job before that. It took me a few months to get a new job and then get caught up on bills. I stayed in contact with the loan company and worked with them on making my payments and getting caught up to avoid any legal action. I had some utility bills a few days late due to waiting for checks from contracts jobs to clear. |
Member Payment Dependent Notes Series 1408557
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408557 |
$9,000 |
$9,000 |
6.62% |
1.00% |
July 20, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408557. Member loan 1408557 was requested on July 7, 2012 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: | Wayne County | Debt-to-income ratio: | 17.86% |
Length of employment: | 10+ years | Location: | Goldsboro, NC |
Home town: | |||
Current & past employers: | Wayne County | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > above ground pool<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,387.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1408563
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408563 |
$12,000 |
$12,000 |
6.03% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408563. Member loan 1408563 was requested on July 7, 2012 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: | n/a | Debt-to-income ratio: | 8.30% |
Length of employment: | n/a | Location: | Hendersonville , NC |
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 7, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1980 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,297.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 14.80% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $425 -I have no medical insurance costs. They are covered 100% by the Veteran's Administration. |
What is the home improvement project you are planning? | I have already started it and paid a quarter if it. It is a total kitchen remodeling. The previous kitchen was 30 years old and disgusting. One of the best investments in a house is the kitchen and one must do it well. |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | Balance $138,500 3.5% pymt $1282 (I have a 15 year VA loan so I can pay off the principal quicker.). No other loans or HELOC. |
Member Payment Dependent Notes Series 1408614
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408614 |
$9,900 |
$9,900 |
8.90% |
1.00% |
July 20, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408614. Member loan 1408614 was requested on July 7, 2012 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: | GF Air & Ocean Services Inc. | Debt-to-income ratio: | 12.56% |
Length of employment: | 10+ years | Location: | Brooklyn, NY |
Home town: | |||
Current & past employers: | GF Air & Ocean Services Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > Credit card Consolidation. Just to consoliate all cards to one fix lump sum monthly payment at lower interest rate.<br><br> Borrower added on 07/10/12 > Funds solely use for credit cards consolidation. Those high interest rate cards consolidated will be cancelled immediately. A $365 monthly payment for 36 months for repayment of this loan is well within my comfortable budget. Lots of interest will be save from this loan.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $23,031.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 71.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Over all approx. $2000 per month |
Please explain the reason why you carry a large revolving credit balance. | Those were money spend for house renovation in within a year after purchasing the house last year. |
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 monthly payment is approx. $500 per month for total balance of approx. $15000. This loan is solely for credit card consolidation. Interest rate APR ranging from 16%- 23%. Most cards will be cancelled after the consolidation. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Over all approx. $2000 per month |
Please explain the reason why you carry a large revolving credit balance. | Those were money spend for house renovation in within a year after purchasing the house last year. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The loan is only use for one purpose. Which is for credit card consolidation. After consolidation. All consolidated cards account will be cancelled. |
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 monthly payment is approx. $500 per month for total balance of approx. $15000. This loan is solely for credit card consolidation. Interest rate APR ranging from 16%- 23%. Most cards will be cancelled after the consolidation. |
Which debts do you plan to pay off with this loan? | Credit card consolidation. Consolidated cards account will be closed after the consolidation. |
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 monthly payment is approx. $500 per month for total balance of approx. $15000. This loan is solely for credit card consolidation. Interest rate APR ranging from 16%- 23%. Most cards will be cancelled after the consolidation. |
Please explain the reason why you carry a large revolving credit balance. | Those were money spend for house renovation in within a year after purchasing the house last year. |
Member Payment Dependent Notes Series 1408671
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408671 |
$15,000 |
$15,000 |
18.75% |
1.00% |
July 20, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408671. Member loan 1408671 was requested on July 7, 2012 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: | n/a | Debt-to-income ratio: | 20.11% |
Length of employment: | n/a | Location: | Rochester, NY |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > To off my credit card high rate<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | 77 |
Revolving Credit Balance: | $12,421.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 81.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1408699
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408699 |
$4,850 |
$4,850 |
10.16% |
1.00% |
July 20, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408699. Member loan 1408699 was requested on July 7, 2012 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: | Early independent school district | Debt-to-income ratio: | 23.95% |
Length of employment: | 2 years | Location: | EARLY, TX |
Home town: | |||
Current & past employers: | Early independent school district | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > Paying for 7th grade daughter's cheer leading costs, which includes camp, uniforms, shoes and supplies. So while I was borrowing this money I decided to consolidate this with other small debts.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 12 |
Revolving Credit Balance: | $663.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 82.90% | 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)? | Mortgage 1300<br>Car Payment 600<br>Utilities 300<br>Phone 150<br>Groceries 600<br>Insurance provided through employer<br>Transportation covered by employer |
What is your intended use for the loan proceeds? | Our daughter tried out for cheerleader and made it. We are very proud that she took the iniative to try out but we had idea it would cost so much. With different uniforms and camp it was close to 2k. So applied for loan to pay for that and will use the other to pay off two credit cards that are around $400 each. |
If you have a delinquency in the last 2 years, please explain the reason. | The only delinquency I have is for Verizon and that was for phone/Internet at our home. The installation wasn't complete and we had no service, so after repeated attempts to correct the problem, I cancelled their service. Verizon continued sending bills and I disputed the charge with the company because we never had Internet service. However, my dispute was ignored and I paid the company to avoid further damage to my credit. |
If you have a public record on file, please briefly explain the event and its resolution. | I do not have a public record on file. |
Member Payment Dependent Notes Series 1408772
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408772 |
$14,000 |
$14,000 |
11.14% |
1.00% |
July 20, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408772. Member loan 1408772 was requested on July 7, 2012 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: | GE Capital | Debt-to-income ratio: | 5.42% |
Length of employment: | 2 years | Location: | Chappaqua, NY |
Home town: | |||
Current & past employers: | GE Capital | ||
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 7, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1986 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 43 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $73,549.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.30% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $2800.00 |
What is the home improvement project you are planning? | Family Room and Bathrooms |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | Balance: $457,000.00 Interest Rate: 4% Monthly Payments: $2100.00 |
Please explain the reason why you carry a large revolving credit balance. | home remodeling project |
Member Payment Dependent Notes Series 1408795
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408795 |
$24,925 |
$24,925 |
15.31% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408795. Member loan 1408795 was requested on July 9, 2012 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: | U.S. Army | Debt-to-income ratio: | 33.96% |
Length of employment: | 10+ years | Location: | San Antonio, TX |
Home town: | |||
Current & past employers: | U.S. Army | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > The loan that I m getting from your company will help consolidating and pay off all of my credit cards. By doing that I can save almost $500 a month and this loan will be pay off in three year!<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $31,660.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 91.00% | 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)? | About $2000 a month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have now approxmately $32000 in debt and my payment is about $1200-1300 a month.<br>These are the credit card interest rates between 18% to 21%. I have no morgage payment but I pay $1050 a month for house rent. |
Please explain the reason why you carry a large revolving credit balance. | I had to support my two daughters financially for college in California, and now one of them is out of school and working in the accounting field. So I am financially much better off now. And the other one is still in college, will be in Junior this fall. So the high credit card balance was due to my daughters settle in California. |
Please explain the reason why you carry a large revolving credit balance. | I had to support my two daughters financially for college in California, and now one of them is out of school and working in the accounting field. So I am financially much better off now. And the other one is still in college, will be in Junior this fall. So the high credit card balance was due to my daughters settle in California. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have now approxmately $32000 in debt and my payment is about $1200-1300 a month.<br>These are the credit card interest rates between 18% to 21%. I have no morgage payment but I pay $1050 a month for house rent. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have now approxmately $32000 in debt and my payment is about $1200-1300 a month.<br>These are the credit card interest rates between 18% to 21%. I have no morgage payment but I pay $1050 a month for house rent. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | About $1250-1400 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have now approxmately $32000 in debt and my payment is about $1200-1300 a month.<br>These are the credit card interest rates between 18% to 21%. I have no morgage payment but I pay $1050 a month for house rent. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have now approxmately $32000 in debt and my payment is about $1200-1300 a month.<br>These are the credit card interest rates between 18% to 21%. I have no morgage payment but I pay $1050 a month for house rent. |
Which debts do you plan to pay off with this loan? | All the credit cards I have. |
Member Payment Dependent Notes Series 1408836
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408836 |
$24,000 |
$24,000 |
22.95% |
1.00% |
July 23, 2012 |
July 21, 2017 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408836. Member loan 1408836 was requested on July 7, 2012 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: | Brennan BodyWorks Inc. | Debt-to-income ratio: | 16.14% |
Length of employment: | 8 years | Location: | Deltona, FL |
Home town: | |||
Current & past employers: | Brennan BodyWorks Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Outside deck/landscaping, tile inside of the house and consolidate credit cards.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | 7 |
Revolving Credit Balance: | $7,644.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 67.60% | 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)? | $2,700.00 |
What is the home improvement project you are planning? | Outside deck/ landscaping and tile the inside of the house |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | Balance $137,797.05, 5.00% and monthly payments are $1,050.05 |
If you have a delinquency in the last 2 years, please explain the reason. | Family reasons |
If you have a delinquency in the last 2 years, please explain the reason. | Family reasons |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Debt Consolidation,payoff loans,creditcards<br>Landscaping,Outside deck,Tile kitchen if possible |
If you have a delinquency in the last 2 years, please explain the reason. | Family reasons |
If you have a delinquency in the last 2 years, please explain the reason. | Family reasons |
If you have a delinquency in the last 2 years, please explain the reason. | Family reasons |
If you have a delinquency in the last 2 years, please explain the reason. | Family reasons |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Mortgage payment, insurance and taxes are combined into one monthly payment of $1,050 |
Is the improvement to your primary residence or an investment property? | primary residence |
What is your intended use for the loan proceeds? | Pay off credit cards and loans. Make some home improvements. |
If you have a delinquency in the last 2 years, please explain the reason. | Family reasons |
Member Payment Dependent Notes Series 1408842
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408842 |
$15,000 |
$15,000 |
8.90% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408842. Member loan 1408842 was requested on July 7, 2012 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: | amerigas propane | Debt-to-income ratio: | 19.14% |
Length of employment: | 10+ years | Location: | tamarac, FL |
Home town: | |||
Current & past employers: | amerigas propane | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > credit card consolodation<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,916.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 44.00% | 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 |
Which debts do you plan to pay off with this loan? | credit cards with high apr |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 2000 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | pay off doctor bills |
Please explain the reason why you carry a large revolving credit balance. | too many credit cards |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 650 rent food 400 per month car insurance 119 pe rmonth |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 2000 |
Please explain the reason why you carry a large revolving credit balance. | too many credit cards |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | no mortgage this is credit card consolidation with lower interst |
Member Payment Dependent Notes Series 1408844
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408844 |
$13,000 |
$13,000 |
13.11% |
1.00% |
July 20, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408844. Member loan 1408844 was requested on July 7, 2012 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: | Jackson Family Wines | Debt-to-income ratio: | 18.92% |
Length of employment: | 10+ years | Location: | SANTA ROSA, CA |
Home town: | |||
Current & past employers: | Jackson Family Wines | ||
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 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,574.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 52.30% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | House 931.26<br>Transportation gas, vehicles , insurance $557.58<br>Utilities PGE water garbage recycling Phone $222.00<br>Entertainment Netflix Internet TV $89.33<br>Credit Cards Chase BofA Nationwide Goodyear Best Buy $164.00<br>Food 125.00<br>Total Monthly Bills $2,089.17<br><br> Note<br>The above amounts represents my portion of the monthly expenditures. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Ford Focus Balance 25088<br> Ford F150 Balance 9283<br>All Credit cards Balance 10130<br>House Balance 284918<br>Total Debt Balance 329419 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | House 931.26<br>Transportation gas, vehicles , insurance $557.58<br>Utilities PGE water garbage recycling Phone $222.00<br>Entertainment Netflix Internet TV $89.33<br>Credit Cards Chase BofA Nationwide Goodyear Best Buy $164.00<br>Food 125.00<br>Total Monthly Bills $2,089.17<br><br> Note<br>The above amounts represents my portion of the monthly expenditures. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Ford Focus Balance 25088<br> Ford F150 Balance 9283<br>All Credit cards Balance 10130<br>House Balance 284918<br>Total Debt Balance 329419 |
Please explain the reason why you carry a large revolving credit balance. | I am not really quite sure if this is what you are asking, but the balance I listed for the credit cards is for multiple cards, not just one card with a large balance. I hope this answers your question. |
Member Payment Dependent Notes Series 1408883
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408883 |
$9,600 |
$9,600 |
7.62% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408883. Member loan 1408883 was requested on July 7, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,333 / month |
Current employer: | Forage | Debt-to-income ratio: | 9.84% |
Length of employment: | 3 years | Location: | LOS ANGELES, CA |
Home town: | |||
Current & past employers: | Forage | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Hello, even though I have excellent credit scores and never miss a payment, my 3 credit card APR's are 17-20%. I've asked for the APR to be lowered, but to no avail. If approved, the loan would help me to pay off my credit card debt in 2-3 years instead of 4-5 years. Thank you.<br><br> Borrower added on 07/16/12 > Thank you to everyone who have help funded this request thus far - highly appreciated.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1998 | 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: | $8,354.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.70% | 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)? | Hello, <br>here is the information requested: <br>rent - $1595<br>Car insurance - $135<br>school loans - $87<br>Credits cards - $374<br>Phone internet - $196<br>Website - $25<br>Utilities - $40<br>health Insurance - $500 <br>Groceries - $250<br>cat food - $50 <br>Gas - $175<br>Recreational - $200<br>Clothing - $80-120<br>If approved for the loan, it won't reduce the monthly payments; it will allow us to pay off our debts in 2-3 years vs. 4-5 years, and save me money in the long term. Thank you! |
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. | Hello, thank you for your interest. Here are the cards: BillMeLater - $3133.07, APR 19.99, minimum payment is $93.00 (I pay $100); Mastercard - $2918.07, APR 17.90, minimum payment is $74.00 (I pay $100); Visa - $3470.40, APR 17.24, minimum payment is $74.00 (I pay $100). If I'm accepted for this loan, it won't reduced my monthly credit card payments, but it will allow me to pay off my debt sooner (2 1/2 years to 3 years vs. 4-5 years) and save money in the long-term. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Hello, Total monthly that I pay is $374.00 for 4 credits cards. Only 3 am I including in this loan since my 4th one has a 0% APR fro another year, which I plan to pay off by next year. The other 3 credits cards have an annual APR of 17.24, 17.90 and 19.99% rate, which would take me about 4-5 years to pay off. If I'm approved for thr loan, it won't reduce my monthly payments, it will allow me to pay off my debt sooner. Thank you for asking and please let me know if you need anymore info. |
Member Payment Dependent Notes Series 1408943
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408943 |
$28,000 |
$28,000 |
18.75% |
1.00% |
July 20, 2012 |
July 27, 2017 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408943. Member loan 1408943 was requested on July 13, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,833 / month |
Current employer: | Department of the Navy | Debt-to-income ratio: | 14.75% |
Length of employment: | 5 years | Location: | Ridgecrest, CA |
Home town: | |||
Current & past employers: | Department of the Navy | ||
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 13, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 19 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 45 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $47,832.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 50.60% | 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)? | Monthly expenses prior to this loan opportunity were $4461.00. This includes mortgage payment, car payment, car insurance, utilities and lines of credit and orthodontist payments. |
Please explain the reason why you carry a large revolving credit balance. | Major life events caused the high balances. Separated 2010 and finalized the divorce in 2011. Expenses to get into a new house (appraisal, furniture, etc.,). I also met and moved out my new wife from Indiana to California. Now that we are settled in (and life is great) we are working to get ourselves back on track to being debt free. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Paying off the Discover Card ($12,500). My wife's and mine Wedding rings ($3800.00). Also will be paying for the balance of my son's braces ($2700.00) and the rest will be put on my BofA card ($14,250). This loan opportunity will also provide a set term for repayment. Not like with credit cards. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | House is $1002.00 a month. Car loan is $257 a month. Auto insurance is $125. Utilities average $400 a month. Average $250 for gas and food is about the same. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Lines of credit balances are at 45,500. Interest rates are from 7.9 to 24%. Mortgage is has a balance of $138,000 and is at 4%. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | House is $1002.00 a month. Car loan is $257 a month. Auto insurance is $125. Utilities average $400 a month. Average $250 for gas and food is about the same. |
Please explain the reason why you carry a large revolving credit balance. | Major life events caused the high balances. Separated 2010 and finalized the divorce in 2011. Expenses to get into a new house (appraisal, furniture, etc.,). I also met and moved out my new wife from Indiana to California. Now that we are settled in (and life is great) we are working to get ourselves back on track to being debt free. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | House is $1002.00 a month. Car loan is $257 a month. Auto insurance is $125. Utilities average $400 a month. Average $250 for gas and food is about the same. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Lines of credit balances are at 45,500. Interest rates are from 7.9 to 24%. Mortgage is has a balance of $138,000 and is at 4%. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | House is $1002.00 a month. Car loan is $257 a month. Auto insurance is $125. Utilities average $400 a month. Average $250 for gas and food is about the same. |
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 prior to this loan opportunity were $4461.00. This includes mortgage payment, car payment, car insurance, utilities and lines of credit and orthodontist payments. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Lines of credit balances are at 45,500. Interest rates are from 7.9 to 24%. Mortgage is has a balance of $138,000 and is at 4%. |
Member Payment Dependent Notes Series 1408965
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1408965 |
$22,400 |
$22,400 |
14.09% |
1.00% |
July 18, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1408965. Member loan 1408965 was requested on July 7, 2012 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: | Under Armour | Debt-to-income ratio: | 10.75% |
Length of employment: | < 1 year | Location: | SHAVERTOWN, PA |
Home town: | |||
Current & past employers: | Under Armour | ||
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 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $22,632.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.30% | 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)? | Monthly expenses are approximately $1200<br>- home is owned <br>-rental for weekly baltimore apartment (where I stay for work Tuesday thru Friday): $500 (includes utils)<br>-transportation is $400 per month<br>-food: $300<br>-cell is paid for by company |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Discover - $11K - 29.99%<br>Chase - $6,300 - 29.99%<br>Chase - $3,700 - 18.99<br>Orchard Bank - $900 (I can pay this off in one month) - 24.99% |
Please explain the reason why you carry a large revolving credit balance. | Financial situation had changed and could not pay credit card balance every month. Current financial situation is excellent and hope to use the consolidation loan to pay off all credit card balance and never have a large revolving credit balance again. |
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 approximately $1200<br>-own our home<br>-rental for weekly baltimore apartment (where I stay for work Tuesday thru Friday): $500 (includes utils)<br>-transportation is $400 per month<br>-food: $300<br>-cell is paid for by company |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | n/a |
Which debts do you plan to pay off with this loan? | All credit card debt<br>$11K discovoer<br>$6,300 - chase<br>$3,300 - chase |
Member Payment Dependent Notes Series 1409007
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409007 |
$5,000 |
$5,000 |
8.90% |
1.00% |
July 18, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409007. Member loan 1409007 was requested on July 7, 2012 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: | University of Florida WIC Program | Debt-to-income ratio: | 25.73% |
Length of employment: | 2 years | Location: | Gainesville, FL |
Home town: | |||
Current & past employers: | University of Florida WIC Program | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > It will refinance a personal loan taken for a family emergency last year at terms of $5000/5yr/25% ($150/mo). I hope to reduce my interest & length of loan. I have a steady income and job security as a state employee, with no dependents and minimal living expenses.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | 20 |
Revolving Credit Balance: | $4,811.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 41.80% | 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)? | Total $800-1000, depending on how much I spend on food eating out. |
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. | Included in my loan description, which has not yet posted, I stated the loan is to actually pay off a personal loan taken in July 2011 for a family emergency.<br><br>Amt financed: $5042.86<br>Current balance: $4,535.43<br>Term: 60 months<br>APR: 25.98%<br>Minimum due: $150.16<br><br>I am 12 months into repayment, including this month of July. This loan would significantly reduce my interest paid and shorten my term by 12 months. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I do not plan to pay off any credit cards, but a personal loan. From the selection of descriptions for the loan purpose, I felt "credit card refinancing" was most appropriate because I am in fact trying to refinance. If I receive the full amount of $5000 to payoff approximately $4500, the remainder would go to a credit card. The credit card to be paid will be a Mastercard with a balance of $711.34 at 19.24% APR, minimum payment of $25. |
If you have a delinquency in the last 2 years, please explain the reason. | I cannot think of any delinquencies. All my accounts are current. If there was any delinquency, it was most likely due to a lack of a monthly autopay feature. All my accounts except one (which does not offer it), are on autopay and draft payments from my checking account monthly. Because everything else is automatic, I may have forgotten to manually pay. |
Member Payment Dependent Notes Series 1409010
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409010 |
$4,500 |
$4,500 |
18.75% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409010. Member loan 1409010 was requested on July 10, 2012 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: | Allegro International service | Debt-to-income ratio: | 28.15% |
Length of employment: | 2 years | Location: | Lakewood , CA |
Home town: | |||
Current & past employers: | Allegro International service | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > looking to pay off all credit cards and have one payment with one interest, instead of multiple rates. this loan will be paid off at tax time I don't want any more monthly payments.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 660-678 | 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: | 8 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $3,428.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 95.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1409014
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409014 |
$7,000 |
$7,000 |
6.62% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409014. Member loan 1409014 was requested on July 7, 2012 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: | Apple bank | Debt-to-income ratio: | 12.00% |
Length of employment: | 10+ years | Location: | Bronx, NY |
Home town: | |||
Current & past employers: | Apple bank | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > I'm buying my first apartment and I need this money to fix da place up.it needs some little work done along with appliances and furniture,please help me make my dream come true!:-)<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 59 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $635.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 3.80% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My rent is 875,cable,phone ant Internet is 100 and food I would say about 100 also a month. |
What is the home improvement project you are planning? | I'm purchasing my first apartment and it needs some work! |
What is your intended use for the loan proceeds? | I need to get appliances for the kitchen(refrigerator,stove),the floors have to be done,paint and I need to buy furniture. |
What is your intended use for the loan proceeds? | I need to get appliances for the kitchen(refrigerator,stove),the floors have to be done,paint and I need to buy furniture. |
Member Payment Dependent Notes Series 1409078
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409078 |
$7,000 |
$7,000 |
7.90% |
1.00% |
July 19, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409078. Member loan 1409078 was requested on July 7, 2012 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: | BCBG Max Azria Group | Debt-to-income ratio: | 34.97% |
Length of employment: | 5 years | Location: | Arcadia, CA |
Home town: | |||
Current & past employers: | BCBG Max Azria Group | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > This loan is used for credit card consolidation. Try to pay off a high interest card. Also I will use a part of the loan to pay off a family medical bill. Thank you for investing in my loan! This is the second loan I have with LC. First loan is about to pay off without any late payments!<br><br> Borrower added on 07/16/12 > Just want to add some information. I can't say my loan rate provides the best return, and my credit score is the highest but I will make sure to pay off this loan within 36 months. I am hoping to improve the funding process. Thank you for considering investing in my loan! Your help is appreciated!<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | 21 |
Revolving Credit Balance: | $35,443.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 44.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Thank you for your questions! Below is a summary of my monthly expenses.<br>Rent: $1000<br>Trans: $500<br>Util: $50<br>Ph: $150<br>Ins: $200<br>Food: $200 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards balances: $28,000, rates are from 6.9% to 18.9%. <br>LC Loan balance: $2,000, rate is 10.9%.<br>No other debts! |
Please explain the reason why you carry a large revolving credit balance. | I could have lowered the balances but there were two funerals that I spent a lot money within one year. Also the medical bills too! But I am confident that I will pay off my balances within 2-3 years. |
If you have a delinquency in the last 2 years, please explain the reason. | I do not have any lates on LC loan for the last 3 years. As far as I recalled, I don't have any lates on the credit cards in the last 2 years. I might have 1 late but that was a honestly mistake since I thought I scheduled the payment and in fact it was not. And it was in my family emergency time frame. I hope you will understand. Thank you for thinking to invest in my loan and asking these questions! |
Member Payment Dependent Notes Series 1409161
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409161 |
$15,850 |
$15,850 |
7.90% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409161. Member loan 1409161 was requested on July 8, 2012 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: | Lma north america | Debt-to-income ratio: | 13.44% |
Length of employment: | 5 years | Location: | LEMON GROVE, CA |
Home town: | |||
Current & past employers: | Lma north america | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > To get out of debt Asap<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2004 | 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: | $2,417.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 13.70% | 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)? | Rent+utilities 300<br>Gas 200<br>Phone 80<br>Insurance 103<br>Food 200 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total debt is 16000.. Discover bank is 14000, and citi bank is 2000..interest rate is 12 and 18 |
Member Payment Dependent Notes Series 1409201
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409201 |
$31,825 |
$31,825 |
21.00% |
1.00% |
July 18, 2012 |
July 21, 2017 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409201. Member loan 1409201 was requested on July 7, 2012 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: | Dept. of Education New York City | Debt-to-income ratio: | 25.06% |
Length of employment: | 2 years | Location: | STATEN ISLAND, NY |
Home town: | |||
Current & past employers: | Dept. of Education New York City | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > I'll use the funds to start-up a business & pay-off high-rate CC. In my profession, responsibility has been always one of my attributes, paying bills are no exception. Monthly budget has been always my financial GPS. My job is pretty stable as it is in the education field, a necessary service.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | 71 |
Revolving Credit Balance: | $26,736.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.30% | 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)? | They are about $2,820. A breakdown follows: $1,600 for rent, $200 for transportation, $170 for utilities, $300 for cell, $400 for food and $150 for CTV/phone/internet. However, it should be noted that I contribute to these expenses about $950. |
Please explain the reason why you carry a large revolving credit balance. | My credit cards balances are up due to the costs related to the passing of my mom and my daughter going to college. There is a plan in place to bring those balances down to 50% of the approved credit limit by the end of 2012 and below 35% by mid 2013. |
If you have a delinquency in the last 2 years, please explain the reason. | For the last 2 years I have not had any delinquency as I've paid my creditors as agreed. |
What is your intended use for the loan proceeds? | Start-up a business and pay-off high-rate credit cards. |
Please explain the reason why you carry a large revolving credit balance. | My credit cards balances are up due to the costs related to the passing of my mom and my daughter going to college. There is a plan in place to bring those balances down to 50% of the approved credit limit by the end of 2012 and below 35% by mid 2013. |
What type of business are you starting? | Consulting. |
Please explain the reason why you carry a large revolving credit balance. | My credit cards balances are up due to the costs related to the passing of my mom and my daughter going to college. There is a plan in place to bring those balances down to 50% of the approved credit limit by the end of 2012 and below 35% by mid 2013. |
What type of business are you starting? | Consulting. |
Please describe your experience/familiarity with the business you are starting/started? | I have more than 15 years of experience in the industry with a proven record of success. Throughout my career I've been awarded with many commendations and awards for the outcome of my job and my expertise and knowledgeability in my field. Currently, there are many opportunities to fulfill an underserved market needs. |
Member Payment Dependent Notes Series 1409214
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409214 |
$3,125 |
$3,125 |
7.90% |
1.00% |
July 23, 2012 |
July 21, 2015 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409214. Member loan 1409214 was requested on July 7, 2012 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: | n/a | Debt-to-income ratio: | 26.30% |
Length of employment: | < 1 year | Location: | Windsor Mill, 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 July 7, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $22,262.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 68.80% | Months Since Last Record: | 7 |
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 monthly expenses are around $2300. |
Please explain the reason why you carry a large revolving credit balance. | I am carrying a large revolving credit balance on my visa credit cards only because I use them to fund my real estate investment business. The payments are made on time and are never late. |
If you have a public record on file, please briefly explain the event and its resolution. | To my knowledge, I do not have any public records on file. |
Member Payment Dependent Notes Series 1409241
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409241 |
$31,200 |
$31,200 |
23.28% |
1.00% |
July 23, 2012 |
July 21, 2017 |
July 21, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409241. Member loan 1409241 was requested on July 7, 2012 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: | Armstrong Group of Companies | Debt-to-income ratio: | 18.80% |
Length of employment: | 4 years | Location: | Beaver falls, PA |
Home town: | |||
Current & past employers: | Armstrong Group of Companies | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/07/12 > I am planning an upgrade of our kitchen and family room. I would like to keep the loan term short in order to pay off the balance quickly.<br><br> Borrower added on 07/10/12 > In my profile I noted 4 years of employment experience. I have worked for my current company for 4 years. Overall, I have 16 years of professional work experience.<br>
A credit bureau reported the following information about this borrower member on July 7, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 52 | Months Since Last Delinquency: | 53 |
Revolving Credit Balance: | $13,469.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.40% | 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)? | My monthly mortgage payment is $1300. This includes school tax, county tax, and home insurance. My monthly electric, water, sewage and power averages $300. My phone, Internet, and cable service are covered by my employer. I have a monthly cell phone bill of $200. A portion of this is offset by an allowance of $75 from my employer. My monthly car payments total $1200. A portion of this is also offset by a monthly $450 car allowance from my employer. Our monthly grocery budget is $800. |
Please explain the reason why you carry a large revolving credit balance. | I use my American Express Card for all expenses and pay it off in full each month. I have a plan to reduce other cards by 50% over the next 12 months and pay off the remainder over the next 24. |
What is the home improvement project you are planning? | I plan upgrade the kitchen and family room. I will perform demolition. Contractor will perform finish work. Kitchen will include upgrade to electric, new drywall, lighting fixtures, and cabinets. Family room is currently an extension that was built onto the home by the previous owner (very nice rustic look as my home is an older home, however not very energy efficient). It is a brick addition (even on the inside). The room will be finished with drywall and additional outlets will be added. |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | Balance is $167,000. Interest rate is 4%. Monthly payment is $1300. |
Please explain the reason why you carry a large revolving credit balance. | I use my American Express Card for all expenses and pay it off in full each month. I have a plan to reduce other cards by 50% over the next 12 months and pay off the remainder over the next 24. |
What is the home improvement project you are planning? | I plan upgrade the kitchen and family room. I will perform demolition. Contractor will perform finish work. Kitchen will include upgrade to electric, new drywall, lighting fixtures, and cabinets. Family room is currently an extension that was built onto the home by the previous owner (very nice rustic look as my home is an older home, however not very energy efficient). It is a brick addition (even on the inside). The room will be finished with drywall and additional outlets will be added. |
Please explain the reason why you carry a large revolving credit balance. | I use my American Express Card for all expenses and pay it off in full each month. I have a plan to reduce other cards by 50% over the next 12 months and pay off the remainder over the next 24. |
If you have a delinquency in the last 2 years, please explain the reason. | I am unaware of any delinquency over the past two years. Please let me know if I can answer any other questions. |
Please explain the reason why you carry a large revolving credit balance. | I use my American Express Card for all expenses and pay it off in full each month. I have a plan to reduce other cards by 50% over the next 12 months and pay off the remainder over the next 24. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly mortgage payment is $1300. This includes school tax, county tax, and home insurance. My monthly electric, water, sewage and power averages $300. My phone, Internet, and cable service are covered by my employer. I have a monthly cell phone bill of $200. A portion of this is offset by an allowance of $75 from my employer. My monthly car payments total $1200. A portion of this is also offset by a monthly $450 car allowance from my employer. Our monthly grocery budget is $800. |
Is this for a home improvement you have already made, or one that you are planning to make? | This is for a planned home improvement. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | 15000 is allocated to the kitchen upgrade. 10000 to the family room upgrade. 5000 will pay off the balance on my Lowes credit card bringing it to a 0 balance. I had previously purchased, wood flooring, ceramic tile, electrical, and drywall through Lowes. |
Member Payment Dependent Notes Series 1409344
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409344 |
$21,000 |
$21,000 |
14.09% |
1.00% |
July 18, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409344. Member loan 1409344 was requested on July 8, 2012 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: | NJ Treasury Department | Debt-to-income ratio: | 21.91% |
Length of employment: | 10+ years | Location: | LUMBERTON, NJ |
Home town: | |||
Current & past employers: | NJ Treasury 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 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 62 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $21,084.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.70% | 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 related to housing total $2153 - which includes 1st mortgage ($711); home equity loan ($815); townhouse association fee ($55); utilities ($206); property taxes ($334); and homeowner's insurance ($32). |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgages $220542; int rate 1st mtg is 2.75%/home equity loan 12.35%; mthly pmts total $1526. Credit Card Debt $26,664; int rates range from 8.99% to 19.99%; total minimum mthly pmts $597. Student Loans $47,953; int rate 3.875%; mthly pmt $346. Car Note $24603; int rate 2.90%; mthly pmt $662. Personal Loan $12332; int rate 25.99%; mthly pmt $386. |
Which debts do you plan to pay off with this loan? | Personal loan and two credit cards. All currently have very high interest rates so it would be very beneficial to pay them off within 3 years. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Currently monthly expenses total $4826, which includes housing, automobile, utilities, insurances, food, etc. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgages $220542; int rate 1st mtg is 2.75%/home equity loan 12.35%; mthly pmts total $1526. Credit Card Debt $26,664; int rates range from 8.99% to 19.99%; total minimum mthly pmts $597. Student Loans $47,953; int rate 3.875%; mthly pmt $346. Car Note $24603; int rate 2.90%; mthly pmt $662. Personal Loan $12332; int rate 25.99%; mthly pmt $386. |
Please explain the reason why you carry a large revolving credit balance. | Please note that all of my bills are paid on time each month. Most are paid ahead of schedule; many are paid through auto deductions from my bank account. Over the years I have had to deal with various financial issues including the ever increasing cost of everything -food, utilities, property taxes, auto fuel, etc. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgages $220542; int rate 1st mtg is 2.75%/home equity loan 12.35%; mthly pmts total $1526. Credit Card Debt $26,664; int rates range from 8.99% to 19.99%; total minimum mthly pmts $597. Student Loans $47,953; int rate 3.875%; mthly pmt $346. Car Note $24603; int rate 2.90%; mthly pmt $662. Personal Loan $12332; int rate 25.99%; mthly pmt $386. |
What is your intended use for the loan proceeds? | My intended use of the loan proceeds is to pay off a personal loan and two credit cards that have very high interest rates. |
Please explain the reason why you carry a large revolving credit balance. | Please note that all of my bills are paid on time each month. Most are paid ahead of schedule; many are paid through auto deductions from my bank account. Over the years I have had to deal with various financial issues including the ever increasing cost of everything -food, utilities, property taxes, auto fuel, etc. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgages $220542; int rate 1st mtg is 2.75%/home equity loan 12.35%; mthly pmts total $1526. Credit Card Debt $26,664; int rates range from 8.99% to 19.99%; total minimum mthly pmts $597. Student Loans $47,953; int rate 3.875%; mthly pmt $346. Car Note $24603; int rate 2.90%; mthly pmt $662. Personal Loan $12332; int rate 25.99%; mthly pmt $386. |
Which debts do you plan to pay off with this loan? | Personal loan and two credit cards. All currently have very high interest rates so it would be very beneficial to pay them off within 3 years. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | My intended use of the loan proceeds is to pay off a personal loan and two credits that have very high interest rates. |
Please explain the reason why you carry a large revolving credit balance. | Please note that all of my bills are paid on time each month. Most are paid ahead of schedule; many are paid through auto deductions from my bank account. Over the years I have had to deal with various financial issues including the ever increasing cost of everything -food, utilities, property taxes, auto fuel, etc. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgages $220542; int rate 1st mtg is 2.75%/home equity loan 12.35%; mthly pmts total $1526. Credit Card Debt $26,664; int rates range from 8.99% to 19.99%; total minimum mthly pmts $597. Student Loans $47,953; int rate 3.875%; mthly pmt $346. Car Note $24603; int rate 2.90%; mthly pmt $662. Personal Loan $12332; int rate 25.99%; mthly pmt $386. |
Please explain the reason why you carry a large revolving credit balance. | Please note that all of my bills are paid on time each month. Most are paid ahead of schedule; many are paid through auto deductions from my bank account. Over the years I have had to deal with various financial issues including the ever increasing cost of everything -food, utilities, property taxes, auto fuel, etc. |
Please explain the reason why you carry a large revolving credit balance. | Please note that all of my bills are paid on time each month. Most are paid ahead of schedule; many are paid through auto deductions from my bank account. Over the years I have had to deal with various financial issues including the ever increasing cost of everything -food, utilities, property taxes, auto fuel, etc. |
Member Payment Dependent Notes Series 1409351
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409351 |
$1,000 |
$1,000 |
13.11% |
1.00% |
July 19, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409351. Member loan 1409351 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,083 / month |
Current employer: | n/a | Debt-to-income ratio: | 4.62% |
Length of employment: | n/a | Location: | Los Angeles, 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 8, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | 33 |
Revolving Credit Balance: | $391.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 32.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1409390
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409390 |
$1,800 |
$1,800 |
12.12% |
1.00% |
July 19, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409390. Member loan 1409390 was requested on July 8, 2012 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: | acacia park nursing and rehab center | Debt-to-income ratio: | 16.98% |
Length of employment: | < 1 year | Location: | MODESTO, CA |
Home town: | |||
Current & past employers: | acacia park nursing and rehab 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 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 7 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,617.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1409413
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409413 |
$8,250 |
$8,250 |
15.80% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409413. Member loan 1409413 was requested on July 9, 2012 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: | Lezzer Holdings | Debt-to-income ratio: | 26.38% |
Length of employment: | 10+ years | Location: | BOALSBURG, PA |
Home town: | |||
Current & past employers: | Lezzer Holdings | ||
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, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | 22 |
Revolving Credit Balance: | $13,072.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.80% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 900. mortgage, auto 300., 175. utilities, 200. food |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The cards I am paying is 1-1800.00 at 28%. 1-2300.00 at 24.9%. Loan of 2100.00 at almost 40 %. My brother passed away several months ago and had to insurance. I needed cash for his funeral. |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquency except for a 48.00 verizon bill when I switched to Comcast. I paid but shows on credit report as late. |
Member Payment Dependent Notes Series 1409435
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409435 |
$7,000 |
$7,000 |
13.11% |
1.00% |
July 23, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409435. Member loan 1409435 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $12,750 / month |
Current employer: | Rent a Center | Debt-to-income ratio: | 1.30% |
Length of employment: | < 1 year | Location: | Keller, TX |
Home town: | |||
Current & past employers: | Rent a Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > Debt Consolidation.<br><br> Borrower added on 07/11/12 > Loan listing expires in: 10 days, 14 hours. and I only have 30% Funded. I Need help soon.<br><br> Borrower added on 07/12/12 > Loan listing expires in: 9 days, 20 hours. and I only have 35% Funded. Please I Need urgent help for Funding the loan.<br><br> Borrower added on 07/13/12 > Loan listing expires in: 8 days, 15 hours. and I only have 42% Funded. Please I Need urgent help for Funding the loan.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2007 | 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: | $6,059.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.80% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $2,100<br>Transportation - $300<br>Utilities - $400<br>Phone - $150<br>Insurance - $750 (Life, Cars & Health)<br>Food - $1,200<br>Cars - $0 two cars fully paid<br>Others - $600 |
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 Bank 12 months loan - $7,000 - 21% - $1,000 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Total minimun monthly payments $1,500 for all credit cards. This loan is $1,000 payoff 7 months rate 21% |
Member Payment Dependent Notes Series 1409578
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409578 |
$35,000 |
$35,000 |
22.95% |
1.00% |
July 23, 2012 |
July 22, 2017 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409578. Member loan 1409578 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $7,500 / month |
Current employer: | American Realty Advisors | Debt-to-income ratio: | 21.34% |
Length of employment: | < 1 year | Location: | SHERMAN OAKS, CA |
Home town: | |||
Current & past employers: | American Realty Advisors | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > My Loan is to consolidate and payoff credit card debt incurred while unemployed.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1992 | 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: | $34,910.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 93.10% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Monthly expenses total $1,500-$1,800. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current debt balances totals are $56K, which is composed of only credit card debt. I have no student loans, mortgages, car loans or lines of credit. |
Please explain the reason why you carry a large revolving credit balance. | A result of the economic conditions, in 2009 my employer took steps to reduce the size of the organization to meet its financial obligations/objectives and a result was the elimination of 10% of the staff. I was one of the individuals in the lay offs/re-organization of the firm. While unemployed (I was unemployed for 34 months) and looking for work I sustained myself with my savings and credit. Now back in the work force I wish to consolidate the credit debt incurred to have a single payoff. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current debt balances totals are $56K, which is composed of only credit card debt. I have no student loans, mortgages, car loans or lines of credit. |
Which debts do you plan to pay off with this loan? | I plan to pay off credit card debt I incurred as result of being laid off from my employer in 2008 because of the economic conditions at the time. |
Please explain the reason why you carry a large revolving credit balance. | A result of the economic conditions, in 2009 my employer took steps to reduce the size of the organization to meet its financial obligations/objectives and a result was the elimination of 10% of the staff. I was one of the individuals in the lay offs/re-organization of the firm. While unemployed (I was unemployed for 34 months) and looking for work I sustained myself with my savings and credit. Now back in the work force I wish to consolidate the credit debt incurred to have a single payoff. |
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 totals range between $1,500-$1,800; this included food, utilities, transportation, insurance, etc. I have no rent, no mortgages, no student loans, no car loans and no lines of credit. |
Please explain the reason why you carry a large revolving credit balance. | A result of the economic conditions, in 2009 my employer took steps to reduce the size of the organization to meet its financial obligations/objectives and a result was the elimination of 10% of the staff. I was one of the individuals in the lay offs/re-organization of the firm. While unemployed (I was unemployed for 34 months) and looking for work I sustained myself with my savings and credit. Now back in the work force I wish to consolidate the credit debt incurred to have a single payoff. |
Which debts do you plan to pay off with this loan? | I plan to pay off credit card debt I incurred as result of being laid off from my employer in 2008 because of the economic conditions at the time. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current debt balances totals are $56K, which is composed of only credit card debt. I have no student loans, mortgages, car 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)? | Current debt balances totals are $56K, which is composed of only credit card debt. I have no student loans, mortgages, car loans or lines of credit. |
Which debts do you plan to pay off with this loan? | I plan to pay off credit card debt I incurred as result of being laid off from my employer in 2008 because of the economic conditions at the time. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | I am not making a mortgage payment the house is paid off. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The purpose of the loan is to pay off credit card debt. The debt balances totals $56K. |
Member Payment Dependent Notes Series 1409594
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409594 |
$18,500 |
$18,500 |
21.00% |
1.00% |
July 20, 2012 |
July 22, 2017 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409594. Member loan 1409594 was requested on July 8, 2012 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: | Wells Fargo Advisors, LLC | Debt-to-income ratio: | 27.78% |
Length of employment: | 7 years | Location: | Saint Louis, MO |
Home town: | |||
Current & past employers: | Wells Fargo Advisors, LLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > This loan is intended to consolidate high-interest credit card debt. The debt was incurred in large part as the result of contributing to the payment of costs of private primary, secondary and graduate school tuition for my 3 daughters, two of whom graduated summa cum laude.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 39 |
Revolving Credit Balance: | $19,788.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.30% | 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)? | I can not see the Investor side of this listing, however the question you are asking....has previously been asked and I gave a detailed answer. If this information is not showing, please let me know and I will contact customer service. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The balances (with interest rates higher than this loan contemplates) on 9 credit cards total $18,566 at an average rate of 23.49%. The balances (with interest rates lower than this loan contemplates) on 2 credit cards total $2009 at 12.90% and 17.90%. There is 1 interest-free credit card (Until April 2013) with a balance of $2350. I am not a contractual party to any student loan, mortgage or line of credit. |
Please explain the reason why you carry a large revolving credit balance. | Large revolving credit balance developed since mid-2008 when interest rates to a number of cards increased substantially to APRs in the mid 20s from their original high single-digit and low double-digit APRs. This occurring despite a spotless record of moderate usage and timely payments At the same time, private education costs and related living expenses for 3 daughters increased substantially as well and those amounts, for lack of free cash flow, were added to revolving credit accounts. |
Member Payment Dependent Notes Series 1409598
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409598 |
$10,000 |
$10,000 |
14.09% |
1.00% |
July 19, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409598. Member loan 1409598 was requested on July 8, 2012 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: | Lifespan Corporate | Debt-to-income ratio: | 15.02% |
Length of employment: | 8 years | Location: | RIVERSIDE, RI |
Home town: | |||
Current & past employers: | Lifespan Corporate | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > Debt & Wedding Expense Consolodation<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 41 | Months Since Last Delinquency: | 46 |
Revolving Credit Balance: | $8,178.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 73.10% | 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 |
Which debts do you plan to pay off with this loan? | Credit cards and wedding expenses |
Member Payment Dependent Notes Series 1409643
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409643 |
$12,000 |
$12,000 |
6.03% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409643. Member loan 1409643 was requested on July 8, 2012 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: | Telvent | Debt-to-income ratio: | 4.45% |
Length of employment: | 5 years | Location: | Ellicott City, MD |
Home town: | |||
Current & past employers: | Telvent | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > It is time for me to get a motocycle again. Took a break to focus on going back to school, family, and career.<br><br> Borrower added on 07/08/12 > I have over 20 years of M/Cycle experience, but have not had a bike in over 10 years. I have been focused on my family and career, but now my cars are all paid off and I have over 50% equity in my home. It's time for a little 'me' time!<br><br> Borrower added on 07/11/12 > Full comprehensive insurance coverage with liability and collision for the bike is $30/month<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1986 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,362.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 10.30% | 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)? | Monthly expenses:<br>Mortgage: $2063<br>Utilities (Gas& ELectric): $175<br>Cable/TV/Internet: $200<br>Insurance: Home and Cars: $250<br>Child College Fund: $250<br>Student Loan: $50<br>Health Club $130<br>Home Maint: $250<br>Credit Cards: $250<br>Groceries: $500<br>Transport Fuel&Maint: $260 |
What are you buying? | An immaculate 2008 Victory Vegas Jackpot with under 5,00 miles and extras |
Please explain the reason why you carry a large revolving credit balance. | I ocassionally use 0% credit card balance transfers to fund home imporovement and upgrade projects. Even with a 3% transfer fee, it is a lot cheaper than interfering with my investment portfolio. And I pay them down before the promotional period expires. That's why I have a credit score of 828 |
Member Payment Dependent Notes Series 1409669
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409669 |
$9,350 |
$9,350 |
10.16% |
1.00% |
July 18, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409669. Member loan 1409669 was requested on July 8, 2012 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: | Fink family medical | Debt-to-income ratio: | 21.96% |
Length of employment: | 1 year | Location: | East Islip, NY |
Home town: | |||
Current & past employers: | Fink family medical | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Hi there!<br>I'm Looking just to consolidate 3 credit cards into one monthly payment with a better interest rate than the cards have. Thank you for helping me out!<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $16,316.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1,900 per month |
Member Payment Dependent Notes Series 1409685
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409685 |
$20,000 |
$20,000 |
12.12% |
1.00% |
July 24, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409685. Member loan 1409685 was requested on July 8, 2012 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: | SDIreland Concrete | Debt-to-income ratio: | 20.43% |
Length of employment: | 10+ years | Location: | BARRE, VT |
Home town: | |||
Current & past employers: | SDIreland Concrete | ||
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 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1981 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | 58 |
Revolving Credit Balance: | $32,040.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 71.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1409729
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409729 |
$10,000 |
$10,000 |
16.29% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409729. Member loan 1409729 was requested on July 8, 2012 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: | US Bank | Debt-to-income ratio: | 31.23% |
Length of employment: | 4 years | Location: | Las Vegas, NV |
Home town: | |||
Current & past employers: | US Bank | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > I have been gainfully employed with a fortune 500 company in Las Vegas, NV area for the last 4 years. I currently own one primary residence for the last 4.5 years. I am seeking a debt consolidation loan to payoff higher interest credit cards ranging from 16-21.90%APR. I will repay this debt in full.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $31,193.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses include:<br><br>Well Fargo Home Mortgage: 1611 <br>Transportation 100-125 Gas<br>Food 100-200<br>All Vehicles: Paid off<br>Insurance/Phone/Utilities are paid by spouse<br>Credit Cards and LOC: Minimum monthly payment of approx 250<br>No Equity Products |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Wells Fargo Home Mortgage $259,000 5% APR<br>Wells Fargo CC $631 19.85% APR Limit 3000.00<br>US Bank CC $4177 19.99% APR Limit 5000.00<br>US Bank LOC $475 12.99% APR Limit 500.00 (Employee Rate)<br>US Bank LOC $1365 12.99 APR Limit 1500.00 (Employee Rate) <br>Citibank CC $2325 16.99 APR Limit 3000.00 |
Please explain the reason why you carry a large revolving credit balance. | I carry a large revolving credit balance because I used my credit cards to pay for graduate school expenses over a 2.5 year.I have really only been making minimum payment on my credit cards since accruing the large balances. UNLV Graduate School expenses totaled $2495 per class with books included. I took a total of 33 units or 11 classes totaling approx $27445. Graduated in Dec of 2011 from UNLV with an Master of Hospitality Administration. I plan to pay off all unsecured debt with this loan. |
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 include:<br><br>Well Fargo Home Mortgage: 1611 <br>Transportation 100-125 Gas<br>Food 100-200<br>All Vehicles: Paid off<br>Insurance/Phone/Utilities are paid by spouse<br>Credit Cards and LOC: Minimum monthly payment of approx 250<br>No Equity Products |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Wells Fargo Home Mortgage $259,000 5% APR<br>Wells Fargo CC $631 19.85% APR Limit 3000.00<br>US Bank CC $4177 19.99% APR Limit 5000.00<br>US Bank LOC $475 12.99% APR Limit 500.00 (Employee Rate)<br>US Bank LOC $1365 12.99 APR Limit 1500.00 (Employee Rate) <br>Citibank CC $2325 16.99 APR Limit 3000.00 |
Member Payment Dependent Notes Series 1409767
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409767 |
$20,000 |
$20,000 |
23.28% |
1.00% |
July 24, 2012 |
July 22, 2017 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409767. Member loan 1409767 was requested on July 8, 2012 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: | Admyr Wireline | Debt-to-income ratio: | 21.50% |
Length of employment: | 4 years | Location: | Monroe, LA |
Home town: | |||
Current & past employers: | Admyr Wireline | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/14/12 > This consolidaton will put in effect a definite payoff timing without the temptation to pay little more than a "minimum" payment simply to make sure the bill(s) get paid on time. I'd rather pay lending club members interest with one payment per month than each of the banks and retailers.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 42 |
Revolving Credit Balance: | $24,590.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | We have no rent, we do have two car payments amounting to approximately $500/Mo. Utilities, phone and insurance run something under $600/Mo. which includes car insurance. We do not have a budget set amount for food but have a family of four and go out to eat about once a week. |
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. | We have two Visa Cards, a Master Card and a Discover Card. We also have a Sears, Stage, Beals, Dress Barn and Home Depot (and probably a couple more but I don't have the list in front of me). The requested loan amount is calculated to pay these off and greatly simplify our monthly check writing. The interest rates on the bank cards are close to what the LendingClub rate is, apparently because one of them received a late payment (a day or two!) at some time in the past. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | At such time this loan goes through there will be no more payments due to the credit cards except in cases where the balance(s) developed in any given month will be paid off each month. |
Please explain the reason why you carry a large revolving credit balance. | Thank you for your interest. There's no particular reason but this might be inherent with many accounts to deal with each month. A priority of getting all of the payments out on time over actually scheduling a payoff on these accounts has been apparent and if that keeps up these things will never get paid off. The loan requested here does schedule a payoff as opposed to "revolving" and this will be helpful in greatly simplifying monthly book keeping once the other accounts are put to rest. |
What is the total balance of your credit cards, interest rates and current monthly payments? | The credit card balances approximatley total the same as the loan request of $20,000. The average interest rate is about the same as the loan provides for, however, I highly suspect that the scheduled repayment of the LendingClub loan will be met much sooner than our managing to pay off each of the credit cards considering our historic lack of discipline in scheduling such payoffs. Current payments are undefined except as to the minimum required, but that's what the problem seems to be. |
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. | We have two Visa Cards, a Master Card and a Discover Card. We also have a Sears, Stage, Beals, Dress Barn and Home Depot (and probably a couple more but I don't have the list in front of me). The requested loan amount is calculated to pay these off and greatly simplify our monthly check writing. The interest rates on the bank cards are close to what the LendingClub rate is, apparently because one of them received a late payment (a day or two!) at some time in the past. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | At such time this loan goes through there will be no more payments due to the credit cards except in cases where the balance(s) developed in any given month will be paid off each month. |
What is the total balance of your credit cards, interest rates and current monthly payments? | The credit card balances approximatley total the same as the loan request of $20,000. The average interest rate is about the same as the loan provides for, however, I highly suspect that the scheduled repayment of the LendingClub loan will be met much sooner than our managing to pay off each of the credit cards considering our historic lack of discipline in scheduling such payoffs. Current payments are undefined except as to the minimum required, but that's what the problem seems to be. |
Member Payment Dependent Notes Series 1409812
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409812 |
$10,000 |
$10,000 |
22.47% |
1.00% |
July 19, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409812. Member loan 1409812 was requested on July 8, 2012 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: | n/a | Debt-to-income ratio: | 25.94% |
Length of employment: | n/a | Location: | YACHATS, OR |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > To consolidate and clear numerous credit card debt. Tear up those pesky credit cards and pay at a lower rate. Can pay this loan off in 3 years and not take forever to payoff those credit cards. Remove the temptation to continue to use the credit cards.<br><br> Borrower added on 07/08/12 > Paying off credit cards to remove the temptation of continuing to use. Allowing to payoff in 3 years at a lower interest rate.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1992 | 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: | $26,734.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.50% | 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:$900.00; Transportation:$120.00; Utilities:$170.00; phone:100.00;insurance:130.00;food: $350.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards: $800.00; Car Loan $320.00 |
Please explain the reason why you carry a large revolving credit balance. | Too many side purchases ie clothes, household furniture and items |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent:$900.00; Transportation:$120.00; Utilities:$170.00; phone:100.00;insurance:130.00;food: $350.00 |
Please explain the reason why you carry a large revolving credit balance. | Too many side purchases ie clothes, household furniture and items |
Which debts do you plan to pay off with this loan? | Approximately 8-10 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: $800.00; Car Loan $320.00 |
If you have a delinquency in the last 2 years, please explain the reason. | WE have tried to make any payments in a timely manner, however, there may have been a time when the payment was mailed late.AT this time nothing comes to mine. |
If you have a public record on file, please briefly explain the event and its resolution. | To the best of my knowledge there is no public record event on file |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Our main purpose is the payoff several credit cards which have a higher interest rate and a longer term. This will allow us to destroy the 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)? | Rent $900.00; Insurance $130.00; Utilities $300.00 |
Member Payment Dependent Notes Series 1409824
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409824 |
$7,875 |
$7,875 |
11.14% |
1.00% |
July 24, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409824. Member loan 1409824 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,333 / month |
Current employer: | MID CAPE HOME CENTERS | Debt-to-income ratio: | 30.69% |
Length of employment: | 8 years | Location: | BREWSTER, MA |
Home town: | |||
Current & past employers: | MID CAPE HOME CENTERS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I know that i would make a good borrower. I have held long term car loans in the past,I am currently in the last year of a 5 year loan right now. I have always stayed true to all of my loans. I make my payments on time, and I have never had any loan or account go into collection.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2003 | 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: | $12,239.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.10% | 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)? | I mainly have credit card debt. I have a discover card with a limit of $4000 and a balance $3562.00 That i pay $120 a month towards.I also have a chase card with a limit of $1700 and a balance of around $900 That i pay $150 a month towards, and i have a bank of america credit card with a $13,000 limit with a balance of around $6,000 i pay $200 a month.<br>Plus i currently have a car loan through TD Bank that is $418.19 a month |
Please explain the reason why you carry a large revolving credit balance. | All of the debt built up so fast in the past year, and is so spread out,that i am never able to put enough towards just one account to make that much of a difference. If my debt was not spread throughout multiple accounts then i would be able to focus on just the one or two accounts and pay more then what was asked or pay enough to cover the peyment,the intrest and then some extra. |
Member Payment Dependent Notes Series 1409853
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409853 |
$10,000 |
$10,000 |
12.12% |
1.00% |
July 19, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409853. Member loan 1409853 was requested on July 8, 2012 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: | Beth Israel Deaconess Medical Center | Debt-to-income ratio: | 23.06% |
Length of employment: | 3 years | Location: | BRIGHTON, MA |
Home town: | |||
Current & past employers: | Beth Israel Deaconess Medical Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > I'm a recent college graduate who has a little too much student loan and CC debt with high interest rates! I am trying to pay these down faster with a lower interest rate. I have been employed since graduating school 3 years ago and am just looking for a little extra help!<br><br> Borrower added on 07/09/12 > I am a recent college graduate with a steady full-time job, who has high interest credit card debt, along with student loans. In order to pay off my credit debt faster and without the interest charges, I need some help. Monthly expenses: ~$1000 (rent, groceries, insurance, transportation).<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,638.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 78.80% | 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)? | Rent: 800<br>Transportation costs ~ 50/month<br>Utilities included in rent<br>Phone paid for by parent<br>Insurance paid by father's employer<br>Food ~125-150/month<br><br>Total expenses around $1000-$1200 |
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, 5200, 29.99 APR, min pymt 175<br>Visa, 4600, 15.00 APR, min pymt 79 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | 255/month minimum with high outstanding balance due to high interest charges. This loan will be higher minimum per month with a much lower interest rate. I pay more than minimum on CCs currently but struggle to pay down quickly with high interest rate. |
Please explain the reason why you carry a large revolving credit balance. | I am unable to pay off the principal balance on my credit card since my interest rate is close to thirty percent. I used this credit card to help support myself throughout college. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: 800<br>Transportation costs ~ 50/month<br>Utilities included in rent<br>Phone paid for by parent<br>Insurance paid by father's employer<br>Food ~125-150/month<br><br>Total expenses around $1000-$1200 |
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, 5200, 29.99 APR, min pymt 175<br>Visa, 4600, 15.00 APR, min pymt 79 |
Member Payment Dependent Notes Series 1409876
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409876 |
$19,200 |
$19,200 |
21.98% |
1.00% |
July 24, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409876. Member loan 1409876 was requested on July 8, 2012 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: | Verizon Wireless | Debt-to-income ratio: | 17.14% |
Length of employment: | 2 years | Location: | Selinsgrove, PA |
Home town: | |||
Current & past employers: | Verizon Wireless | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Just want one payment a month and piece of mind to get this debt paid off once and for all and quickly!<br><br> Borrower added on 07/17/12 > This is the best loan ever! Easy payments that are lower then my currently monthly credit card payments now, which will allow me to pay this loan off sooner! So relieved..<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 43 | Months Since Last Delinquency: | 26 |
Revolving Credit Balance: | $8,578.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 43.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 575 monthly utilities are around 100.. phone is free from work.. I work two mins from home so about $50 every two and a half weeks for gas and about $50 every two weeks on food. |
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. | Several of them are store cards roughly 8.. but I also have 3 visas 2 MasterCard and 1 discover |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Right now everything I put out for all Bill combined is about 1200.00 wo rent so this will be a huge help and relief. |
If you have a delinquency in the last 2 years, please explain the reason. | I have no delinquency on my credit cards. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Right now everything I put out for all Bill combined is about 1200.00 wo rent so this will be a huge help and relief. |
What is the total balance of your credit cards, interest rates and current monthly payments? | Balances are up around 18000 and the interest amounts range from around 20-30% on each card with the exception on the card through my credit union which is 9% and currently I pay about 1100 monthly in credit card bills. I feel like paying the minimum just isn't cutting it any longer, just tired and frustrated want simplicity! |
Please explain the reason why you carry a large revolving credit balance. | Its multiple cards and also loans for a car and credit refinancing from about a year ago.. just want 1 payment to get rid of everything instead of so many payments across the board. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent is 575 monthly utilities are around 100.. phone is free from work.. I work two mins from home so about $50 every two and a half weeks for gas and about $50 every two weeks on food. |
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. | Several of them are store cards roughly 8.. but I also have 3 visas 2 MasterCard and 1 discover |
What is the total balance of your credit cards, interest rates and current monthly payments? | Balances are up around 18000 and the interest amounts range from around 20-30% on each card with the exception on the card through my credit union which is 9% and currently I pay about 1100 monthly in credit card bills. I feel like paying the minimum just isn't cutting it any longer, just tired and frustrated want simplicity! |
Member Payment Dependent Notes Series 1409878
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409878 |
$9,450 |
$9,450 |
7.62% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409878. Member loan 1409878 was requested on July 8, 2012 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: | CIGNA INSURANCE | Debt-to-income ratio: | 7.68% |
Length of employment: | 1 year | Location: | Rowlett, TX |
Home town: | |||
Current & past employers: | CIGNA INSURANCE | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > Consolidating credit cards debt to make one payment. Thanks for your interest in funding, you will not be dissapointed.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | 55 |
Revolving Credit Balance: | $9,080.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I shared expenses with my wife as we both work. So, my part of mortagage is $400 a month, $120 in transportation, $250 in utilities (including cellphone), $150 for insurance, $70 a month for school loan, $150 for food, and $100 for eating out. Thanks for considering investing. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 3 major accounts. 1 revolving credit that we owe $5,000. This card was used to buy travel airfares for the family due to a recent emergency in Mexico. 1 Home Improvement store card, $1,500, used to renovations at home, and $2,000 in a bank loan to repair the foundation of our home. The loan was for $7,000, but we only owe $2,000. There are about $500 in other 2 cards. We would like to eliminate several payments and make 1 payment a month with a set interest rate. Thanks for considering funding |
Please explain the reason why you carry a large revolving credit balance. | We had an unexpected emergency in our Family and had to travel back and forth out of the country, so we had to use credit to purchase plane tickets for my family. Additionally, we are trying to include a lowes credit card we used to remodel our flooring. Thanks for considering investing. |
Member Payment Dependent Notes Series 1409903
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409903 |
$7,025 |
$7,025 |
7.90% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409903. Member loan 1409903 was requested on July 8, 2012 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: | Mevio | Debt-to-income ratio: | 4.27% |
Length of employment: | 3 years | Location: | Oakland, CA |
Home town: | |||
Current & past employers: | Mevio | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > I'm trying to purchase a hard to find, limited production 2007 Ducati Sport 1000 biposto motorcycle. For the most discerning motorcyclist with fine taste in style, class and character.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 3 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 16 |
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 |
What are you buying? | I'm trying to purchase a 2007 Ducati Sport 1000 motorcycle. No longer in production and highly sought after by discerning motorcyclist. You may have seen this bike in the 2010 movie Tron: Legacy. |
If you have a delinquency in the last 2 years, please explain the reason. | If I've had a delinquency it was most likely because I didn't schedule an auto pay system with the lender. I prefer auto payments so that I'm always on time and the money goes directly to the bank. |
Member Payment Dependent Notes Series 1409973
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409973 |
$5,600 |
$5,600 |
16.29% |
1.00% |
July 18, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409973. Member loan 1409973 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,250 / month |
Current employer: | n/a | Debt-to-income ratio: | 10.09% |
Length of employment: | n/a | Location: | Tampa, 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 07/08/12 > pay some cards off vacation<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2005 | 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: | $9,217.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 49.60% | 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)? | 500.00 live with with mother in law my wife take care of her |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 500.00 live with with mother in law my wife take care of her |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 500.00 live with with mother in law my wife take care of her |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 500.00 live with with mother in law my wife take care of her |
Member Payment Dependent Notes Series 1409988
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1409988 |
$20,000 |
$20,000 |
12.12% |
1.00% |
July 19, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1409988. Member loan 1409988 was requested on July 8, 2012 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: | Florida Power & Light Co. | Debt-to-income ratio: | 23.92% |
Length of employment: | 6 years | Location: | MIAMI, FL |
Home town: | |||
Current & past employers: | Florida Power & Light Co. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > Just got married. Just bought a house. Would like to pay off wedding and home improvement debt faster, with a lower interest rate.<br><br> Borrower added on 07/08/12 > Have been employed with the same company for 6+ years. All loan and credit card payments have been made in a timely manner.<br><br> Borrower added on 07/08/12 > I plan to use my funds to consolidate my credit card and loan debt. I have had stable, secure employment with the same company for over 6 years. I would like to consolidate my debt so that I can reduce the amount that I am paying in interest, as well as pay my debt off faster.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2005 | 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: | $14,491.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.90% | 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)? | 3120.00 (mortgage, car payment, line of credit, credit card payments, cellphone, insurance, and all of the household expenses such as food and utilities) |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage: $124,533.23; 5.12% fixed int rate; Monthly payment including escrow for insurance & prop. taxes: $1047.56. <br>Lexus Financial Car Payment Lease (36 months)- Pay off amount: $36482.16; $579.83 monthly;<br>Chase Credit Card - $6,059.61; Int.: 13.24%; $144.00 payment; <br>Citi Card - $4382.30; Int.: 19.99%; $110.00 payment<br>Discover Card - $917.96; Int.: 18.84%; $40.00 payment<br>Discover Loan - $10,100 approx. Int. rate approx 19%, $595.00 monthly<br>Lowes Card- $3319.38; Int. 0%; $121.00 monthly |
Please explain the reason why you carry a large revolving credit balance. | Purchased a home which needed improvements, unforseen wedding expenses, and a dental emergency. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage: $124,533.23; 5.12% fixed int rate; Monthly payment including escrow for insurance & prop. taxes: $1047.56. <br>Lexus Financial Car Payment Lease (36 months)- Pay off amount: $36482.16; $579.83 monthly;<br>Chase Credit Card - $6,059.61; Int.: 13.24%; $144.00 payment; <br>Citi Card - $4382.30; Int.: 19.99%; $110.00 payment<br>Discover Card - $917.96; Int.: 18.84%; $40.00 payment<br>Discover Loan - $10,100 approx. Int. rate approx 19%, $595.00 monthly<br>Lowes Card- $3319.38; Int. 0%; $121.00 monthly |
Which debts do you plan to pay off with this loan? | I plan to pay off three credit cards (two of which have an interest rate of 19%). I would also like to pay off my personal loan with Discover, which has an interest rate of approx 19% as well. I am looking to consolidate these so I can reduce the interests and become debt free sooner. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Mortgage: $1047.00 (including property taxes and insurance). <br>Homeowner's Associations: $172.00<br>Electric: $115.00 <br>Water: $35.00 <br>Cable/Internet: $140.00<br><br>Monthly Total: $1509.00 |
Member Payment Dependent Notes Series 1410094
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410094 |
$14,400 |
$14,400 |
8.90% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410094. Member loan 1410094 was requested on July 9, 2012 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: | Gentiva Health Services | Debt-to-income ratio: | 26.61% |
Length of employment: | 4 years | Location: | fort walton beach, FL |
Home town: | |||
Current & past employers: | Gentiva Health Services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I want to obtain a loan to pay off the IRS for my 2009, 2010 and 2011 taxes, I am on a payment plan, but I function better and pay things off quicker when they are on a set payment plan. I'm also including two other small bills in this consolidation, two in which will be paid and closed/finished.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 46 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $32,067.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.20% | 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)? | $2200, 1100, 400, 210, 155, 300. respectively |
Member Payment Dependent Notes Series 1410190
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410190 |
$10,300 |
$10,300 |
11.14% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410190. Member loan 1410190 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,475 / month |
Current employer: | Applus Technologies | Debt-to-income ratio: | 19.39% |
Length of employment: | 10+ years | Location: | FAIRVIEW HEIGHTS, IL |
Home town: | |||
Current & past employers: | Applus Technologies | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/14/12 > The past year it has been a difficult one for me and before I knew it I was way over my head in debt. I have come up with a budget with the help of this loan that will able me to get back on my feet.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2005 | 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: | $16,719.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 41.20% | 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? | consolidate creditcards from expenses due to medical and childcare expenses that I had to pay. I have been lucky enough to have a chance to raise two grandaughters ages 4 and 6. When everything happened I was trying to juggle it all till I realized I had to get back on track and make a budget . This money will help do that. Instead of $650.00 a month going out it will only be $380.00. |
Please explain the reason why you carry a large revolving credit balance. | The past year of my life I have had alot of stumbling blocks. each month seem to bring more problems til it became a vicious circle of death make your monthly payments just to turn around and have to use it agian. I have made up a budget to get back on track and I believe it will work with the help of the lending club loan. |
What is your intended use for the loan proceeds? | consolidate creditcards from expenses due to medical and childcare expenses that I had to pay. I have been lucky enough to have a chance to raise two grandaughters ages 4 and 6. When everything happened I was trying to juggle it all till I realized I had to get back on track and make a budget . This money will help do that. Instead of $650.00 a month going out it will only be $380.00. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: $382.00, Transportation: $180.00, Utilities: $229.00, Phone: $95.00, Insurance: $75.00, Internet: $25.00, Food: $480.00 |
Please explain the reason why you carry a large revolving credit balance. | The past year of my life I have had alot of stumbling blocks. each month seem to bring more problems til it became a vicious circle of death make your monthly payments just to turn around and have to use it agian. I have made up a budget to get back on track and I believe it will work with the help of the lending club loan. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I have $16,000.00 dollars of debt I have been approved for $10,000.00 . All my bills but one credit card is going to be paid off and that card is no interest for a year. I do have an Insurance check that I am going to apply to that credit card and it will cut that dept in half. With the loan from the lending club and my balance left on the credit card I believe I can get them paid back quuickly. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: $382.00, Transportation: $180.00, Utilities: $229.00, Phone: $95.00, Insurance: $75.00, Internet: $25.00, Food: $480.00 |
Member Payment Dependent Notes Series 1410194
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410194 |
$6,000 |
$6,000 |
12.12% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410194. Member loan 1410194 was requested on July 9, 2012 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: | Airline | Debt-to-income ratio: | 29.79% |
Length of employment: | 7 years | Location: | TAMPA, FL |
Home town: | |||
Current & past employers: | Airline | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > My loan is to get rid of 3 credit cards that raised their rates on me. Credit card companies are the devil. I want to pay them off and cut them up and never use a credit card again. With this loan it will make me do just that. My payments are too high with all 3 cards.This payment is just right!<br><br> Borrower added on 07/11/12 > My loan is to get rid of 3 credit cards that raised their rates on me. Credit card companies are the devil. I want to pay them off and cut them up and never use a credit card again. With this loan it will allow me to do that. You have my promise that I NEVER miss payments or pay late on anything.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
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: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,879.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 45.60% | 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)? | Loan is funded. |
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:) Citibank raised their rate to 22%. I have 2000.00 in debt with a minimum payment of 80.00 a month.<br>Credit card 2:) AmericanExpress rate is 23%. I have a balance of 3,000.00 due with a minimum payment of 80.00 a month.<br>Credit card 3:) CapitalOne rate is 19%. I have a balance of 1200.00 due with a minimum payment of 55.00 due a month. |
Member Payment Dependent Notes Series 1410264
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410264 |
$5,600 |
$5,600 |
15.80% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410264. Member loan 1410264 was requested on July 8, 2012 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: | IS Help | Debt-to-income ratio: | 16.00% |
Length of employment: | 3 years | Location: | Seattle, WA |
Home town: | |||
Current & past employers: | IS Help | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > Just want to consolidate two credit cards for a loan that is of lower interest and with a payment plan.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2008 | 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: | $4,599.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 56.10% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - 390/mo.<br>Transportation - 132/3mo.<br>Utilities - 10-40/mo.<br>Phone - 100/mo.<br>Insurance - 0/mo.<br>Food - ~200-300/mo.<br>Leisure - ~200-300/mo. |
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 - 2,000 - 24%+ APR min ~60/mo.<br>Visa - 3,100 - 24%+ APR min ~70/mo.<br>Discover - 1,400 - 0% APR min ~70/mo. (new balance transfer) |
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 for all cards is roughly 200 a month. If including this loan, the total minimum payments will be roughly 270. |
Member Payment Dependent Notes Series 1410266
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410266 |
$18,000 |
$18,000 |
7.90% |
1.00% |
July 23, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410266. Member loan 1410266 was requested on July 8, 2012 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: | HealthSouth Rehab | Debt-to-income ratio: | 13.65% |
Length of employment: | 5 years | Location: | Texarkana, TX |
Home town: | |||
Current & past employers: | HealthSouth Rehab | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > One monthly payment with lower interest rate.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2001 | 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: | $15,567.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.10% | 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)? | Mortg $1,168 Electric $400, phone, cell, DSL $350, vehicle pymts $1,216, Insurance $272, Loan CFOS 521.03, Credit Cards $315, Dish $115, Food $ 800, Gas $900, Medical $200 |
Member Payment Dependent Notes Series 1410334
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410334 |
$13,025 |
$13,025 |
17.77% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410334. Member loan 1410334 was requested on July 9, 2012 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: | Allstate Dealer Services | Debt-to-income ratio: | 13.80% |
Length of employment: | < 1 year | Location: | JACKSONVILLE, FL |
Home town: | |||
Current & past employers: | Allstate Dealer Services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > My fiance and I just moved to a new town. I have started on a great job, but I have some debt from the move and college that I would like to consolidate. When my fiance graduates from grad school in a few weeks, things will stabilize a lot. Until then, I would like to continue improving my credit.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
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: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,340.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.80% | 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)? | All per month: Rent - $1100, Transportation - $100, Utilities - $120, phone - $70, insurance - $60, Food - $130, Security system - $50, so all together around 1700, with some room for rounding. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit card - $6000, averaging 20%, Student Debt - $4000, in default, Student Loans - $21000, 14% |
Member Payment Dependent Notes Series 1410349
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410349 |
$11,300 |
$11,300 |
18.49% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410349. Member loan 1410349 was requested on July 8, 2012 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: | guy r. resch, dds | Debt-to-income ratio: | 24.36% |
Length of employment: | 10+ years | Location: | ROSE HILL, KS |
Home town: | |||
Current & past employers: | guy r. resch, dds | ||
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 8, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2001 | 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: | $17,978.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 82.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1410430
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410430 |
$16,450 |
$16,450 |
15.80% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410430. Member loan 1410430 was requested on July 10, 2012 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: | Sterling-Rice Group | Debt-to-income ratio: | 23.74% |
Length of employment: | 5 years | Location: | BOULDER, CO |
Home town: | |||
Current & past employers: | Sterling-Rice Group | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Debt consolidation. One easy payment to get my debt down faster.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,230.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 80.20% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | • Transportation: $100 per/mo<br>• Utilities: $150 per/mo<br>• Phone: $175 per/mo<br>• Food: $350 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | • Credit Cards are $15,000 for all of them. Interest ranges from 13 to 21 percent<br>• Mortgage $1000 per/mo <br>• Student Loan: $6500 monthly payment is $75.00 |
Which debts do you plan to pay off with this loan? | All credit debt. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Paying down all credit card debt completely. |
Please explain the reason why you carry a large revolving credit balance. | Honestly, it just got away from me, and now it is time to get the debt paid down and save for my future. |
What is your intended use for the loan proceeds? | Pay off credit card debt completely. |
Member Payment Dependent Notes Series 1410432
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410432 |
$27,050 |
$27,050 |
22.47% |
1.00% |
July 18, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410432. Member loan 1410432 was requested on July 9, 2012 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: | UBS Financial Services Inc | Debt-to-income ratio: | 22.37% |
Length of employment: | 4 years | Location: | FARMERS BRANCH, TX |
Home town: | |||
Current & past employers: | UBS Financial Services Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I am investing in a staffing business with a college friend of mine. This will primarily be used for marketing costs as well as equipment to support our contracts and pursue future contracts will factories and distribution centers.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $26,224.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 86.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1410439
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410439 |
$16,000 |
$16,000 |
21.49% |
1.00% |
July 23, 2012 |
July 22, 2017 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410439. Member loan 1410439 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $4,583 / month |
Current employer: | Pike electric | Debt-to-income ratio: | 21.86% |
Length of employment: | 5 years | Location: | FORT GAY, WV |
Home town: | |||
Current & past employers: | Pike electric | ||
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 8, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2005 | 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: | $7,165.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.80% | 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 current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Ok, credit cards including the ones with major purchases like heating & air, etc. : card A- 1684.83/ monthly payment 155, card b- 3,827.33 with mp 265, card c- 1,719 with mp 96, card d- 648.09 with mp 35, card e- 964.63 with mp 45, card f- 2585.78 with mp 100, card g- 172.27 with mp 25, card h- 840.86 with mp 50. 2500 left on the mortgage 170 a month. Also a truck payment but not paying it off. If you still need the credit line and interest I can get it tomorrow evening. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Ok, credit cards including the ones with major purchases like heating & air, etc. : card A- 1684.83/ monthly payment 155, card b- 3,827.33 with mp 265, card c- 1,719 with mp 96, card d- 648.09 with mp 35, card e- 964.63 with mp 45, card f- 2585.78 with mp 100, card g- 172.27 with mp 25, card h- 840.86 with mp 50. 2500 left on the mortgage 170 a month. Also a truck payment but not paying it off. If you still need the credit line and interest I can get it tomorrow evening. |
Please explain the reason why you carry a large revolving credit balance. | A large part is a wedding band set and a heating and cooling system, also a lot of stuff went on credit cards while I was in school. |
Please explain the reason why you carry a large revolving credit balance. | A large part is a wedding band set and a heating and cooling system, also a lot of stuff went on credit cards while I was in school. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Other than what i'm using the loan to pay off its : insurance-170, cell-124, groceries 100-150 weekly, tv& internet- 125, water-33, electric 90-120 during the summer, gas 30 weekly, vehicle 564. I think that's all. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Other than what i'm using the loan to pay off its : insurance-170, cell-124, groceries 100-150 weekly, tv& internet- 125, water-33, electric 90-120 during the summer, gas 30 weekly, vehicle 564. I think that's all. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Almost 13,000 will go to paying off creditcards and a home loan and a dr bill and then i want to keep $1000 to help pay one months bills with bc i just graduated and started a really good job i just needed help catching up with things. The rest i may just pay back towards the loan or keep for emergencies. |
Member Payment Dependent Notes Series 1410484
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410484 |
$10,000 |
$10,000 |
15.80% |
1.00% |
July 20, 2012 |
July 22, 2017 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410484. Member loan 1410484 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,825 / month |
Current employer: | SAPHOTONICS | Debt-to-income ratio: | 11.55% |
Length of employment: | 2 years | Location: | FREMONT, CA |
Home town: | |||
Current & past employers: | SAPHOTONICS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Goal is to reduce two high balance credit cards. After loan is paid off, will obtain second loan to reduce smaller balance cards. First consolidation around 10k, second consolidation less than 1k. Third option still in planning stage is an in-law room complete with bathroom,kitchen,shower. Loan tbd<br><br> Borrower added on 07/10/12 > Thank you all investors, this concept is amazing. I hope to be an investor soon, but first I must get some closure on debts.<br><br> Borrower added on 07/10/12 > Thank you all investors, this concept is amazing. I hope to be an investor soon, but first I must get some closure on debts.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,157.00 | 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 current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have two major goals, Discover Card- $8000, WalMart discover under$4000. My citi card debt is under $1000. I will eliminate a car debt getting rid of 2004 Sequoia, that will Fred up $400 month bill. I'm renting my rear den for $750 /mo. I expect to pay off this loan soon then work on other smaller debts (less than $2000) |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | About $4100, goal is to eliminate two high interest credit balances, other variable bills such as cable tv , internet, can be sacrificed money saved can be applied to pay off loan earlier. Other cost reductions include smart use of electricity & water to have low bills. Other cost reduction include minimizing name brand purchase of consumables. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have two major goals, Discover Card- $8000, WalMart discover under$4000. My citi card debt is under $1000. I will eliminate a car debt getting rid of 2004 Sequoia, that will Fred up $400 month bill. I'm renting my rear den for $750 /mo. I expect to pay off this loan soon then work on other smaller debts (less than $2000) |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | About $4100, goal is to eliminate two high interest credit balances, other variable bills such as cable tv , internet, can be sacrificed money saved can be applied to pay off loan earlier. Other cost reductions include smart use of electricity & water to have low bills. Other cost reduction include minimizing name brand purchase of consumables. |
Please explain the reason why you carry a large revolving credit balance. | Historically I don't let them get large balances,I usually use my large tax return to pay off credit charges incurred during the year. We had some non recurring expenses and used the credit cards for this. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have two major goals, Discover Card- $8000, WalMart discover under$4000. My citi card debt is under $1000. I will eliminate a car debt getting rid of 2004 Sequoia, that will Fred up $400 month bill. I'm renting my rear den for $750 /mo. I expect to pay off this loan soon then work on other smaller debts (less than $2000) |
Which debts do you plan to pay off with this loan? | I have two Discover cards, one issued through Walmart and the other directly from Discover. Thank you for the question. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have two major goals, Discover Card- $8000, WalMart discover under$4000. My citi card debt is under $1000. I will eliminate a car debt getting rid of 2004 Sequoia, that will Fred up $400 month bill. I'm renting my rear den for $750 /mo. I expect to pay off this loan soon then work on other smaller debts (less than $2000) |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | My mortgage payment includes taxes and homeowners insurance. these are put in escrow during the year. totalling about $2600. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have two major goals, Discover Card- $8000, WalMart discover under$4000. My citi card debt is under $1000. I will eliminate a car debt getting rid of 2004 Sequoia, that will Fred up $400 month bill. I'm renting my rear den for $750 /mo. I expect to pay off this loan soon then work on other smaller debts (less than $2000) |
Member Payment Dependent Notes Series 1410500
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410500 |
$5,075 |
$5,075 |
12.12% |
1.00% |
July 24, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410500. Member loan 1410500 was requested on July 8, 2012 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: | MTA | Debt-to-income ratio: | 23.38% |
Length of employment: | 10+ years | Location: | ASTORIA, NY |
Home town: | |||
Current & past employers: | MTA | ||
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 June 14, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1991 | 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: | $10,916.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.00% | 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)? | I will bundle up my current debt and pay them down in one fixed amount |
Member Payment Dependent Notes Series 1410506
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410506 |
$20,400 |
$20,400 |
12.12% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410506. Member loan 1410506 was requested on July 8, 2012 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: | Village of south holland | Debt-to-income ratio: | 6.80% |
Length of employment: | 3 years | Location: | Thornton, IL |
Home town: | |||
Current & past employers: | Village of south holland | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > Private school and wedding expenss<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 41 | Months Since Last Delinquency: | 70 |
Revolving Credit Balance: | $17,959.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.60% | 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 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Private catholic high school is $17,800 for 2 children this year. The rest for eldest sons wedding in June 2013. |
Please provide additional details regarding the purpose of the loan. | Catholic High school for a Freshman and a Senior (one year both together) and oldest sons wedding contribution (3,000) |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Home expenses are mortgage including interest, taxes and insurance are 1675.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Electric, gas 150.00 no phone- provided by employer as is insurance and car. food 150 week. |
What is your intended use for the loan proceeds? | catholic high school 2 students senior and freshman |
Please explain the reason why you carry a large revolving credit balance. | for work expenses and travel that is eventually reimbursed |
Member Payment Dependent Notes Series 1410526
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410526 |
$10,000 |
$10,000 |
11.14% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410526. Member loan 1410526 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,739 / month |
Current employer: | Robert Bosch LLC | Debt-to-income ratio: | 22.35% |
Length of employment: | 8 years | Location: | NORTH CHARLESTON, SC |
Home town: | |||
Current & past employers: | Robert Bosch LLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I would like to consoldate all my credit cards into one bill<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,657.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 41.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expense runs around 560.00 a month my daughter who lives with me goes half on all bills |
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 balance is around 10326.00.Some interest rates are around 17.24 others are lower .payments total are aroubd 320.00 but i always double or triple the payments |
Please explain the reason why you carry a large revolving credit balance. | I took that loan out for my daughter and she is about six month ahead she will pay it off before its due |
Member Payment Dependent Notes Series 1410530
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410530 |
$10,000 |
$10,000 |
11.14% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410530. Member loan 1410530 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,583 / month |
Current employer: | United Automobile Insurance Company | Debt-to-income ratio: | 9.00% |
Length of employment: | < 1 year | Location: | PLANTATION, FL |
Home town: | |||
Current & past employers: | United Automobile Insurance 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 July 8, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $11,490.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 36.20% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage + Insurance + HOA: $2100<br>Car + Gas + Tolls: $520<br>Utilities: $270<br>Phone: $50<br>Insurance: $260<br>Food: $600 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage: $229,000 (balance), 5.25% (rate), $1400 (payment)<br>Credit Cards: $11,000, 14% - 23%, $270 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage: $229,000 (balance), 5.25% (rate), $1400 (payment)<br>Credit Cards: $11,000, 14% - 23%, $270 |
Which debts do you plan to pay off with this loan? | Credit cards debt ranging from 13% - 18% interest rate |
Member Payment Dependent Notes Series 1410556
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410556 |
$20,400 |
$20,400 |
7.90% |
1.00% |
July 20, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410556. Member loan 1410556 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,833 / month |
Current employer: | Philadelphia Distilling | Debt-to-income ratio: | 28.32% |
Length of employment: | 5 years | Location: | Downingtown, PA |
Home town: | |||
Current & past employers: | Philadelphia Distilling | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > Thank you for your consideration. I plan on using these funds to get out from under my 22% Credit card. I always make payments but get no where. Ive never missed a car/credit card payment. Ive been at my job for 5 years. I came into this trouble when my father became ill. I appreciate any help.<br><br> Borrower added on 07/14/12 > I really appreciate everyone who has invested in me. I am forever grateful. I will not let anyone who invests in me down. I am commited to getting out of debt and one day becoming an investor through this site. Thank you again<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2006 | 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: | $15,969.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 83.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1410594
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410594 |
$19,600 |
$19,600 |
17.27% |
1.00% |
July 19, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410594. Member loan 1410594 was requested on July 8, 2012 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: | Ponzio Fitness Holdings; LLC | Debt-to-income ratio: | 3.08% |
Length of employment: | 1 year | Location: | Lawrenceville, GA |
Home town: | |||
Current & past employers: | Ponzio Fitness Holdings; LLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > I have worked in helth and fitness my whole life. This loan will allow me to establish my brand in the Atlanta Metro area, by giving me the opportunity to purchase the marketing and tools I need to really make this venture a success.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | 65 |
Revolving Credit Balance: | $5,051.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 24.90% | 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)? | Thank you for your question.<br><br>Currently I'm paying:<br>Rent: $600<br>Cable: $100<br>Health Ins: $150<br>Car Ins: $50<br>Gas: $300<br>Groceries: $350<br>Phone: $50<br>Utilities: $75<br>Haircuts: $36<br><br>Total: $1711 |
Member Payment Dependent Notes Series 1410596
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410596 |
$9,600 |
$9,600 |
8.90% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410596. Member loan 1410596 was requested on July 9, 2012 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: | Brandes Investment Partners | Debt-to-income ratio: | 20.25% |
Length of employment: | 4 years | Location: | SAN DIEGO, CA |
Home town: | |||
Current & past employers: | Brandes Investment Partners | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > My loan will be used to payoff high interest rate credit cards and eliminate debt. Getting married in a couple months and even though I will not be debt free by the wedding, I now have a plan in place.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | 42 |
Revolving Credit Balance: | $9,560.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1410661
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410661 |
$28,000 |
$28,000 |
7.62% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410661. Member loan 1410661 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,583 / month |
Current employer: | ACES Xavier | Debt-to-income ratio: | 10.40% |
Length of employment: | < 1 year | Location: | Stevens Point, WI |
Home town: | |||
Current & past employers: | ACES Xavier | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > I would like to be able to transfer my credit card balances (incurred when two of my sons were in college and I was in grad school) to a lower rate of interest. I like the thought of being done with this burden in just 3 years!<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1979 | 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: | $33,426.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 30.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1410669
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410669 |
$7,200 |
$7,200 |
7.90% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410669. Member loan 1410669 was requested on July 9, 2012 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: | Apptix | Debt-to-income ratio: | 13.59% |
Length of employment: | 5 years | Location: | PEMBROKE PINES, FL |
Home town: | |||
Current & past employers: | Apptix | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I've been paying credit cards for years. I wish to consolidate all into a single payment, saving interest fees.<br><br> Borrower added on 07/12/12 > Never had a late payment<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2005 | 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: | $5,708.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.20% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Adding them all together:<br><br>Rent $500 (utilities included)<br>Phone $ 65<br>Gas $140<br>Insurance $140<br>Food, varies but about $350<br><br>Then I pay about $600 in credit card, which will turn into roughly $200 a month if i can get this loan |
Member Payment Dependent Notes Series 1410708
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410708 |
$5,500 |
$5,500 |
7.62% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410708. Member loan 1410708 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,200 / month |
Current employer: | Ball Corporation | Debt-to-income ratio: | 6.98% |
Length of employment: | < 1 year | Location: | Fort Worth, TX |
Home town: | |||
Current & past employers: | Ball Corporation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I am requesting this loan to purchase a 1973 Volkswagen Beetle. I've always wanted to buy one of these cars and it so happens that this opportunity to buy it came by. This vehicle is in excellent conditions and no further maintenance is needed, its just what I've been looking for.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 47 | Months Since Last Delinquency: | 18 |
Revolving Credit Balance: | $1,049.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 4.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1410732
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410732 |
$15,000 |
$15,000 |
22.95% |
1.00% |
July 24, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410732. Member loan 1410732 was requested on July 9, 2012 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: | JP Morgan Chase | Debt-to-income ratio: | 11.41% |
Length of employment: | 3 years | Location: | SOuth Ozone Park, NY |
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 07/11/12 > My loan is primarily for debt consolidation purposes. Thank You.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
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): | 0 |
Total Credit Lines: | 52 | Months Since Last Delinquency: | 73 |
Revolving Credit Balance: | $1,769.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 22.10% | 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 currently monthly expenses total to 850 a month. <br>Rent- 500<br>Transportation- 100<br>Food- 150<br>Utilities- 100 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | As far as housing related expenses I just have rent totalling $500 a month. No other expenses. |
Which debts do you plan to pay off with this loan? | I plan to pay off credit card debts that I have accumulated. Cards that are held at banks that are about 17,000. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I plan to use it for emergency funding purposes, perhaps vacationing or inital investment for business purposes for the future. |
Which debts do you plan to pay off with this loan? | I plan to pay off credit card debts that I have accumulated. Cards that are held at banks that are about 17,000. |
Which debts do you plan to pay off with this loan? | I plan to pay off credit card debts that I have accumulated. Cards that are held at banks that are about 17,000. |
Member Payment Dependent Notes Series 1410748
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410748 |
$15,000 |
$15,000 |
14.09% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410748. Member loan 1410748 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $3,167 / month |
Current employer: | mountain star | Debt-to-income ratio: | 19.71% |
Length of employment: | 10+ years | Location: | Glen Daniel , WV |
Home town: | |||
Current & past employers: | mountain star | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Pay off credit cards<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 19 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $16,328.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 77.00% | 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 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 Card Master Card Home Depot Retail Serices Jtv Preferred Account Big Sandy Northern Tool |
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 Card Master Card Home Depot Retail Serices Jtv Preferred Account Big Sandy Northern Tool |
Member Payment Dependent Notes Series 1410754
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410754 |
$11,000 |
$11,000 |
6.03% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410754. Member loan 1410754 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,833 / month |
Current employer: | Finney, Stagnaro, Saba and Patterson Co. | Debt-to-income ratio: | 15.88% |
Length of employment: | < 1 year | Location: | Dayton, KY |
Home town: | |||
Current & past employers: | Finney, Stagnaro, Saba and Patterson Co. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Paying off my 12% Second Mortgage that the bank wouldn't refinance for me after 8 years of paying a horrible rate.<br><br> Borrower added on 07/13/12 > 1st Mtg 700.00 (Taxes & insur escrowed) 2nd Mtg 300.00 Phone 50 Car 250 Gas 180 Elect 75 Student Loan 50<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1995 | 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: | $4,272.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 8.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1410776
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410776 |
$6,075 |
$6,075 |
10.16% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410776. Member loan 1410776 was requested on July 9, 2012 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: | Camden Property Trust | Debt-to-income ratio: | 24.64% |
Length of employment: | 6 years | Location: | CHARLOTTE, NC |
Home town: | |||
Current & past employers: | Camden Property 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 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,112.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.00% | 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)? | rent $650, transportation $260, utilities $100, phone $65, insurance $100 (car&renters), and food around $150. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Around $8,000 total credit card debt and monthly payments are about $300 total. |
Which debts do you plan to pay off with this loan? | As much credit card debt as possible. |
Member Payment Dependent Notes Series 1410778
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410778 |
$14,125 |
$14,125 |
13.11% |
1.00% |
July 23, 2012 |
July 22, 2015 |
July 22, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410778. Member loan 1410778 was requested on July 8, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,950 / month |
Current employer: | Assessors Office | Debt-to-income ratio: | 24.73% |
Length of employment: | 10+ years | Location: | Houma, LA |
Home town: | |||
Current & past employers: | Assessors Office | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/08/12 > My husband passed away two years ago so I would to consolidate my credit card bills. Some amounts are high, I used my credit cards to pay for some of the funeral expenses, doctor bills and attorney fees.<br>
A credit bureau reported the following information about this borrower member on July 8, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1986 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | 13 |
Revolving Credit Balance: | $22,210.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 50.60% | 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)? | Mortgage $ 1,292.58 month<br>Utilities $ 472.00<br>Insurance $ 120.00 |
Please explain the reason why you carry a large revolving credit balance. | Had ti hire an attorney when my husband passed away because his brother challenged his will, payment was required so I used a credit card. Other expenses related to his death. |
Which debts do you plan to pay off with this loan? | All but one |
If you have a delinquency in the last 2 years, please explain the reason. | I don't remember having any but if I did that may have been when was husband was dying or had just passed away. |
Please explain the reason why you carry a large revolving credit balance. | Had ti hire an attorney when my husband passed away because his brother challenged his will, payment was required so I used a credit card. Other expenses related to his death. |
If you have a delinquency in the last 2 years, please explain the reason. | I don't remember having any but if I did that may have been when was husband was dying or had just passed away. |
Member Payment Dependent Notes Series 1410983
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1410983 |
$8,900 |
$8,900 |
12.12% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1410983. Member loan 1410983 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,417 / month |
Current employer: | Kate Mantilini | Debt-to-income ratio: | 13.20% |
Length of employment: | 5 years | Location: | WEST HILLS, CA |
Home town: | |||
Current & past employers: | Kate Mantilini | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/17/12 > My loan is to pay off credit card debt and lower my monthly payments by $400.00 so I can start saving for my future.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,763.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 48.50% | 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)? | My current monthly expenses are $2100. |
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 minimum payments combined on all cards is $700.00. This loan would buy out that debt and my payments would be $296.00 for three years and that pays everything off including the interest. |
What is your intended use for the loan proceeds? | To pay off debt with out of control interest rates fast and get back on track. |
Please explain the reason why you carry a large revolving credit balance. | Most of it is from when I was a bit younger. Creative endeavors, emergency travel to help family, and to cover bills I had. Now I have a steady good job I am ready to knock out this debt at a lower interest rate and move on. |
Member Payment Dependent Notes Series 1411078
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411078 |
$19,575 |
$19,575 |
10.16% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411078. Member loan 1411078 was requested on July 9, 2012 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: | Acme Markets | Debt-to-income ratio: | 30.48% |
Length of employment: | 10+ years | Location: | QUEEN ANNE, MD |
Home town: | |||
Current & past employers: | Acme Markets | ||
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, 2012:
Credit Score Range: | 714-749 | 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: | 12 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $18,282.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Including everything that i can think of, I would say about 2200. |
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 - (seven thousand seventeen dollars) - 16.990% - min payment 164.75 <br>Visa - (nine thousand three hundred fifty eight dollars) - 14.74% - min payment 207<br>Visa (one thousand two under forty one dollars) - 24.99% - min payment 27<br>Visa - (six hundred ninety five dollars) - 25.99% - min payment 35 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | the total min monthly payments all together would be $434 |
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 - (seven thousand seventeen dollars) - 16.990% - min payment 164.75 <br>Visa - (nine thousand three hundred fifty eight dollars) - 14.74% - min payment 207<br>Visa (one thousand two under forty one dollars) - 24.99% - min payment 27<br>Visa - (six hundred ninety five dollars) - 25.99% - min payment 35 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | all together, around 2200. |
What is the total balance of your credit cards, interest rates and current monthly payments? | Mastercard - (seven thousand seventeen dollars) - 16.990% - min payment 164.75<br>Visa - (nine thousand three hundred fifty eight dollars) - 14.74% - min payment 207<br>Visa (one thousand two under forty one dollars) - 24.99% - min payment 27<br>Visa - (six hundred ninety five dollars) - 25.99% - min payment 35 |
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 - (seven thousand seventeen dollars) - 16.990% - min payment 164.75 <br>Visa - (nine thousand three hundred fifty eight dollars) - 14.74% - min payment 207<br>Visa (one thousand two under forty one dollars) - 24.99% - min payment 27<br>Visa - (six hundred ninety five dollars) - 25.99% - min payment 35 |
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 - (seven thousand seventeen dollars) - 16.990% - min payment 164.75 <br>Visa - (nine thousand three hundred fifty eight dollars) - 14.74% - min payment 207<br>Visa (one thousand two under forty one dollars) - 24.99% - min payment 27<br>Visa - (six hundred ninety five dollars) - 25.99% - min payment 35 |
Member Payment Dependent Notes Series 1411094
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411094 |
$17,000 |
$17,000 |
18.75% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411094. Member loan 1411094 was requested on July 9, 2012 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: | Loanspring Financial, Inc. | Debt-to-income ratio: | 4.18% |
Length of employment: | 1 year | Location: | SAN DIEGO, CA |
Home town: | |||
Current & past employers: | Loanspring Financial, 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 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 38 |
Revolving Credit Balance: | $10,647.00 | 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 are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Card #1: $9,140, 29.99%, Payment $260<br>Credit Card #2: $4,360, 19.00%, Payment $125<br>Credit Card #3: $1,989, 19.00%, Payment $50<br>Credit Card #4: $950, 29.99%, Payment $70<br>Credit Card #5: $487, 14.15%, Payment $35 |
Member Payment Dependent Notes Series 1411115
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411115 |
$6,000 |
$6,000 |
14.33% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411115. Member loan 1411115 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,750 / month |
Current employer: | Chemlogix LLC | Debt-to-income ratio: | 7.35% |
Length of employment: | 6 years | Location: | WOODBURY, NJ |
Home town: | |||
Current & past employers: | Chemlogix LLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Pay off credit cards<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1996 | 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: | $5,300.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.80% | 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 |
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 1 - MasterCard, Balance $5033, Rate 23.99%, Min pmt $126<br>Card 2 - Mastercard, Balnce $612, Rate 23.99%, Min pmt $45 |
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 1 - MasterCard, Balance $5033, Rate 23.99%, Min pmt $126<br>Card 2 - Mastercard, Balnce $612, Rate 23.99%, Min pmt $45 |
Member Payment Dependent Notes Series 1411138
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411138 |
$19,000 |
$19,000 |
21.98% |
1.00% |
July 18, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411138. Member loan 1411138 was requested on July 9, 2012 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: | Spirit Airlines | Debt-to-income ratio: | 23.73% |
Length of employment: | 7 years | Location: | Pembroke Pines, FL |
Home town: | |||
Current & past employers: | Spirit Airlines | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > We just purchased a new home in need of a new roof.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 24 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 53 | Months Since Last Delinquency: | 8 |
Revolving Credit Balance: | $13,925.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 27.80% | 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 |
If you have a delinquency in the last 2 years, please explain the reason. | none |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | I have 4 mortgage loans: 415000, 3.75%, 3400 // 89000, 4.25%, 900 // 70000, 4.5%, 475 // 210000, 4.75%, 1800. The 415000 is our new primary residence, the 89000 is an investment property with a heloc we used to pay off all revolving debt, the 70000 is an investment property, and the 210000 is our former primary residence. Both investment properties have long term leases that more than cover the mortgages. |
If you have a delinquency in the last 2 years, please explain the reason. | none |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | I'm paying 4 mortages, of which only the principal reseidence is not covered by a lease. Of the $3400 payment on the primary, taxes are 416, insurance is 320, and about 2600 is p&i. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Net mortage payments are 4000/mo (including all 4 properties - taxes, principal and interest and insurance.) Transportation is about 1000/mo in car payments and about 400/mo in gas and insurance. Utilities are about 200/mo (many are included in the HOA (which is included in the mortagage figure above.)) Food and entertainment is about 1000/mo give or take. |
Please explain the reason why you carry a large revolving credit balance. | I actually don't. I use credit for rewards points, etc. but generally pay most off periodically. My credit report also lists my American Express as revolving and it's paid off every month. |
Is this for a home improvement you have already made, or one that you are planning to make? | planning to make. |
Member Payment Dependent Notes Series 1411143
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411143 |
$15,000 |
$15,000 |
14.09% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411143. Member loan 1411143 was requested on July 9, 2012 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: | Family Home Care Services | Debt-to-income ratio: | 15.54% |
Length of employment: | 10+ years | Location: | brooklyn, NY |
Home town: | |||
Current & past employers: | Family Home Care Services | ||
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, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 3 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 11 |
Revolving Credit Balance: | $20,195.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.30% | 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? | Finishing a basement. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | $500 |
What is the home improvement project you are planning? | Finishing a basement. |
Is this for a home improvement you have already made, or one that you are planning to make? | To finish a basement. |
If you have a delinquency in the last 2 years, please explain the reason. | There are none. |
Member Payment Dependent Notes Series 1411188
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411188 |
$8,000 |
$8,000 |
6.03% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411188. Member loan 1411188 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $4,833 / month |
Current employer: | Shuman McCuskey Slicer PLLC | Debt-to-income ratio: | 9.77% |
Length of employment: | 2 years | Location: | Morgantown, WV |
Home town: | |||
Current & past employers: | Shuman McCuskey Slicer PLLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Full time employee and full time student. Actually have the money, but saving for a down payment on a new home after I graduate next year and become an attorney. Better to stay at the home I already own and upgrade it with an HVAC than waste it in rent. Will be glad to answer any questions.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1998 | 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: | $3,071.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 19.40% | 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 |
Is the improvement to your primary residence or an investment property? | I wouldn't call it either. My grandfather built it back in the 70s, and it was used only during the summer. As such, he never put central heat or A/C (didn't believe in such frivilous luxuries :) ). Since we are staying there this winter, we need heat! It's a family home, so I don't consider it an investment |
Is this for a home improvement you have already made, or one that you are planning to make? | Got a quote for $8k last weekend. Getting another quote this weekend coming up. Work will start soon thereafter. |
Member Payment Dependent Notes Series 1411272
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411272 |
$35,000 |
$35,000 |
18.49% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411272. Member loan 1411272 was requested on July 9, 2012 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: | Macquarie Bank Limited | Debt-to-income ratio: | 6.30% |
Length of employment: | 5 years | Location: | Houston, TX |
Home town: | |||
Current & past employers: | Macquarie Bank Limited | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > This loan is to consolidate all of my credit card balances under a lower rate with a fixed term payment schedule. This is the only debt I have besides a mortgage(no car note) and I have a credit score of over 700.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 45 |
Revolving Credit Balance: | $26,611.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
Member Payment Dependent Notes Series 1411282
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411282 |
$12,000 |
$12,000 |
8.90% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411282. Member loan 1411282 was requested on July 9, 2012 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: | Arkansas State Hospital | Debt-to-income ratio: | 24.22% |
Length of employment: | 10+ years | Location: | Jacksonville, AR |
Home town: | |||
Current & past employers: | Arkansas State 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 July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $21,407.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 66.50% | 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)? | My monthly expenses are approximately 2,800.00. I am current on all of my bills. |
Please explain the reason why you carry a large revolving credit balance. | Since I am a one income household I had to use my credit cards in order to make home improvements. Last year after living in my house for 11 years, I was finally able to have my kitchen remodeled. I have made many improvements over the past 12 years. I have to admit that over the years I did put my student loan in forebearance several times and I did use cards that I had paid off in the past; however, now my focus is on paying off all of my debts within the next 6 years. |
Which debts do you plan to pay off with this loan? | I plan to pay off several of my credit card bills and the IRS. |
Member Payment Dependent Notes Series 1411304
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411304 |
$11,625 |
$11,625 |
15.80% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411304. Member loan 1411304 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,860 / month |
Current employer: | Cameron University | Debt-to-income ratio: | 31.12% |
Length of employment: | 7 years | Location: | LAWTON, OK |
Home town: | |||
Current & past employers: | Cameron 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 July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1992 | 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: | $8,374.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 88.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1411320
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411320 |
$9,750 |
$9,750 |
12.12% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411320. Member loan 1411320 was requested on July 9, 2012 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: | Fabrico | Debt-to-income ratio: | 10.24% |
Length of employment: | 1 year | Location: | POWDER SPRINGS, GA |
Home town: | |||
Current & past employers: | Fabrico | ||
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, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,717.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 82.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
Member Payment Dependent Notes Series 1411367
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411367 |
$8,000 |
$8,000 |
6.03% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411367. Member loan 1411367 was requested on July 9, 2012 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: | n/a | Debt-to-income ratio: | 18.38% |
Length of employment: | 6 years | Location: | Rochester, NY |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I have been in my home 11 years now and various things need updating. Doing so will make the home not only more safe, but also more efficient and pleasing to the neighbors! Excited to do some painting and replacing of very old appliances!<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,455.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1411402
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411402 |
$12,000 |
$12,000 |
17.27% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411402. Member loan 1411402 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,208 / month |
Current employer: | Inovant INC | Debt-to-income ratio: | 4.39% |
Length of employment: | 9 years | Location: | Westminster, CO |
Home town: | |||
Current & past employers: | Inovant 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 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 18 |
Revolving Credit Balance: | $9,615.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 85.80% | 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 am not aware of a delinquency on my report. I guess if I had one, it would be just a oversite on my part. I have all my credit cards up to date. By elimating some bills, this should not happen. |
Member Payment Dependent Notes Series 1411429
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411429 |
$22,000 |
$22,000 |
23.28% |
1.00% |
July 23, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411429. Member loan 1411429 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,083 / month |
Current employer: | SAP | Debt-to-income ratio: | 18.35% |
Length of employment: | 2 years | Location: | Philadelphia, PA |
Home town: | |||
Current & past employers: | SAP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Consoladating an auto bill and 3 credit cards...taking my monthly payments down from $760/mnth to $630/mnth<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2006 | 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: | $12,744.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 91.70% | 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)? | CC1- Bal $8000 IR 23.4% $257/Mnth<br>CC2- Bal $4000 IR 19% $110/Mnth<br>CC2- Bal $950 IR 22.3% $50/Mnth<br>Lending Club loan $8,200 18.7% $350/Mnth |
Which debts do you plan to pay off with this loan? | Credit Cards and an auto Bill...lowering my monthly payments by $130/month |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | It is to consolidate debt across credit cards and an auto bill that will also help lower my monthly payments by $130 |
Please explain the reason why you carry a large revolving credit balance. | Applied for credit in college and built up debt now trying to consolidate and pay off |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent + util 850<br>phone- company paid<br>car- $300<br>Insur- $80<br>food- $300 |
Please explain the reason why you carry a large revolving credit balance. | Applied for credit in college and built up debt now trying to consolidate and pay off |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | It is to consolidate debt across credit cards and an auto bill that will also help lower my monthly payments by $130 |
Member Payment Dependent Notes Series 1411431
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411431 |
$2,000 |
$2,000 |
13.11% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411431. Member loan 1411431 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,625 / month |
Current employer: | Grand Prairie ISD | Debt-to-income ratio: | 33.94% |
Length of employment: | 4 years | Location: | Dallas, TX |
Home town: | |||
Current & past employers: | Grand Prairie ISD | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > To get a better rate for paying off a high-interest credit card.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 21 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 43 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $15,439.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 83.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1411459
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411459 |
$30,000 |
$30,000 |
14.33% |
1.00% |
July 19, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411459. Member loan 1411459 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,417 / month |
Current employer: | OConnor Corporation | Debt-to-income ratio: | 26.15% |
Length of employment: | 9 years | Location: | Leominster, MA |
Home town: | |||
Current & past employers: | OConnor Corporation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I wish to take all of my existing bills and place them into one monthly payment<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,240.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 13.50% | 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 are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 3 personal loans - 13,000, 8000, 3400 - 3 credit cards -1845, 605, 1900 rates are 12.9%,13.0% 13.0% - 0%,12%,10%. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | 1546.00, 0,350.00, taxes & insurance included in mortgage |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 3 personal loans - 13,000, 8000, 3400 - 3 credit cards -1845, 605, 1900 rates are 12.9%,13.0% 13.0% - 0%,12%,10%. |
Member Payment Dependent Notes Series 1411481
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411481 |
$8,000 |
$8,000 |
11.14% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411481. Member loan 1411481 was requested on July 9, 2012 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: | On-Scene Security | Debt-to-income ratio: | 8.65% |
Length of employment: | 2 years | Location: | NEWHALL, CA |
Home town: | |||
Current & past employers: | On-Scene Security | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > pay off all debt, and not have to transfer balances every year upon year, having to pay various fees.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1995 | 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: | $11,482.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 44.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - 400 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | just under 10,000 |
Please explain the reason why you carry a large revolving credit balance. | cause i keep tranfering balances every year. I'm always been offered 0% on Balance transfers, amd very, very lox apr on purchaces. Due to these constant Balance transfers, the transfer fees (3-5%) has kept me from paying off fast. I've never been late on any payments in my life, hence the excellent credit. If i have 3 years to pay, without having to transfer all the time, it will be much easier to manage. |
Member Payment Dependent Notes Series 1411506
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411506 |
$30,000 |
$30,000 |
20.49% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411506. Member loan 1411506 was requested on July 9, 2012 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: | SAP | Debt-to-income ratio: | 12.39% |
Length of employment: | 1 year | Location: | Wilton Manors, FL |
Home town: | |||
Current & past employers: | SAP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I am starting a computer software consulting business. I am currently negotiating services with 2 large corporations. This loan will cover 3 months personal expenses (rent/COBRA/etc.) and business expenses (cell/laptop/software/travel) so I can pursue this full time.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 40 | Months Since Last Delinquency: | 93 |
Revolving Credit Balance: | $44,975.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 48.10% | 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 |
Can you provide some high level financials on the monthly costs / revenue of your business? | Costs: Salary 7K mo (existing);Travel: 8K mo (reimbursed by customer, but have initial outlay);loan 1.2K mo;misc (marketing, web, quickbooks online, etc) 700 mo: ~$17K mo<br>Revenue: Billing $125 hr for 75% utilization: 130 billable hours / mo: $16250; Travel reimbursed: $8K / mo: ~24K<br>Gross Profit: 7K/mo<br><br>I expect net 45 on billing so first payment from vendors will be with in the first 90 days. This is the reason for the loan as I need to cover expenses until the first check arrives. |
Please describe your experience/familiarity with the business you are starting/started? | I have been in this field for over 15 years and I am known as one of the leading experts in my field. I have been published and presented at several trade shows over the last several years. I am very familiar with this subject area. |
What type of business are you starting? | I am starting a computer consulting business focusing on Quality Assurance in the IT industry specifically around QA of large ERP systems (SAP, Oracle, etc.). My consulting will be around the Program Management Office (PMO) of these corporations and advising them on how to establish/enhance a QA program that carries on past a specific project, but rather so assets develop actually live on to the next project. This is an ongoing problem in the industry that I hope to fix. |
Please explain the reason why you carry a large revolving credit balance. | I have carried the balance since due to moving expenses. I have moved three times (for work) in the past five years. While work paid for the majority of the expense (up to 10K) it did not cover all the expenses. I have been smart about it and have moved the majority of credit consumed is on one account that is at a zero % rate so that the payments are going directly to principal. |
Please explain the reason why you carry a large revolving credit balance. | I have carried the balance since due to moving expenses. I have moved three times (for work) in the past five years. While work paid for the majority of the expense (up to 10K) it did not cover all the expenses. I have been smart about it and have moved the majority of credit consumed is on one account that is at a zero % rate so that the payments are going directly to principal. |
What do you project your monthly revenues for the first 6 months to be? | approximately 75K gross revenue for the six months (not including travel reimbursements). this will be about 12.5K a month starting in month 3. Please keep in mind that I will be net 60 so work that is done in the six months will still be coming in. So my figure is account with revenue starting to arrive in October. |
What will be the largest expense in the first six months? | Largest work expense will be Salary(including COBRA payments for insurance) and travel. Tavel is slated to be about 8K a month (2K a week). Travel does get reimbursed back but it will be net 60 from when I invoice. So I am planning for 90 days before that money comes back in. |
What will be the largest expense in the first six months? | Largest work expense will be Salary(including COBRA payments for insurance) and travel. Tavel is slated to be about 8K a month (2K a week). Travel does get reimbursed back but it will be net 60 from when I invoice. So I am planning for 90 days before that money comes back in. |
Can you provide some high level financials on the monthly costs / revenue of your business? | Costs: Salary 7K mo (existing);Travel: 8K mo (reimbursed by customer, but have initial outlay);loan 1.2K mo;misc (marketing, web, quickbooks online, etc) 700 mo: ~$17K mo<br>Revenue: Billing $125 hr for 75% utilization: 130 billable hours / mo: $16250; Travel reimbursed: $8K / mo: ~24K<br>Gross Profit: 7K/mo<br><br>I expect net 45 on billing so first payment from vendors will be with in the first 90 days. This is the reason for the loan as I need to cover expenses until the first check arrives. |
Member Payment Dependent Notes Series 1411518
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411518 |
$25,000 |
$25,000 |
19.72% |
1.00% |
July 19, 2012 |
July 25, 2017 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411518. Member loan 1411518 was requested on July 11, 2012 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: | New York City Transit MTA | Debt-to-income ratio: | 19.27% |
Length of employment: | 7 years | Location: | BROOKLYN, NY |
Home town: | |||
Current & past employers: | New York City Transit MTA | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > im trying to consolidate my credit cards and make one monthly payment. This will help me out greatly.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 27 |
Revolving Credit Balance: | $43,454.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 62.10% | 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)? | 8500 20% 6600 19% 4500 19% 4300 12% all credit cards. debt accrued over the years not at once just looking for one payment 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)? | mortgage is 2800 including taxes and insurance minus 2300 rental income. Credit cards 600 utilities 500 car note 600 |
Please explain the reason why you carry a large revolving credit balance. | ran into unforseen problems along the way. I have never missed any of my payments just unable to bring down my balances fast enough |
Which debts do you plan to pay off with this loan? | I would like to consolidate 4 high interest credit cards with high balances into one monthly payment. I have never been late with any of my credit card payments just unable to pay down balances fast enough |
If you have a delinquency in the last 2 years, please explain the reason. | no |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 500 mortgage 400 utilities 150 phone 600 car note |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 8500 20% 6600 19% 4500 19% 4300 12% all credit cards. debt accrued over the years not at once just looking for one payment a month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 8500 20% 6600 19% 4500 19% 4300 12% all credit cards. debt accrued over the years not at once just looking for one payment a month. |
Member Payment Dependent Notes Series 1411558
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411558 |
$7,200 |
$7,200 |
11.14% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411558. Member loan 1411558 was requested on July 9, 2012 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: | Magna Mirrors | Debt-to-income ratio: | 12.15% |
Length of employment: | 3 years | Location: | Holland, MI |
Home town: | |||
Current & past employers: | Magna Mirrors | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Paying off $3,500 in credit cards debt and buying furniture for my house, and tune-up on my jeep, taking my fiancee out for an incredible night for once!<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2008 | 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: | $4,863.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.70% | 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)? | $1,300 a month. |
What are you buying? | A few things. im making home improvments such as a new shower and sink. Buying a new couch and coffe table, Im paying off the only $3000 i owe in debt besides my mortgage, also giving my jeep a tune-up and fixing a leaky powersteering hose. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1,300 a month. |
Member Payment Dependent Notes Series 1411561
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411561 |
$4,200 |
$4,200 |
16.29% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411561. Member loan 1411561 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $3,333 / month |
Current employer: | South Jersey Newspapers | Debt-to-income ratio: | 13.44% |
Length of employment: | 10+ years | Location: | MANTUA, NJ |
Home town: | |||
Current & past employers: | South Jersey Newspapers | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > FOR PROPERTY TAXES AND CAR REPAIR<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | 43 |
Revolving Credit Balance: | $16,672.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 3 |
Member Payment Dependent Notes Series 1411601
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411601 |
$8,000 |
$8,000 |
7.62% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411601. Member loan 1411601 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $4,000 / month |
Current employer: | siemens | Debt-to-income ratio: | 3.78% |
Length of employment: | 10+ years | Location: | santa ana, CA |
Home town: | |||
Current & past employers: | siemens | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > pay high interest credit card some home repairs<br><br> Borrower added on 07/09/12 > lending club give me low rate ,to pay my high interest credit card and some home repairs. Thank you<br><br> Borrower added on 07/09/12 > Lending club give low interest rate to pay my higher interest credit card to pay off and use some to repair my home and save a little for myself, also to repair my car and use some for decoration and furniture.Later on i will buy equipment for the patio that I'm gonna build. Thank you lending club<br><br> Borrower added on 07/09/12 > Lending club give low interest rate to pay my higher interest credit card to pay off and use some to repair my home and save a little for myself, also to repair my car and use some for decoration and furniture.Later on i will buy equipment for the patio that I'm gonna build.Thank you for the chance.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | 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: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,281.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 27.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1411607
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411607 |
$18,000 |
$18,000 |
22.47% |
1.00% |
July 19, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411607. Member loan 1411607 was requested on July 9, 2012 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: | Time Warner Cable | Debt-to-income ratio: | 12.64% |
Length of employment: | 5 years | Location: | INDIO, CA |
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 07/10/12 > Hello, I am a hard working individual who is looking to consolidate my debt. I am also looking forward to the convenience of making one payment as opposed to seven different payments with different dates. I have been employed with the same employer for almost 5 years, and i am very responible.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 660-678 | 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: | 24 | Months Since Last Delinquency: | 31 |
Revolving Credit Balance: | $13,775.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 85.00% | 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)? | I have about 16,500 in Credit cards, Department stores, and Jewelry. They all total to 480 in monthly payments and range from 0 to 25% interest. I also have a Mortgage payment of 1100 monthly with a fixed interest rate of 4.5% |
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 16,500 in Credit cards, Department stores, and Jewelry. They all total to 480 in monthly payments and range from 0 to 25% interest. I also have a Mortgage payment of 1100 monthly with a fixed interest rate of 4.5% |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $1,100, Car $238, Dept store cards $242, Credit cards $65, Utilities $200, Auto Ins $145, Food & Gas $550, Total $2540. I just want to pay off my car, credit cards, and dept stores and have 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)? | My Mortgage is an FHA loan. Everything is impounded... $1,100 monthly. |
Which debts do you plan to pay off with this loan? | credit card, Sears card, B of A card, jc penny card, samuels jewlers card, ally car loan. |
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 16,500 in Credit cards, Department stores, and Jewelry. They all total to 480 in monthly payments and range from 0 to 25% interest. I also have a Mortgage payment of 1100 monthly with a fixed interest rate of 4.5% |
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 16,500 in Credit cards, Department stores, and Jewelry. They all total to 480 in monthly payments and range from 0 to 25% interest. I also have a Mortgage payment of 1100 monthly with a fixed interest rate of 4.5% |
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 16,500 in Credit cards, Department stores, and Jewelry. They all total to 480 in monthly payments and range from 0 to 25% interest. I also have a Mortgage payment of 1100 monthly with a fixed interest rate of 4.5% |
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 16,500 in Credit cards, Department stores, and Jewelry. They all total to 480 in monthly payments and range from 0 to 25% interest. I also have a Mortgage payment of 1100 monthly with a fixed interest rate of 4.5% |
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 16,500 in Credit cards, Department stores, and Jewelry. They all total to 480 in monthly payments and range from 0 to 25% interest. I also have a Mortgage payment of 1100 monthly with a fixed interest rate of 4.5% |
Please explain the reason why you carry a large revolving credit balance. | To establish credit. |
Which debts do you plan to pay off with this loan? | credit card, Sears card, B of A card, jc penny card, samuels jewlers card, ally car loan. |
If you have a delinquency in the last 2 years, please explain the reason. | I dont think i have a delinquency in the past two years. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $1,100, Car $238, Dept store cards $242, Credit cards $65, Utilities $200, Auto Ins $145, Food & Gas $550, Total $2540. I just want to pay off my car, credit cards, and dept stores and have one payment. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $1,100, Car $238, Dept store cards $242, Credit cards $65, Utilities $200, Auto Ins $145, Food & Gas $550, Total $2540. I just want to pay off my car, credit cards, and dept stores and have one payment. |
Please explain the reason why you carry a large revolving credit balance. | To establish credit. |
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 16,500 in Credit cards, Department stores, and Jewelry. They all total to 480 in monthly payments and range from 0 to 25% interest. I also have a Mortgage payment of 1100 monthly with a fixed interest rate of 4.5% |
Member Payment Dependent Notes Series 1411622
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411622 |
$3,600 |
$3,600 |
11.14% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411622. Member loan 1411622 was requested on July 10, 2012 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: | Tulsa World | Debt-to-income ratio: | 13.27% |
Length of employment: | 2 years | Location: | TULSA, OK |
Home town: | |||
Current & past employers: | Tulsa World | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Purchase of a used car<br><br> Borrower added on 07/10/12 > The purchase of a used vehicle and repair on an existing family vehicle<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1992 | 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: | $10,132.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.40% | 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 you buying? | I had intended to buy a 1993 BMW 535 touring but a prepurchase inspection revealed a multitude of problems so it looks like a 1999 Honda CR-V. I also plan to repair the transmission on our existing family vehicle. |
Member Payment Dependent Notes Series 1411654
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411654 |
$14,675 |
$14,675 |
10.16% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411654. Member loan 1411654 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $3,083 / month |
Current employer: | bob evans | Debt-to-income ratio: | 19.98% |
Length of employment: | 7 years | Location: | hamilton, OH |
Home town: | |||
Current & past employers: | bob evans | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > combine all my debt into 1 payment<br><br> Borrower added on 07/10/12 > consolidate some of my debt and some small home repais<br><br> Borrower added on 07/18/12 > This loan would create a great way to be out of debt in 3 yrs. And ability to purchase a larger home<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,978.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.70% | 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)? | 1100 per month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 30,000 but, 15,000 is student loans the rest is car, 2 credit cards, and a bank premire line. |
Please explain the reason why you carry a large revolving credit balance. | my father passed away a little over a year ago and I was responsible for his funeral cost so I racked up some credit but, not enough to put me under. That is why I want this loan to get everything clear and make 1 bulk payment. |
Member Payment Dependent Notes Series 1411656
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411656 |
$15,000 |
$15,000 |
15.31% |
1.00% |
July 23, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411656. Member loan 1411656 was requested on July 9, 2012 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: | Star Nissan | Debt-to-income ratio: | 24.83% |
Length of employment: | 7 years | Location: | SCHILLER PARK, IL |
Home town: | |||
Current & past employers: | Star Nissan | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > WOULD LIKE TO HAVE 1 EASY PAYMENT A MONTH. THIS LOAN WILL HELP FINISH PAYING OFF MY AUTO LAON AND OTHER MISCELLANEOUS BILLS. WITH 1 EASY PAYMENT I WILL BE ABLE TO PAY LOAN BACK WITH NO PROBLEM.<br><br> Borrower added on 07/13/12 > Priorities have now changed. As of yesterday I now have to help with my brothers funeral and burial costs.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2000 | 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: | $19,464.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 48.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Phone bill is 70$ a month insurance is 250$ a month as far as utilities and rent I live with my mom.. gas is about 40$ every 2 weeks.. |
Member Payment Dependent Notes Series 1411675
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411675 |
$11,575 |
$11,575 |
7.90% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411675. Member loan 1411675 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,833 / month |
Current employer: | armstrong mechanical | Debt-to-income ratio: | 17.47% |
Length of employment: | 10+ years | Location: | LUBBOCK, TX |
Home town: | |||
Current & past employers: | armstrong mechanical | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > To consolidate credit cards and cut them up for good!!!!<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,654.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 17.10% | 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 |
Which debts do you plan to pay off with this loan? | I plan to pay off the Southwest Airlines credit card and the Sears Card. Whatever balance remains, if so, I will allocate that to the American Airlines credit card. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | student loans: private $296 per month, 5.75%, 56,600 balance<br>CC1: $25 per month, 25,24%, 1475 balance<br>CC2: $154 per month, 14.24%, 9907 balance<br>CC3: $25 per month,24.24%, 1053 balance<br>CC4: $25 per month, 15.24%, 2000 balance<br>secured signature loan: $213 per month, 3.45%, 10, 253 balance<br>private loan 1: $196 per month, 8.5%, 9060 balance<br>private loan 2: $333 per month, 12%, 10,000<br>house payment: $680 per month, 3.45%, 58.774 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I plan to pay off the Southwest Airlines credit card and the Sears Card. Whatever balance remains, if so, I will allocate that to the American Airlines credit card. |
Member Payment Dependent Notes Series 1411684
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411684 |
$8,875 |
$8,875 |
17.27% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411684. Member loan 1411684 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,833 / month |
Current employer: | Umpqua Bank | Debt-to-income ratio: | 20.51% |
Length of employment: | 3 years | Location: | YUBA CITY, CA |
Home town: | |||
Current & past employers: | Umpqua Bank | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > This loan will be used to pay off almost all of my credit card debt. Once paid off I will take the burden away by closing those cards. I cant wait to remove the mountain of debt!<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2006 | 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: | $7,427.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | i have a car payment of 292 and my rent is 260. gas is much of a factor considering i work really close to where i live. utilities phone and insurance are no more than 300 a month but then everything else is what gets me.... |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | my current balances are all maxed out... i have about 7 credit cards that i hope to pay off. just recently 4 of my credit cards just jumped there APR to 24.99% which in turn raised my min payment. i carry about $10000 in credit card debt but the amount that i got approved for through lending club would help me greatly! |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am using this loan for one purpose... to pay off all of my credit cards! Once they are paid off I wll close all accounts. This loan will same me close to 250 a month!! |
Member Payment Dependent Notes Series 1411690
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411690 |
$25,000 |
$25,000 |
18.49% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411690. Member loan 1411690 was requested on July 9, 2012 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: | Central Virginia Training Center | Debt-to-income ratio: | 24.06% |
Length of employment: | 3 years | Location: | SCOTTSVILLE, VA |
Home town: | |||
Current & past employers: | Central Virginia Training Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > really getting my act together<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 13 |
Revolving Credit Balance: | $16,640.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1411700
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411700 |
$29,175 |
$29,175 |
19.72% |
1.00% |
July 18, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411700. Member loan 1411700 was requested on July 9, 2012 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: | Bodman PLC | Debt-to-income ratio: | 20.92% |
Length of employment: | 7 years | Location: | New Baltimore, MI |
Home town: | |||
Current & past employers: | Bodman PLC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I am working towards total debt consolidation to reduce my monthly payment(s) which will ultimately free up more of my income to apply towards education and other home improvement projects. Thank you for your consideration!<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1999 | 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: | $20,417.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 82.30% | 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)? | Housing - $637 per month<br>Utilities and phone - $350 per month<br>Insurance - $250 per month<br>Car/Fuel - $500 per month<br>Food - $300 per month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage - $120,000, 5% and monthly payment of $637.<br>Credit Cards - $24,000 with interest rates varying from 12% to 26.9% with monthly payments of $1100. |
Please explain the reason why you carry a large revolving credit balance. | I've been in a long term (25 yrs +) relationship and my significant other lost his job several years ago - I have supported a household of two and essentially my revolving credit is what we lived off for some time. I am currently supporting only myself and have downsized tremendously and feel this will help me to get back to being debt free quicker. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Housing - $637 per month<br>Utilities and phone - $350 per month<br>Insurance - $250 per month<br>Car/Fuel - $500 per month<br>Food - $300 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)? | Mortgage - monthly payment is $673<br>Utilities - monthly payments are $350<br>Insurance and taxes - monthly payment is $250<br>Food and miscellaneous - $400 per monthy |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage - $120,000, 5% and monthly payment of $637.<br>Credit Cards - $24,000 with interest rates varying from 12% to 26.9% with monthly payments of $1100. |
Which debts do you plan to pay off with this loan? | This loan will completely pay off all of my revolving credit card debt. Thank you for your consideration! |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | This loan will go 100% to pay off all of my revolving credit card debt and will reduce my monthly payments by about $600. Thank you for your consideration! |
Which debts do you plan to pay off with this loan? | This loan will completely pay off all of my revolving credit card debt. Thank you for your consideration! |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage - $120,000, 5% and monthly payment of $637.<br>Credit Cards - $24,000 with interest rates varying from 12% to 26.9% with monthly payments of $1100. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Mortgage - monthly payment is $673<br>Utilities - monthly payments are $350<br>Insurance and taxes - monthly payment is $250<br>Food and miscellaneous - $400 per monthy |
Please explain the reason why you carry a large revolving credit balance. | I've been in a long term (25 yrs +) relationship and my significant other lost his job several years ago - I have supported a household of two and essentially my revolving credit is what we lived off for some time. I am currently supporting only myself and have downsized tremendously and feel this will help me to get back to being debt free quicker. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Housing - $637 per month<br>Utilities and phone - $350 per month<br>Insurance - $250 per month<br>Car/Fuel - $500 per month<br>Food - $300 per month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage - $120,000, 5% and monthly payment of $637.<br>Credit Cards - $24,000 with interest rates varying from 12% to 26.9% with monthly payments of $1100. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Housing - $637 per month<br>Utilities and phone - $350 per month<br>Insurance - $250 per month<br>Car/Fuel - $500 per month<br>Food - $300 per month |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage - $120,000, 5% and monthly payment of $637.<br>Credit Cards - $24,000 with interest rates varying from 12% to 26.9% with monthly payments of $1100. |
What is your intended use for the loan proceeds? | The loan proceeds will pay off all of my revolving credit card debt, leaving me with just this loan. Thank you for your consideration. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Housing - $637 per month<br>Utilities and phone - $350 per month<br>Insurance - $250 per month<br>Car/Fuel - $500 per month<br>Food - $300 per month |
Please explain the reason why you carry a large revolving credit balance. | I've been in a long term (25 yrs +) relationship and my significant other lost his job several years ago - I have supported a household of two and essentially my revolving credit is what we lived off for some time. I am currently supporting only myself and have downsized tremendously and feel this will help me to get back to being debt free quicker. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage - $120,000, 5% and monthly payment of $637.<br>Credit Cards - $24,000 with interest rates varying from 12% to 26.9% with monthly payments of $1100. |
Member Payment Dependent Notes Series 1411701
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411701 |
$4,800 |
$4,800 |
20.49% |
1.00% |
July 19, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411701. Member loan 1411701 was requested on July 9, 2012 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: | R & L Carriers | Debt-to-income ratio: | 4.09% |
Length of employment: | 2 years | Location: | MANSFIELD, OH |
Home town: | |||
Current & past employers: | R & L Carriers | ||
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, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 8 | Months Since Last Delinquency: | 8 |
Revolving Credit Balance: | $7,024.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 49.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | total is around 3500.00 a month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit cards is about 4000.00 I just want to get them paid off. And I would like to get a loan in my name for my credit for the frist time in my life. I have a good job but i want to get to where I have A+ credit for my self. I have a great job for the frist time in my life and it time to move my credit to a higher rating. |
If you have a delinquency in the last 2 years, please explain the reason. | delinquency what??? |
Member Payment Dependent Notes Series 1411705
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411705 |
$19,750 |
$19,750 |
13.11% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411705. Member loan 1411705 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,172 / month |
Current employer: | Us Army | Debt-to-income ratio: | 8.29% |
Length of employment: | 4 years | Location: | FORT BENNING, GA |
Home town: | |||
Current & past employers: | Us Army | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I'm currently working In the United States Military. I'm looking to pay all my bills in one payment.<br><br> Borrower added on 07/09/12 > I plan on dedicating an allotment to the payment and making to the payment coming out of savings so there won't ever be any late payments. With this loan everything will be covered and I won't have any other existing bills.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2007 | 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: | $5,758.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 72.00% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I pay $1050 to rent. Transportation the loan would cover the car note insurance is $115 each payday. My phone is currently $140 which covers everything. We spend around $150 on food per month. We don't pay for cable just internet. Gas Expenses are 85$ which covers both vehicles for a month. Below is the listed bills. <br><br>Charter: $89.99<br>Sprint:$140.15<br>Insurance:$115.00 Twice<br>Gas:$85.00<br>Millitary Rent: $1050 Which covers all utilities |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The loan Im applying for would cover everything listed below. Below is my current debt.<br><br>Capital One $299.36 APR 22.90% Card<br>Millitary Star $6010.23 APR 10.24% card<br>Chase $1652.53 APR 8.24% card<br>Honda $5433.07 APR 9.79% Loan<br>Newegg $1761.86 APR 0 Card<br>Pioneet Loans $2930.18 APR 33.31% loan |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The loan Im applying for would cover everything listed below. Below is my current debt.<br><br>Capital One $299.36 APR 22.90% Card<br>Millitary Star $6010.23 APR 10.24% card<br>Chase $1652.53 APR 8.24% card<br>Honda $5433.07 APR 9.79% Loan<br>Newegg $1761.86 APR 0 Card<br>Pioneet Loans $2930.18 APR 33.31% loan |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | The loan Im applying for would cover everything listed below. Below is my current debt.<br><br>Capital One $299.36 APR 22.90% Card<br>Millitary Star $6010.23 APR 10.24% card<br>Chase $1652.53 APR 8.24% card<br>Honda $5433.07 APR 9.79% Loan<br>Newegg $1761.86 APR 0 Card<br>Pioneet Loans $2930.18 APR 33.31% loan |
Member Payment Dependent Notes Series 1411714
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411714 |
$16,800 |
$16,800 |
16.29% |
1.00% |
July 23, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411714. Member loan 1411714 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,667 / month |
Current employer: | packaging products corp.llc | Debt-to-income ratio: | 14.43% |
Length of employment: | 10+ years | Location: | rome, GA |
Home town: | |||
Current & past employers: | packaging products corp.llc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > i have some credit cards i want to pay off and cut up, i am currently paying $500 a mth. on these cards, plus do a heat and air update on my house.<br><br> Borrower added on 07/16/12 > I want too thank all the investors that have funded my loan so far this means so much to my family and me, to get out of credit card debt and getting our home more comfortable. Thanks.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1990 | 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: | $9,853.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | around $1400 for everything |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $12,000 balance on 4 credit cards, interest rates 12.5 to 18.5/ mortgage payment of 486 a month with 25,000 bal. |
Please explain the reason why you carry a large revolving credit balance. | ran into some major medical problems in my house, also had some major auto and home repairs. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $12,000 balance on 4 credit cards, interest rates 12.5 to 18.5/ mortgage payment of 486 a month with 25,000 bal. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $12,000 balance on 4 credit cards, interest rates 12.5 to 18.5/ mortgage payment of 486 a month with 25,000 bal. |
Member Payment Dependent Notes Series 1411758
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411758 |
$14,125 |
$14,125 |
10.16% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411758. Member loan 1411758 was requested on July 9, 2012 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: | Irondale productions | Debt-to-income ratio: | 14.41% |
Length of employment: | 8 years | Location: | BROOKLYN, NY |
Home town: | |||
Current & past employers: | Irondale productions | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > This loan will help me pay down debt after a major life change and will help me start a savings. Without insurance it has been tough to keep up. I will no longer need to charge my monthly expenses just to survive.<br><br> Borrower added on 07/11/12 > I'm determined to keep my credit score good and make it excellent. After a recent major life change, I am on my own to do it now. I'm not a risky investment, and I hope to be a future investor here myself!<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1973 | 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: | $15,838.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.10% | 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)? | Rent, transportation, life insurance, school loan, phone, credit cards bills, therapy, utilites, and education etc is approx. $2000-$2300 monthly |
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 charge $1422.40, pay in full card with a 15.24% pay over time option<br>Amex Credit card $6573.84, $118 minimun at 10.24%<br>Visa $6997.69, $113 minimun at 12.24%<br>MasterCard $3572.40, $53 minimun at 11.99% |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Currently my minimun is $284, not including my charge. With that my current is $1684.<br>With the loan and payoff my new minimun with be approx. $75. |
Member Payment Dependent Notes Series 1411809
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411809 |
$3,000 |
$3,000 |
16.29% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411809. Member loan 1411809 was requested on July 9, 2012 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: | elwyn | Debt-to-income ratio: | 23.34% |
Length of employment: | 7 years | Location: | millville, NJ |
Home town: | |||
Current & past employers: | elwyn | ||
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, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 19 |
Revolving Credit Balance: | $11,104.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 42.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1411923
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411923 |
$15,000 |
$15,000 |
6.03% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411923. Member loan 1411923 was requested on July 9, 2012 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: | n/a | Debt-to-income ratio: | 16.05% |
Length of employment: | n/a | Location: | west seneca, NY |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > New Garage<br><br> Borrower added on 07/18/12 > Tell your story. What is your loan for?<br><br> Borrower added on 07/18/12 > TAKE DOWN AND BUILD NEW GARAGE<br><br> Borrower added on 07/18/12 > Tell your story. What is your loan for?<br><br> Borrower added on 07/18/12 > REMOVE AND CONTRUCT NEW GARAGE<br><br> Borrower added on 07/18/12 > REMOVE OLD GARAGE AND BUILD NEW GARAGE<br><br> Borrower added on 07/18/12 > Tell your story. What is your loan for?<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1970 | 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: | $36,084.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 1.10% | 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)? | MORTGAGE,2ND MORTGAEG,VEHICLE,ELECIRTY,GAS. |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | MORTGAGE $560.00<br>MORT. 2ND 300.00 REVOLVING |
Member Payment Dependent Notes Series 1411954
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411954 |
$10,500 |
$10,500 |
12.12% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411954. Member loan 1411954 was requested on July 10, 2012 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: | LanSlide Game Zone | Debt-to-income ratio: | 10.32% |
Length of employment: | 6 years | Location: | OAKDALE, CA |
Home town: | |||
Current & past employers: | LanSlide Game Zone | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I have just completed my education and would like to consolidate my credit cards to one payment. I will not be using the cards as I did while at university so I would like to take advantage of one payment at a better interest rate. Thank you for your consideration!<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,751.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.70% | 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)? | Thank you for your inquiry. I currently live w/my parents. I pay $500/mth rent, $100/mth insurance, $100/mth utilities & phone, $101/mth medical insurance, around $200/mth for gas, food, entertainment. My student loans become due in Jan 2013 and payments will be around $300-400 month. I want to consolidate my 4 credit cards debt so I can work towards paying the total off in about 15-20 months. I have steady employment, having worked at same job since 2006. Thank you for your consideration. |
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 inquiry. I have 4 credit cards which assisted me as an undergraduate. Total balance is about $10,000. Interest rates range between 12.9-16.9%. Student loan becomes due Jan 2013 w/ payments around $300-400/month. I am staying w/my parents and pay them $500/mth rent, $100/mth for auto insurance, $100/mth for utilities & phone, $101 for health insurance, about $200/mth gas, food, entertainment. I have no other debt & would work to pay off this loan w/in 15-20 months. Thanks! |
Member Payment Dependent Notes Series 1411969
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411969 |
$23,000 |
$23,000 |
14.09% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411969. Member loan 1411969 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,893 / month |
Current employer: | ASU Foundation | Debt-to-income ratio: | 31.02% |
Length of employment: | 3 years | Location: | Gilbert, AZ |
Home town: | |||
Current & past employers: | ASU Foundation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > In addition to a rate reduction, the benefits of this loan are huge: commit to a 3 yr payoff, close credit cards so no more debt, transform multiple payments into one monthly fixed payment to be factored into an otherwise steady budget, and empowerment from finding a light at the end of this tunnel.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $20,286.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 91.40% | 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 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. | 4 cards with total min. mo. payments equal to $499.39 and total debt is $23,057.99: #1 AmEx balance of $9,743.49 with a min. mo. payment of $227.00 and a 15.99% rate, #2 Visa balance of $9,577.24 with a min. mo. payment of $192.00 and a 15.09% rate, #3 store card balance of $2,833.29 with a min. mo. payment of $55.39 and a 15.90% rate, and #4 store card balance of $903.97 with a min. mo. payment of $25.00 and a $25.99% rate. I can meet the mo. payment for this loan and thank you for opportunity. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | 4 credit cards to be paid off with total min. mo. payments of $499.39 and total debt of $23,057.99: #1 min. mo. payment of $227.00, #2 min. mo. payment of $192.00, #3 min. mo. payment of $55.39, and #4 min. mo. payment of $25.00. I am already paying a little more than the min. mo. amounts but eliminating my debt sooner is motivation to make the larger mo. payment amount of this loan, $787.10, which I am capable of. I am also motivated by the other benefits of one fixed payment a mo. Thank you. |
What is the total balance of your credit cards, interest rates and current monthly payments? | 4 cards with total min. mo. due of $499.39 and total debt of $23,057.99: #1 balance of $9,743.49 with a min. mo. due of $227.00 and 15.99% rate, #2 balance of $9,577.24 with a min. mo. due of $192.00 and 15.09% rate, #3 balance of $2,833.29 with a min. mo. due of $55.39 and 15.90% rate, and #4 balance of $903.97 with a min. mo. due of $25.00 and 25.99% rate. I'm better off closing the credit cards and making 1 mo. payment, plus slightly lowering the rate. Thank you, I'll hit my 3 yr payoff goal. |
What is the total balance of your credit cards, interest rates and current monthly payments? | 4 cards with total min. mo. due of $499.39 and total debt of $23,057.99: #1 balance of $9,743.49 with a min. mo. due of $227.00 and 15.99% rate, #2 balance of $9,577.24 with a min. mo. due of $192.00 and 15.09% rate, #3 balance of $2,833.29 with a min. mo. due of $55.39 and 15.90% rate, and #4 balance of $903.97 with a min. mo. due of $25.00 and 25.99% rate. I'm better off closing the credit cards and making 1 mo. payment, plus slightly lowering the rate. Thank you, I'll hit my 3 yr payoff goal. |
Please explain the reason why you carry a large revolving credit balance. | Debt was not a result of frivolous or uncontrolled spending, rather it was circumstantial. Per advisement to not enter personal or identifiable information on this site, I will not go into further detail as to the exact circumstances. This is not a situation which I expect to repeat in my lifetime, hence my interest to pay off the debt and move forward. Thank you for considering to help. |
What is your intended use for the loan proceeds? | I applied for this loan to pay off credit card debt thus reducing interest rates and consolidating multiple payments into one fixed monthly payment which will allow me to pay off the debt in three years. Thank you for considering to help. |
Please explain the reason why you carry a large revolving credit balance. | Debt was not a result of frivolous or uncontrolled spending, rather it was circumstantial. Per advisement to not enter personal or identifiable information on this site, I will not go into further detail as to the exact circumstances. This is not a situation which I expect to repeat in my lifetime, hence my interest to pay off the debt and move forward. Thank you for considering to help. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | 4 credit cards to be paid off with total min. mo. payments of $499.39 and total debt of $23,057.99: #1 min. mo. payment of $227.00, #2 min. mo. payment of $192.00, #3 min. mo. payment of $55.39, and #4 min. mo. payment of $25.00. I am already paying a little more than the min. mo. amounts but eliminating my debt sooner is motivation to make the larger mo. payment amount of this loan, $787.10, which I am capable of. I am also motivated by the other benefits of one fixed payment a mo. Thank you. |
What is the total balance of your credit cards, interest rates and current monthly payments? | 4 cards with total min. mo. due of $499.39 and total debt of $23,057.99: #1 balance of $9,743.49 with a min. mo. due of $227.00 and 15.99% rate, #2 balance of $9,577.24 with a min. mo. due of $192.00 and 15.09% rate, #3 balance of $2,833.29 with a min. mo. due of $55.39 and 15.90% rate, and #4 balance of $903.97 with a min. mo. due of $25.00 and 25.99% rate. I'm better off closing the credit cards and making 1 mo. payment, plus slightly lowering the rate. Thank you, I'll hit my 3 yr payoff goal. |
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. | 4 cards with total min. mo. payments equal to $499.39 and total debt is $23,057.99: #1 AmEx balance of $9,743.49 with a min. mo. payment of $227.00 and a 15.99% rate, #2 Visa balance of $9,577.24 with a min. mo. payment of $192.00 and a 15.09% rate, #3 store card balance of $2,833.29 with a min. mo. payment of $55.39 and a 15.90% rate, and #4 store card balance of $903.97 with a min. mo. payment of $25.00 and a $25.99% rate. I can meet the mo. payment for this loan and thank you for opportunity. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I applied for this loan for one purpose: to pay off credit card debt thus reducing interest rates and consolidating multiple payments into one fixed monthly payment which will allow me to pay off the debt in three years. Thank you for considering to help. |
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. | 4 cards with total min. mo. payments equal to $499.39 and total debt is $23,057.99: #1 AmEx balance of $9,743.49 with a min. mo. payment of $227.00 and a 15.99% rate, #2 Visa balance of $9,577.24 with a min. mo. payment of $192.00 and a 15.09% rate, #3 store card balance of $2,833.29 with a min. mo. payment of $55.39 and a 15.90% rate, and #4 store card balance of $903.97 with a min. mo. payment of $25.00 and a $25.99% rate. I can meet the mo. payment for this loan and thank you for opportunity. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | 4 credit cards to be paid off with total min. mo. payments of $499.39 and total debt of $23,057.99: #1 min. mo. payment of $227.00, #2 min. mo. payment of $192.00, #3 min. mo. payment of $55.39, and #4 min. mo. payment of $25.00. I am already paying a little more than the min. mo. amounts but eliminating my debt sooner is motivation to make the larger mo. payment amount of this loan, $787.10, which I am capable of. I am also motivated by the other benefits of one fixed payment a mo. Thank you. |
What is the total balance of your credit cards, interest rates and current monthly payments? | 4 cards with total min. mo. due of $499.39 and total debt of $23,057.99: #1 balance of $9,743.49 with a min. mo. due of $227.00 and 15.99% rate, #2 balance of $9,577.24 with a min. mo. due of $192.00 and 15.09% rate, #3 balance of $2,833.29 with a min. mo. due of $55.39 and 15.90% rate, and #4 balance of $903.97 with a min. mo. due of $25.00 and 25.99% rate. I'm better off closing the credit cards and making 1 mo. payment, plus slightly lowering the rate. Thank you, I'll hit my 3 yr payoff goal. |
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. | 4 cards with total min. mo. payments equal to $499.39 and total debt is $23,057.99: #1 AmEx balance of $9,743.49 with a min. mo. payment of $227.00 and a 15.99% rate, #2 Visa balance of $9,577.24 with a min. mo. payment of $192.00 and a 15.09% rate, #3 store card balance of $2,833.29 with a min. mo. payment of $55.39 and a 15.90% rate, and #4 store card balance of $903.97 with a min. mo. payment of $25.00 and a $25.99% rate. I can meet the mo. payment for this loan and thank you for opportunity. |
What is the total balance of your credit cards, interest rates and current monthly payments? | 4 cards with total min. mo. due of $499.39 and total debt of $23,057.99: #1 balance of $9,743.49 with a min. mo. due of $227.00 and 15.99% rate, #2 balance of $9,577.24 with a min. mo. due of $192.00 and 15.09% rate, #3 balance of $2,833.29 with a min. mo. due of $55.39 and 15.90% rate, and #4 balance of $903.97 with a min. mo. due of $25.00 and 25.99% rate. I'm better off closing the credit cards and making 1 mo. payment, plus slightly lowering the rate. Thank you, I'll hit my 3 yr payoff goal. |
Member Payment Dependent Notes Series 1411970
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411970 |
$17,000 |
$17,000 |
7.90% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411970. Member loan 1411970 was requested on July 9, 2012 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: | n/a | Debt-to-income ratio: | 5.42% |
Length of employment: | n/a | Location: | sarasota , 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 07/11/12 > to purchase antique truck<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,061.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 39.90% | 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)? | 1300.00 a month thats everything house bills car motorocycle ins everything is paid off except the house |
What are the balances, interest rates, and monthly payments on any other auto obligations? | i own a minicooper and vespa scooter which are both paid for |
What type of vehicle are you buying (make, model, year, mileage and condition)? | 66 chevy 62,000 very good |
How much money are you providing out of pocket as a down payment for this purchase? | 10,000 |
Member Payment Dependent Notes Series 1411977
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411977 |
$12,000 |
$12,000 |
6.62% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411977. Member loan 1411977 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,825 / month |
Current employer: | Bank of America | Debt-to-income ratio: | 14.69% |
Length of employment: | 5 years | Location: | Los Angeles, CA |
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 07/09/12 > Hello. I am requesting a loan to consolidate debt from various sources, which include credit cards and an IRS payment. With your help I will be able to reduce some of the stress, hassle that comes with paying different creditor and in return you will receive a timely payment with interest! Thank you<br><br> Borrower added on 07/16/12 > Thank you all for your investment! I'm confident that my loan will be 100% funded, which will assist me in a lot of ways. Currently, it is 20.62% funded and on it way to completion.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,255.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.90% | 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)? | Rent: 0.00<br>Gas: 240.00<br>Utilitites: 85.00<br>Phone: 120.00<br>Food: 200.00<br>Car: 350.00<br>Insurance: 120.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Card 1 Pmt 72 Balance 2481.19 Interest 19.90<br>Credit Card 2 Pmt 15 Balance 889.71 Interest 8.90<br>Credit Card 3 Pmt 15 Balance 396.64 Interest 4.5<br>Credit Card 4 Pmt 35 Balance 1429.21 Interest 14.95<br>Student Loan Pmt 85 Balance 4725.35 Interest 4.25<br>401K Loan Pmt 182 Balance 2789.45 |
Member Payment Dependent Notes Series 1411983
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1411983 |
$12,000 |
$12,000 |
11.14% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1411983. Member loan 1411983 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $8,833 / month |
Current employer: | Woodland Joint Unified School District | Debt-to-income ratio: | 8.12% |
Length of employment: | 5 years | Location: | SACRAMENTO, CA |
Home town: | |||
Current & past employers: | Woodland Joint Unified School District | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > We just found out we are going to be parents! We are very excited, but would love to have a slightly bigger space to bring baby home to. We will use this loan to pay off approximately $5000 in credit card debt and the remainder will be used towards a down payment on a house. Thank you!<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1994 | 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: | $6,251.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent-$1150<br>Cars & insurance: $1000<br>Gas to/from work: $500<br>Credit cards: $400 (but will pay these off with some of the loan) <br>Utilities: $250<br>Phones: $200<br>Food$400 |
What is the estimated current market value of the home you intend to purchase? | We don't have an exact home picked out yet, but are looking within the 180,000-220,000 range. |
Member Payment Dependent Notes Series 1412007
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412007 |
$12,000 |
$12,000 |
7.62% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412007. Member loan 1412007 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,583 / month |
Current employer: | Sucker Punch Productions | Debt-to-income ratio: | 11.69% |
Length of employment: | 3 years | Location: | REDMOND, WA |
Home town: | |||
Current & past employers: | Sucker Punch Productions | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I've recently had to retain a lawyer. This loan is to cover the estimated total fees.<br><br>I've previously taken out two loans from Lending Club. Both we're fully repaid early - one at about 18 months, and the other around 24.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,118.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 25.80% | 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)? | Roughly $3000 per month for rent, transportation, utilities and auto/renter's insurance (amortizing the cost over the year).<br><br>Presently about $1500 per month on food and entertainment. We've gotten by in the past on less and will be lowering this to around half the current amount.<br><br>An additional $460 (pretax) per month are going into a 401(k) to get employer matching. |
Member Payment Dependent Notes Series 1412025
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412025 |
$15,875 |
$15,875 |
19.05% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412025. Member loan 1412025 was requested on July 9, 2012 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: | JPMorgan Chase | Debt-to-income ratio: | 23.70% |
Length of employment: | 1 year | Location: | WESTON, FL |
Home town: | |||
Current & past employers: | JPMorgan 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 July 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 19 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | 31 |
Revolving Credit Balance: | $8,159.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.70% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1400 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards ~ $4,000<br>Student loan ~ $16,000<br>Total monthy payment ~ $400 |
Please explain the reason why you carry a large revolving credit balance. | Because of a hardship I had last year and high interest rates. |
What is your intended use for the loan proceeds? | Debr consolidation |
Member Payment Dependent Notes Series 1412029
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412029 |
$20,000 |
$20,000 |
6.62% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412029. Member loan 1412029 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $15,417 / month |
Current employer: | FAA | Debt-to-income ratio: | 12.66% |
Length of employment: | 10+ years | Location: | Spring, TX |
Home town: | |||
Current & past employers: | FAA | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/17/12 > the loan is to consolidate 3 payments into one and pay it off in 3 years. I've never been late on any of my commitments, and I never will.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 54 | Months Since Last Delinquency: | 50 |
Revolving Credit Balance: | $4,146.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 5.50% | 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 - $1233, no other loans on home. |
Member Payment Dependent Notes Series 1412097
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412097 |
$12,000 |
$12,000 |
6.62% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412097. Member loan 1412097 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,917 / month |
Current employer: | Beal Bank | Debt-to-income ratio: | 12.13% |
Length of employment: | 2 years | Location: | THE COLONY, TX |
Home town: | |||
Current & past employers: | Beal Bank | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I had to perform repairs on my home (new roof, water/sewer connection, furnace and windows) and I couldn't get a home equity loan so I used credit cards with 0% interest to finance the repairs. These cards lose their 0% interest rate in December and I'm looking to repay them using this loan.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 50 | Months Since Last Delinquency: | 55 |
Revolving Credit Balance: | $18,064.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 42.20% | 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)? | Mortgage - $1070<br>Car & fuel - $820<br>Utilities - less than $100<br>Phone - Company provided $0<br>Insurance - $150<br>Food, entertainment, misc - $600<br>Student loans - $400<br><br>Total ~ $3140 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Car - $18,280 - 3.99% - $619/month<br>Student loans - $36,000 - 5% - $350/month<br>Mortgage - $121,000 - 6.375% - $1070/month (includes escrow)<br>Credit cards - $16,500 - 0% (until December) - $165/month |
Please explain the reason why you carry a large revolving credit balance. | I have two revolving lines of credit that are currently at 0% interest. These lines were used to make repairs to my home including a new roof, water/sewer connection, furnace and windows. I intend to use the funds from this loan in addition to the $5,000 in cash I have to pay off these cards before the promotional period expires in December. |
Member Payment Dependent Notes Series 1412109
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412109 |
$3,250 |
$3,250 |
23.28% |
1.00% |
July 20, 2012 |
July 26, 2017 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412109. Member loan 1412109 was requested on July 12, 2012 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: | Lakewood Board of Education | Debt-to-income ratio: | 11.52% |
Length of employment: | 9 years | Location: | POINT PLEASANT BEACH, NJ |
Home town: | |||
Current & past employers: | Lakewood Board of Education | ||
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, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 29 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 53 | Months Since Last Delinquency: | 33 |
Revolving Credit Balance: | $2,820.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 12.40% | 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 provide additional details regarding the purpose of the loan. | To pay bills and rent for the remainder of the summer. |
What is your intended use for the loan proceeds? | To pay bills and rent. |
Member Payment Dependent Notes Series 1412132
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412132 |
$18,000 |
$18,000 |
19.05% |
1.00% |
July 24, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412132. Member loan 1412132 was requested on July 9, 2012 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: | Cass Realty Inc | Debt-to-income ratio: | 31.32% |
Length of employment: | 3 years | Location: | Livonia, MI |
Home town: | |||
Current & past employers: | Cass Realty Inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/16/12 > I plan to consolidate credit cards and finish up the list of repairs on my new home purchased in June to obtain a C of O. It is these repairs that has consumed most of my borrowing. The deed to the home has not been recorded on the county's end and therefore a home equity line is not yet an option.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | 35 |
Revolving Credit Balance: | $16,710.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 77.70% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage: 370 (740/2)<br>HELOC on 2nd home: 50<br>CC1: 106<br>CC2: 74<br>Gas: 180<br>Phone:80<br>Student Loan: 140<br>Insurance: 140<br>Utilities: 160<br>Car Note: 360<br>Food: 350 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Line of Credit on 2nd home: (intend to sell)<br>$10500 mo pmt 50<br>CC's: 3 of them totalling $11000 monthly pmt 266<br>Student loans: $25000 (This has recently been switched to a different servicer and subsequently double counted on my installment type loans on my credit report<br>Mortgage: $87600 pmt 740/2 370<br>Car Note: 14500 mo pmt 360 |
Please explain the reason why you carry a large revolving credit balance. | Three credit cards: <br>CC1 $3500 CC2:$2500 CC3: $5000<br>HELOC on 2nd home: $10500<br>I bought a foreclosure FHA and have made extensive repairs to the house. |
If you have a delinquency in the last 2 years, please explain the reason. | I had one 1.7 years ago when I forgot to pay my car note online. By the time they called me, it was listed as 30 days on my report. I now have automatic deductions. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Line of Credit on 2nd home: (intend to sell)<br>$10500 mo pmt 50<br>CC's: 3 of them totalling $11000 monthly pmt 266<br>Student loans: $25000 (This has recently been switched to a different servicer and subsequently double counted on my installment type loans on my credit report<br>Mortgage: $87600 pmt 740/2 370<br>Car Note: 14500 mo pmt 360 |
Member Payment Dependent Notes Series 1412134
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412134 |
$10,075 |
$10,075 |
14.33% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412134. Member loan 1412134 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,700 / month |
Current employer: | Gymboree | Debt-to-income ratio: | 23.84% |
Length of employment: | 5 years | Location: | DIXON, CA |
Home town: | |||
Current & past employers: | Gymboree | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > This loan is for consolidating all my card bills into one easy payment.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2004 | 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: | $18,914.00 | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Morgage payment, car payment, insurance, phone, card bills, food. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Best buy $1,500. Best buy Master, 1,200, Sams club $999, Chase $850, us card $1,700. All around 20% interest. Morgage 1,300 at 3.25. Car 18,000 at 6% Line of credit 13,000. |
Please explain the reason why you carry a large revolving credit balance. | Home improvments. |
Member Payment Dependent Notes Series 1412152
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412152 |
$20,000 |
$20,000 |
15.80% |
1.00% |
July 19, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412152. Member loan 1412152 was requested on July 9, 2012 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: | Delta Airlines | Debt-to-income ratio: | 24.05% |
Length of employment: | 10+ years | Location: | SAN DIEGO, CA |
Home town: | |||
Current & past employers: | Delta Airlines | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > I would like to be debt free, therefore I want to pay off all my credit card and live a cash only life. I am sick of being in a cash poor situation because I am constantly paying off revolving debt. I am never late with payments. I need to dig myself out of this hole, and I'm hoping you can help.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1998 | 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: | $24,252.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.80% | 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)? | I do not pay rent, my partner does although he is overseas. I pay $110 for my cell phone as have just disconnected my home phone. $118 for cable and Internet, $200 per two months for water. He pays the power. |
Please explain the reason why you carry a large revolving credit balance. | Because I was off a few back from work with an injury that needed surgery and I have not recovered financially and would like too. I also moved out to CA from IL in 2011 which was a costly move. |
Member Payment Dependent Notes Series 1412156
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412156 |
$17,325 |
$17,325 |
21.00% |
1.00% |
July 23, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412156. Member loan 1412156 was requested on July 9, 2012 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: | Gallina LLP | Debt-to-income ratio: | 14.08% |
Length of employment: | 10+ years | Location: | ANTELOPE, CA |
Home town: | |||
Current & past employers: | Gallina LLP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > This loan is to pay off debt.<br><br> Borrower added on 07/09/12 > This loan is to pay off my credit cards and be debt free in 5 years. The loan payment is less than my current minimum payments and I have never had a late payment. I so badly want to get off the credit card merry-go-round that leaves me paying interest every month but never pays off the debt.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,266.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 93.30% | 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: 1150<br>Transportation: 100<br>Utilities: 70<br>Phone: 12<br>Insurance: 70<br>Food: 150<br>Debt: 675 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards: $13,600 average interest rate 25.99%<br>Mortgage: $211,000 at 4.25% |
Please explain the reason why you carry a large revolving credit balance. | Mostly because when I was younger I was incredibly stupid! I thought that credit cards were an easy way to have the things I wanted without realizing how hard they are to pay off. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | This loan is for the sole purpose of debt consolidation. |
Which debts do you plan to pay off with this loan? | I plan to pay off everything except for my mortgage. |
Member Payment Dependent Notes Series 1412166
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412166 |
$12,000 |
$12,000 |
10.16% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412166. Member loan 1412166 was requested on July 9, 2012 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: | US Coast Guard | Debt-to-income ratio: | 29.44% |
Length of employment: | 10+ years | Location: | BARRINGTON, RI |
Home town: | |||
Current & past employers: | US Coast Guard | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Greetings, this loan request is to consolidate all credit card payments in to one monthly payment. I am not having any trouble at all paying bills (as reflected in my credit report and loan rating). I just want to simplify and reduce interest rates.<br><br> Borrower added on 07/14/12 > Paying $700.00 a month for 18 years on revolving credit is stupid....good business is $390 for 3 years.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $16,327.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 38.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: 750.00 Transportation: 435 Utilities: 150 Insurance: 450 |
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. | I am paying 700 a month on revolving charges. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | $700.00 total minimum payments. |
What is the total balance of your credit cards, interest rates and current monthly payments? | Approx Total Owed: $11,000. Total Monthly Payments: $500.00. Average Interest: 17.9% (Revolving Interest) I have no problems with the payments monthly as is, but I am throwing away a lot of money on revolving credit percentages. Would rather pay the 10% offered with this loan and pay it off in 2 or 2 1/2 years vice 18 years. Hope this answered the question. Thanks for your question. |
Member Payment Dependent Notes Series 1412236
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412236 |
$6,075 |
$6,075 |
12.12% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412236. Member loan 1412236 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,766 / month |
Current employer: | Verizon Wireless | Debt-to-income ratio: | 11.89% |
Length of employment: | 4 years | Location: | wilmington, NC |
Home town: | |||
Current & past employers: | Verizon Wireless | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Debt consolidation for for bills and credit accounts<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2007 | 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: | $3,053.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 57.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Currently my monthly expenses estimate around $689 rent, gas for my car $160, electricity $70, water $ 23, phone bill $83, car insurance $105, and groceries $200. So altogether I around $1330.00 in expenses. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Intereset rates I'm not completely sure of but currently for credit cards I have two which together have a balance of $3400.00, however individually I pay monthly $89.00 for one and $10 for the other. Currenlty I have a student loan for $3379.20 which require 1/3 payments of $1126.40 to be paid in a six month time frame. And I also have my auto loan currently at $9000 with monthly payment of $252. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Intereset rates I'm not completely sure of but currently for credit cards I have two which together have a balance of $3400.00, however individually I pay monthly $89.00 for one and $10 for the other. Currenlty I have a student loan for $3379.20 which require 1/3 payments of $1126.40 to be paid in a six month time frame. And I also have my auto loan currently at $9000 with monthly payment of $252. |
Which debts do you plan to pay off with this loan? | According to many debt consolidation organizations you should pay off debts that have the highest interest rate. So I will be paying off my credit cards first because they have the highest interest rates. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Intereset rates I'm not completely sure of but currently for credit cards I have two which together have a balance of $3400.00, however individually I pay monthly $89.00 for one and $10 for the other. Currenlty I have a student loan for $3379.20 which require 1/3 payments of $1126.40 to be paid in a six month time frame. And I also have my auto loan currently at $9000 with monthly payment of $252. |
Member Payment Dependent Notes Series 1412251
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412251 |
$12,800 |
$12,800 |
11.14% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412251. Member loan 1412251 was requested on July 9, 2012 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: | Viridian | Debt-to-income ratio: | 24.02% |
Length of employment: | 2 years | Location: | Little Rock, AR |
Home town: | |||
Current & past employers: | Viridian | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > This loan is to pay off some high interest credit cards and a student loan. Thank you for your support.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 43 |
Revolving Credit Balance: | $16,738.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 56.00% | 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)? | Rent - $1,800<br>Transportation (car note, insurance, gas) - $750<br>Utilities (elec, gas, water, internet) - $550<br>Phone - 0 (paid by company)<br>Food - $600 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards - 11k at 24.99% - $450 per month<br>Student loans - 24k at 6.85-10% - $300 per month<br>Car Note - 25k at 5.5% - $515 per month |
Please explain the reason why you carry a large revolving credit balance. | I used credit cards to pay for various items such as car repairs, furniture, a new computer, and a vacation. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards - 11k at 24.99% - $450 per month<br>Student loans - 24k at 6.85-10% - $300 per month<br>Car Note - 25k at 5.5% - $515 per month |
Member Payment Dependent Notes Series 1412293
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412293 |
$23,200 |
$23,200 |
7.62% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412293. Member loan 1412293 was requested on July 9, 2012 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: | HENKEL CORP | Debt-to-income ratio: | 17.72% |
Length of employment: | 10+ years | Location: | taunton, MA |
Home town: | |||
Current & past employers: | HENKEL CORP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > THIS LOAN IS TO CONSOLIDATE MY HIGH INTEREST CREDIT CARDS DEBTS.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 21 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,879.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 26.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | AROUND $ 700.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | AROUND $25,000.00, INTEREST BETWEEN 14% AND 18%. CREDIT CARDS MONTHLY $600.00, STUDENT LOAN $ 150.00, MORTGAGE $ 875.00. |
Please explain the reason why you carry a large revolving credit balance. | UNEXPECTED EXPENSES. |
Which debts do you plan to pay off with this loan? | ALL MY CREDIT CARDS DEBT. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | AROUND $25,000.00, INTEREST BETWEEN 14% AND 18%. CREDIT CARDS MONTHLY $600.00, STUDENT LOAN $ 150.00, MORTGAGE $ 875.00. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The purpose of the loan is to payoff my credit cards debt, I will allocate the money according with the balance of each of them. |
Member Payment Dependent Notes Series 1412359
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412359 |
$24,000 |
$24,000 |
15.31% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412359. Member loan 1412359 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $11,208 / month |
Current employer: | City of Los Angeles | Debt-to-income ratio: | 7.24% |
Length of employment: | 10+ years | Location: | LOS ANGELES, CA |
Home town: | |||
Current & past employers: | City of Los Angeles | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > This loan is for getting rid of high interest rate loans and credit cards. This will allow me to have one payment in order to rid my debt.<br><br> Borrower added on 07/15/12 > This loan will be a big help as I also own a 4 unit apartment complex which I have done many repairs to. Through this loan I will be able to combine most of my credit cards and high interest loans into one payment. This will free up extra cash to pay off the balance much quicker. Will pay off !<br><br> Borrower added on 07/15/12 > Tell your story. What is your loan for?<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 45 | Months Since Last Delinquency: | 47 |
Revolving Credit Balance: | $10,083.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.10% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly expenses are mortgage, phone, transportation, food, credit cards and also repairs to a 4 unit apartment that I own . |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My largest loan amount is around $9,000. 00 with a very high rate of 54% this loan with cash call will be the first to pay off. This loan has a monthly payment of $ 750.00 . Credit cards around $14,000.00 with montly payments of $550.00. |
Please explain the reason why you carry a large revolving credit balance. | The reason I carry large revolving credit is due to monthly repairs I make on my apartments. This why I need a loan around $25,000.00 with low rate to put them all together and get rid of the debt. Normal banks never loan funds and I have to go with places like cash call for help with very high interest rates.i |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My largest loan amount is around $9,000. 00 with a very high rate of 54% this loan with cash call will be the first to pay off. This loan has a monthly payment of $ 750.00 . Credit cards around $14,000.00 with montly payments of $550.00. |
Which debts do you plan to pay off with this loan? | I plan to pay off the other loans with high interest rates and also combine as many credit cards together so I can rid my debt away. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My largest loan amount is around $9,000. 00 with a very high rate of 54% this loan with cash call will be the first to pay off. This loan has a monthly payment of $ 750.00 . Credit cards around $14,000.00 with montly payments of $550.00. |
Member Payment Dependent Notes Series 1412391
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412391 |
$8,000 |
$8,000 |
12.12% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412391. Member loan 1412391 was requested on July 9, 2012 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: | Alfonso & Sons Landscaping | Debt-to-income ratio: | 34.61% |
Length of employment: | 4 years | Location: | CARNEGIE, PA |
Home town: | |||
Current & past employers: | Alfonso & Sons Landscaping | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > plan to pay off credit cards and remaining balance on auto loan, pay for unexpected repairs to current vehicle and looking to purchase a used second vehicle for more reliable transportation to work.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 49 |
Revolving Credit Balance: | $6,892.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 42.30% | 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)? | Currently no rent expenses, vehicle will be paid off in two months (hoping to use funding to pay this off) which will omit that expense. Utilites, phone, insurance and food are about 300.00 to 400.00 per month. |
What is your intended use for the loan proceeds? | My wife and I would like to condense our credit card debt and payoff the remaining balance to our main vehicle. We also intend to use the loan proceeds for a purchase of a used second vehicle for more reliable transporation, as well as unexpected repairs needed to our main vehicle. |
Member Payment Dependent Notes Series 1412396
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412396 |
$16,000 |
$16,000 |
6.62% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412396. Member loan 1412396 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $12,500 / month |
Current employer: | PBK International | Debt-to-income ratio: | 1.75% |
Length of employment: | 6 years | Location: | Downey, CA |
Home town: | |||
Current & past employers: | PBK International | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > This loan is for debt consolidation. 780+ FICO every payment will be made on time!<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $1,670.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 16.70% | 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)? | Less than $ 2500.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total debt less than 15000.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total debt less than 15000.00 |
Which debts do you plan to pay off with this loan? | All outstanding debt |
What is your intended use for the loan proceeds? | Pay off outstanding debt at a lower APR |
Member Payment Dependent Notes Series 1412413
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412413 |
$15,000 |
$15,000 |
11.14% |
1.00% |
July 19, 2012 |
July 24, 2017 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412413. Member loan 1412413 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $8,917 / month |
Current employer: | State of New Jersey | Debt-to-income ratio: | 6.58% |
Length of employment: | 8 years | Location: | PLAINFIELD, NJ |
Home town: | |||
Current & past employers: | State of New Jersey | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > simple credit card consolidation I want to reduce the payments to one!<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1986 | 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: | $14,406.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.10% | 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 |
Which debts do you plan to pay off with this loan? | consolidate credit cards all listed |
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 toward ultilties and house hold 500.00 per month |
Which debts do you plan to pay off with this loan? | consolidate credit cards all listed |
Member Payment Dependent Notes Series 1412420
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412420 |
$12,000 |
$12,000 |
13.11% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412420. Member loan 1412420 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $14,833 / month |
Current employer: | Kohlberg Kravis Roberts | Debt-to-income ratio: | 17.99% |
Length of employment: | < 1 year | Location: | MANALAPAN, NJ |
Home town: | |||
Current & past employers: | Kohlberg Kravis Roberts | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > My objective is to refinance my credit card debt. My weighted average interest rate is currentlty 21.25% and this loan will help me to not only achieve a lower interest rate, but to also consolidate my monthly payments into one payment that is $75 less than my previous monthly payments combined.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | 79 |
Revolving Credit Balance: | $21,318.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.10% | 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)? | Current monthly expenses include Rent/Utilities - $1400, Car/Insurance - $650, Food - $400-500. Note that my phone, health insurance and commuting expenses are subsidized fully by my work. |
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 - $2,500; Visa - $2,450; MC - 4,950; MC - 1,450. My weighted average interest rate is 21.25% and I am currently making payments of $600 per month on these cards. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Minimum monthly payments average $500 per month. I am currently making payments from $500-$700 per month to pay down the cards. |
Member Payment Dependent Notes Series 1412438
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412438 |
$20,000 |
$20,000 |
8.90% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412438. Member loan 1412438 was requested on July 9, 2012 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: | US Department of Transportation | Debt-to-income ratio: | 5.45% |
Length of employment: | < 1 year | Location: | Collingswood, NJ |
Home town: | |||
Current & past employers: | US Department of Transportation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I wish to consolidate Credit Cards. These climbed up due to a tough transition time - coordinating a place to live between my work and girlfriend's. But now, got the job I wanted and am finally settling down. Time to clean this up...<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 44 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $18,213.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 31.00% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Current expenses are high - that's due to getting a job in DC while still on a lease in Philadelphia. I commute down to DC on Amtrak once a week, stay in a room and come back to Philly on Fridays. Because of this situation, I'm treading water currently - money in equals money out<br>This is changing at the end of August as I'll be moving to MD which eliminates Amtrak weekly commuting and the additional DC rent and food... <br>MD rent, transport, phone, etc. - ~$1600 |
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. | Disc - $8500, 16%, $210<br>MC - $5500, 9%, $100<br>Visa- $6000, 14%, $74 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I want the loan to consolidate all CCs into single monthly payment. Then any future CC expenses would be paid off in full each month. |
Please explain the reason why you carry a large revolving credit balance. | Moved to a place near Philadelphia for a better commute between my old job and girlfriend's. Then got a job in DC which I wasn't going to reject. We were locked into a lease that is up at the end of August. So I've been doing the weekly commute to DC on Amtrak plus renting a room, food, etc. for the past 8 months.<br>So I've really been treading water - money in equals money out and not able to pay down the CC debt. |
Member Payment Dependent Notes Series 1412450
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412450 |
$11,700 |
$11,700 |
6.62% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412450. Member loan 1412450 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,833 / month |
Current employer: | lodge at ventana canyon | Debt-to-income ratio: | 18.35% |
Length of employment: | 5 years | Location: | tucson, AZ |
Home town: | |||
Current & past employers: | lodge at ventana canyon | ||
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, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1980 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 33 |
Revolving Credit Balance: | $19,369.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 29.60% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | aound 2000 for the entire household |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 17000 for c.c.,w/monthly payments of 500,1250 a month for mortgage 5.5 % interest rate |
Please explain the reason why you carry a large revolving credit balance. | by unfortunate necessity,not by design...the bulk of my C.C. debt is a combination of 3 consecutive years of medical deductibles,dental care,unforeseen car repairs and miscellianous emergencies... |
If you have a delinquency in the last 2 years, please explain the reason. | no delinquency to my knowledge |
Member Payment Dependent Notes Series 1412461
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412461 |
$33,950 |
$33,950 |
13.11% |
1.00% |
July 24, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412461. Member loan 1412461 was requested on July 9, 2012 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: | Prodea Systems | Debt-to-income ratio: | 16.19% |
Length of employment: | 5 years | Location: | Sachse, TX |
Home town: | |||
Current & past employers: | Prodea Systems | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > This loan will be used for paying off several credit cards and 2 other debt consolidation loans with higher interest rates. This ultimately should increase monthly cash flow by roughly $500 per month. Please feel free to ask for any proof or documents and I will provide promptly.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,936.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 50.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | house payment $1200<br>Phone (2 cell phones) $120<br>Electric$250<br>Car payment $580<br>2nd car paid off<br>food $800 (6 people)<br>2 debt consolidation loans$700<br>current credit card payments $ 800<br>insurance $125 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I dont have the list in front of me right now, but even with good payment history,always had good payment history, almost all of my cards are 25-30% interest. <br><br>Mortgage $1200 roughly balance $131K<br>no student loans<br>Auto loan $580 a month roughly 8.9%<br>debt consolidation loan $14k 20.5% interest $398<br>debt consolidation loan $4k 30% interest $289<br>want to pay those off with this loan and put all the rest toward credit card debt. |
Please explain the reason why you carry a large revolving credit balance. | well 3 years ago we made a choice to not use credit cards unless absolutely necessary. Total outstanding debt has been reduced on a monthly basis. we are simply trying to speed the process up and make it more manageable and free up more income to pay things down faster.<br><br>I was laid off for a year in 2001 which is when alot of debt was accumulated. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I dont have the list in front of me right now, but even with good payment history,always had good payment history, almost all of my cards are 25-30% interest. <br><br>Mortgage $1200 roughly balance $131K<br>no student loans<br>Auto loan $580 a month roughly 8.9%<br>debt consolidation loan $14k 20.5% interest $398<br>debt consolidation loan $4k 30% interest $289<br>want to pay those off with this loan and put all the rest toward 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 dont have the list in front of me right now, but even with good payment history,always had good payment history, almost all of my cards are 25-30% interest. <br><br>Mortgage $1200 roughly balance $131K<br>no student loans<br>Auto loan $580 a month roughly 8.9%<br>debt consolidation loan $14k 20.5% interest $398<br>debt consolidation loan $4k 30% interest $289<br>want to pay those off with this loan and put all the rest toward 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)? | Mortgage 1250 a month (mortgage,insurance and taxes )<br>Utilities avg $250 a month for gas and electric<br>No home equity loan. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I dont have the list in front of me right now, but even with good payment history,always had good payment history, almost all of my cards are 25-30% interest. <br><br>Mortgage $1200 roughly balance $131K<br>no student loans<br>Auto loan $580 a month roughly 8.9%<br>debt consolidation loan $14k 20.5% interest $398<br>debt consolidation loan $4k 30% interest $289<br>want to pay those off with this loan and put all the rest toward credit card debt. |
Member Payment Dependent Notes Series 1412462
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412462 |
$9,000 |
$9,000 |
14.33% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412462. Member loan 1412462 was requested on July 9, 2012 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: | Gannett | Debt-to-income ratio: | 25.20% |
Length of employment: | 5 years | Location: | DE PERE, WI |
Home town: | |||
Current & past employers: | Gannett | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I am looking to actively pay down debt over the course of the next few years, starting with a Discover charge. While I was offered more money through this loan, the amount I requested is more manageable and will allow me to pay a large portion of it off and the entire amount more quickly. Thank you!<br><br> Borrower added on 07/16/12 > I want to be out of debt! I'd like to use these loan proceeds to pay off two cards, each with interest rates above 22%, and with monthly payments that would equal those of this loan. This would help considerably in reducing debt in the short- and long-terms. Thank you so much for your time and help!<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $34,210.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 71.70% | 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)? | I own, and my portion of the mortgage is about $500/month. My car payment is $354/month, and I spend about $60/month on gas. Phone is $75, gas/electric about $80, home/auto/life insurance $90/month, and food is about $250. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage balance is $167K, and my portion of the mortgage is $500/month.<br>I have no student loans.<br>Credit card balances/interest rates/payments are as follows:<br>- Discover, $15K, 22.99%, $305/month (and this is the one I'd like to take a bite out of)<br>- Bank of America, $6800, 10.99%, $145/<br>- Wells Fargo, $7800, 17.99%, $220/<br>- Citi, $2200, 10.99%, $50<br>- Lowe's, $1700, 20.99%, $50 |
Please explain the reason why you carry a large revolving credit balance. | Certainly, no one wants to carry such a large balance. I have been working the last couple of years to pay it down (e.g., B of A has gone from just under $11K to just under $7K), but the high interest rates, minimum payments, and new family expenses make it difficult. I also want to maintain a "cushion" of money each month for emergencies, and I NEVER miss a payment. This loan, and the low(er) interest rate associated with it, will take a huge chunk out and continue the debt elimination. |
Member Payment Dependent Notes Series 1412494
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412494 |
$21,000 |
$21,000 |
19.72% |
1.00% |
July 18, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412494. Member loan 1412494 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,083 / month |
Current employer: | Farmers Insurance | Debt-to-income ratio: | 14.61% |
Length of employment: | 5 years | Location: | FOLSOM, CA |
Home town: | |||
Current & past employers: | Farmers Insurance | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > This loan will be used to pay off high interest credit cards to consolidate to one monthly payment. All outstanding debts are current, and most accounts are closed.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $17,896.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $1240<br>Utilities (gas, electric, sewer) $80<br>Phone, internet - $125<br>Transportation - $40 (I have a company car, all gas and maintenance is paid, I pay a minimal amount for insurance)<br>Insurance - All paid through payroll deduction ($10 auto, $375 health/dental). None out of net income<br>Food/Entertainment - $400 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $31000 total amount of credit cards, interest rates up to 29.99% monthly total payments of credit cards $900, student loans $155. The interest rates in mycredit cards are making it very difficult to pay down the balances. |
Please explain the reason why you carry a large revolving credit balance. | 5 years ago I took a large pay cut when I took a new job. I used credit cards unwisely to make up the gap while I restructured my spending. Unexpected legal costs 3 years ago caused additional usage of the cards. At this time, all but 3 accounts are closed, and I have been diligently paying down the balances since then. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $31000 total amount of credit cards, interest rates up to 29.99% monthly total payments of credit cards $900, student loans $155. The interest rates in mycredit cards are making it very difficult to pay down the balances. |
Which debts do you plan to pay off with this loan? | Pay off 8 credit cards balances, and half of another. I am borrowing enough, with this loan, to pay off the balances of the highest interest rate cards. All but 3 of the accounts are closed, and only 1 account will remain open to rebuild credit and show good standing. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $31000 total amount of credit cards, interest rates up to 29.99% monthly total payments of credit cards $900, student loans $155. The interest rates in mycredit cards are making it very difficult to pay down the balances. |
Which debts do you plan to pay off with this loan? | Pay off 8 credit cards balances, and half of another. I am borrowing enough, with this loan, to pay off the balances of the highest interest rate cards. All but 3 of the accounts are closed, and only 1 account will remain open to rebuild credit and show good standing. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $1240<br>Utilities (gas, electric, sewer) $80<br>Phone, internet - $125<br>Transportation - $40 (I have a company car, all gas and maintenance is paid, I pay a minimal amount for insurance)<br>Insurance - All paid through payroll deduction ($10 auto, $375 health/dental). None out of net income<br>Food/Entertainment - $400 |
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, Utilities - $125, Phone/internet - $125, Insurance - $10 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $31000 total amount of credit cards, interest rates up to 29.99% monthly total payments of credit cards $900, student loans $155. The interest rates in mycredit cards are making it very difficult to pay down the balances. |
Which debts do you plan to pay off with this loan? | Pay off 8 credit cards balances, and half of another. I am borrowing enough, with this loan, to pay off the balances of the highest interest rate cards. All but 3 of the accounts are closed, and only 1 account will remain open to rebuild credit and show good standing. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | This loan will only be used to pay down credit card balances. I am paying the highest rate cards off first, and applying the remaining funds to a credit card with a large balances, which will reduce that card to half the balance. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $31000 total amount of credit cards, interest rates up to 29.99% monthly total payments of credit cards $900, student loans $155. The interest rates in mycredit cards are making it very difficult to pay down the balances. |
Please explain the reason why you carry a large revolving credit balance. | 5 years ago I took a large pay cut when I took a new job. I used credit cards unwisely to make up the gap while I restructured my spending. Unexpected legal costs 3 years ago caused additional usage of the cards. At this time, all but 3 accounts are closed, and I have been diligently paying down the balances since then. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | This loan will only be used to pay down credit card balances. I am paying the highest rate cards off first, and applying the remaining funds to a credit card with a large balances, which will reduce that card to half the balance. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $1240<br>Utilities (gas, electric, sewer) $80<br>Phone, internet - $125<br>Transportation - $40 (I have a company car, all gas and maintenance is paid, I pay a minimal amount for insurance)<br>Insurance - All paid through payroll deduction ($10 auto, $375 health/dental). None out of net income<br>Food/Entertainment - $400 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $31000 total amount of credit cards, interest rates up to 29.99% monthly total payments of credit cards $900, student loans $155. The interest rates in mycredit cards are making it very difficult to pay down the balances. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $1240<br>Utilities (gas, electric, sewer) $80<br>Phone, internet - $125<br>Transportation - $40 (I have a company car, all gas and maintenance is paid, I pay a minimal amount for insurance)<br>Insurance - All paid through payroll deduction ($10 auto, $375 health/dental). None out of net income<br>Food/Entertainment - $400 |
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, Utilities - $125, Phone/internet - $125, Insurance - $10 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $31000 total amount of credit cards, interest rates up to 29.99% monthly total payments of credit cards $900, student loans $155. The interest rates in mycredit cards are making it very difficult to pay down the balances. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $1240<br>Utilities (gas, electric, sewer) $80<br>Phone, internet - $125<br>Transportation - $40 (I have a company car, all gas and maintenance is paid, I pay a minimal amount for insurance)<br>Insurance - All paid through payroll deduction ($10 auto, $375 health/dental). None out of net income<br>Food/Entertainment - $400 |
Please explain the reason why you carry a large revolving credit balance. | 5 years ago I took a large pay cut when I took a new job. I used credit cards unwisely to make up the gap while I restructured my spending. Unexpected legal costs 3 years ago caused additional usage of the cards. At this time, all but 3 accounts are closed, and I have been diligently paying down the balances since then. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $1240<br>Utilities (gas, electric, sewer) $80<br>Phone, internet - $125<br>Transportation - $40 (I have a company car, all gas and maintenance is paid, I pay a minimal amount for insurance)<br>Insurance - All paid through payroll deduction ($10 auto, $375 health/dental). None out of net income<br>Food/Entertainment - $400 |
Which debts do you plan to pay off with this loan? | Pay off 8 credit cards balances, and half of another. I am borrowing enough, with this loan, to pay off the balances of the highest interest rate cards. All but 3 of the accounts are closed, and only 1 account will remain open to rebuild credit and show good standing. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $31000 total amount of credit cards, interest rates up to 29.99% monthly total payments of credit cards $900, student loans $155. The interest rates in mycredit cards are making it very difficult to pay down the balances. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $31000 total amount of credit cards, interest rates up to 29.99% monthly total payments of credit cards $900, student loans $155. The interest rates in mycredit cards are making it very difficult to pay down the balances. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $31000 total amount of credit cards, interest rates up to 29.99% monthly total payments of credit cards $900, student loans $155. The interest rates in mycredit cards are making it very difficult to pay down the balances. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $31000 total amount of credit cards, interest rates up to 29.99% monthly total payments of credit cards $900, student loans $155. The interest rates in mycredit cards are making it very difficult to pay down the balances. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $1240<br>Utilities (gas, electric, sewer) $80<br>Phone, internet - $125<br>Transportation - $40 (I have a company car, all gas and maintenance is paid, I pay a minimal amount for insurance)<br>Insurance - All paid through payroll deduction ($10 auto, $375 health/dental). None out of net income<br>Food/Entertainment - $400 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $31000 total amount of credit cards, interest rates up to 29.99% monthly total payments of credit cards $900, student loans $155. The interest rates in mycredit cards are making it very difficult to pay down the balances. |
Member Payment Dependent Notes Series 1412505
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412505 |
$2,000 |
$2,000 |
8.90% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412505. Member loan 1412505 was requested on July 9, 2012 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: | Raytheon | Debt-to-income ratio: | 1.82% |
Length of employment: | 3 years | Location: | Walnut, CA |
Home town: | |||
Current & past employers: | Raytheon | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I wanna save moeny and pay off credit cards.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 42 |
Revolving Credit Balance: | $11,467.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 9.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1412525
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412525 |
$25,000 |
$25,000 |
21.00% |
1.00% |
July 18, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412525. Member loan 1412525 was requested on July 9, 2012 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: | Fujitsu Netwook Communication | Debt-to-income ratio: | 16.96% |
Length of employment: | 10+ years | Location: | Richardson, TX |
Home town: | |||
Current & past employers: | Fujitsu Netwook Communication | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I have had several unexpected major cash outlays that have totally disrupted my budget and cash flow. Am trying to recover my budget and cash flow<br><br> Borrower added on 07/15/12 > Am attempting to reduce/eliminate the revolving credit balance, Due to circumstances at the time it was needed. Now things have changed and are trying to reduce/eliminate debt.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 3 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | 6 |
Revolving Credit Balance: | $7,918.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.20% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Utilities 400<br>Phone 300<br>Insurance 400<br>Utilities 200<br>Trans 200<br>Food 600 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage 1200<br>Student Loan 150<br>Credit card Bal 10,000 Payment 370 Int. 23.9<br>Credit card Bal 7600 Payment 450 Int. 26.9<br>Short term loans 1500 Payment 350<br>Line of credit 14,000 Payment 780 |
If you have a delinquency in the last 2 years, please explain the reason. | Unexpected major financial payments that have greatly disrupted cash flow and budget. |
Please explain the reason why you carry a large revolving credit balance. | Due to certain conditions which have now been relieved it was necessary and could not be avoided. These conditions have been relieved and are wanting to gain control back and consolidate this debt so we can increase our cash flow to cascade payments to pay off the debt. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage 1200<br>Student Loan 150<br>Credit card Bal 10,000 Payment 370 Int. 23.9<br>Credit card Bal 7600 Payment 450 Int. 26.9<br>Short term loans 1500 Payment 350<br>Line of credit 14,000 Payment 780 |
Member Payment Dependent Notes Series 1412583
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412583 |
$6,000 |
$6,000 |
12.12% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412583. Member loan 1412583 was requested on July 9, 2012 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: | Altura Credit Union | Debt-to-income ratio: | 13.25% |
Length of employment: | 4 years | Location: | RIVERSIDE, CA |
Home town: | |||
Current & past employers: | Altura Credit Union | ||
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, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2005 | 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: | $3,392.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 53.00% | 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)? | Approximately $383 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | One credit card balance is $3,200. APR is 14.99, monthly payment of $70. My other credit card balance is $897.29 APR is 7.99 monthly payments are $25.00<br>Personal loan $2,000. APR 26.99, monthly payment $105.00<br>Student loan $16,300. Monthly payment $86.00<br>I have been paying the minimum on some to pay off others. Recently paid off 2 credit cards. |
Member Payment Dependent Notes Series 1412585
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412585 |
$22,750 |
$22,750 |
23.76% |
1.00% |
July 23, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412585. Member loan 1412585 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,869 / month |
Current employer: | Southern Medical Corporation | Debt-to-income ratio: | 28.85% |
Length of employment: | 5 years | Location: | BATON ROUGE, LA |
Home town: | |||
Current & past employers: | Southern Medical Corporation | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Debt consolidation. I would like to have all debt on one note so I can pay off faster.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 19 |
Revolving Credit Balance: | $27,580.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Utilities $140, phone/cable/Internet $135, Ins $340, food $300-400, transportation $100<br>No rent. Mortgage $800 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | LOC ~$2500 ?int rate $125 (for 20mo)<br>LOC ~$2000 ?int rate $201 (for 8 mo)<br>Auto ?bal ?int rate $599.98/mo (~2 more years)<br>Credit Card $2076 27.99% $69<br>Credit Card $6052 13.99% $135<br>Credit Card $1357 19.99% $139<br>Credit Card $347 26.99% $35<br>Credit Card $7426 21.4% $202<br>Credit Card $1519 19.8% $42<br>Credit Card $2014 29.99% $70<br>Credit Card $3948 15.9% $ 160<br>Credit Card $850 0%/ $121 26.99% $15<br>LOC $3280 0% $137<br>LOC $3300 0% $137.50 |
Please explain the reason why you carry a large revolving credit balance. | Over the years I have accumulated serveral credit cards and lines of credit. I now wish to consolidate so I can get debt paid off. |
If you have a delinquency in the last 2 years, please explain the reason. | None that I know of. |
Which debts do you plan to pay off with this loan? | As many lines of credit/credit cards that I can. Will keep the 0% interest loans because those will be paid off in a year or two. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | LOC ~$2500 ?int rate $125 (for 20mo)<br>LOC ~$2000 ?int rate $201 (for 8 mo)<br>Auto ?bal ?int rate $599.98/mo (~2 more years)<br>Credit Card $2076 27.99% $69<br>Credit Card $6052 13.99% $135<br>Credit Card $1357 19.99% $139<br>Credit Card $347 26.99% $35<br>Credit Card $7426 21.4% $202<br>Credit Card $1519 19.8% $42<br>Credit Card $2014 29.99% $70<br>Credit Card $3948 15.9% $ 160<br>Credit Card $850 0%/ $121 26.99% $15<br>LOC $3280 0% $137<br>LOC $3300 0% $137.50 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | LOC ~$2500 ?int rate $125 (for 20mo)<br>LOC ~$2000 ?int rate $201 (for 8 mo)<br>Auto ?bal ?int rate $599.98/mo (~2 more years)<br>Credit Card $2076 27.99% $69<br>Credit Card $6052 13.99% $135<br>Credit Card $1357 19.99% $139<br>Credit Card $347 26.99% $35<br>Credit Card $7426 21.4% $202<br>Credit Card $1519 19.8% $42<br>Credit Card $2014 29.99% $70<br>Credit Card $3948 15.9% $ 160<br>Credit Card $850 0%/ $121 26.99% $15<br>LOC $3280 0% $137<br>LOC $3300 0% $137.50 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | LOC ~$2500 ?int rate $125 (for 20mo)<br>LOC ~$2000 ?int rate $201 (for 8 mo)<br>Auto ?bal ?int rate $599.98/mo (~2 more years)<br>Credit Card $2076 27.99% $69<br>Credit Card $6052 13.99% $135<br>Credit Card $1357 19.99% $139<br>Credit Card $347 26.99% $35<br>Credit Card $7426 21.4% $202<br>Credit Card $1519 19.8% $42<br>Credit Card $2014 29.99% $70<br>Credit Card $3948 15.9% $ 160<br>Credit Card $850 0%/ $121 26.99% $15<br>LOC $3280 0% $137<br>LOC $3300 0% $137.50 |
Member Payment Dependent Notes Series 1412604
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412604 |
$9,850 |
$9,850 |
18.75% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412604. Member loan 1412604 was requested on July 9, 2012 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: | jack wayte construction co., inc. | Debt-to-income ratio: | 28.86% |
Length of employment: | 1 year | Location: | alamogordo, NM |
Home town: | |||
Current & past employers: | jack wayte construction co., inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Paying off my high interest credit cards will cut my payments to less than half of what I am currently paying.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2002 | 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: | $19,631.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 88.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1412644
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412644 |
$14,825 |
$14,825 |
6.62% |
1.00% |
July 24, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412644. Member loan 1412644 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,125 / month |
Current employer: | Child Development Resources of Ventura C | Debt-to-income ratio: | 26.08% |
Length of employment: | 10+ years | Location: | Ventura, CA |
Home town: | |||
Current & past employers: | Child Development Resources of Ventura C | ||
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, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $25,813.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 30.70% | 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)? | My/our total monthly expenses are $4,105. Rent $1900 / Credit Card Payments $760 / Car Payments $700 / power, water, cable & phone $745. I have student loans amounting to $36800 which are currently in forbearance until as long as 2014 if I choose. Afterward the payments are around $250 / month. After taxes, my wife and I clear $6,600 – I bring home $3800 and she brings in 2,800. The Lending Club loan will replace the credit card payments portion of our monthly expenses. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards: Bank of America $16,000 - 12.5% / Citibank $8000 - 19.9% / Chase $1,600 - 8.1%<br>Student Loan: $36800 - 3% (Federal)<br>TOTAL: $62400<br><br>Our goal is to eliminate the high interest credit card debt NOW, then by the time my student loans are due again, we will not have to worry about the cc debt. |
Please explain the reason why you carry a large revolving credit balance. | We have slowly incurred our debt over the past several years as we have become parents and I completed graduate school. As time passed we have been financial procrastinators by not taking care of our financial responsibilities as diligently and as necessary, or planning ahead effectively. We have attempted to shuffle our debt around for better initial interest rates, but in the end it has cost us several more thousand dollars. The Lending Club is a way to clean up and clear out our debt. |
Member Payment Dependent Notes Series 1412646
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412646 |
$9,750 |
$9,750 |
12.12% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412646. Member loan 1412646 was requested on July 10, 2012 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: | Catholic Charities of Broome County | Debt-to-income ratio: | 21.68% |
Length of employment: | 3 years | Location: | VESTAL, NY |
Home town: | |||
Current & past employers: | Catholic Charities of Broome County | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Mission: Dept Free; credit card consolidation<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2003 | 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: | $11,784.00 | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I pay $625.00 a month in rent, but all other expences are taken care of by someone else except for the credit card bills that will be paid off by 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. | Sears Master Card: approximately $5,800.00, Monthly payment: $165.00<br>LOFT Master Card: approximately $2,500.00, Monthly payment:$95.00<br>Wells Fargo Financial (from Raymore and Flanigan): approximately $400.00, Monthly payment: $45.00<br>Home Depot: approximately $100.00, Monthly payment: $15.00<br>Macy's: approximately $100.00, Monthly payment: $15.00 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | The loan will pay off all of my credit cards. All of the combine are approximately $8,900.00. My monthly payments on the credit cards vary, but are generally around $340.00/month total, while the loan payment would be about $20.00 less a month. The biggest advantage of the loan is that it would cut my intrest rates by more that half and save me money in the long run. |
Member Payment Dependent Notes Series 1412669
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412669 |
$4,300 |
$4,300 |
14.09% |
1.00% |
July 20, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412669. Member loan 1412669 was requested on July 9, 2012 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: | Limeres Medical Clinic | Debt-to-income ratio: | 10.30% |
Length of employment: | 7 years | Location: | Hollister, FL |
Home town: | |||
Current & past employers: | Limeres Medical Clinic | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > My parents have always had a pool, even before I was born. I have been living on my own for 18 years with purchasing a new home of our own 5 years ago. I have always wanted my own pool and after contemplating it, making room for one, and applying for the loan, it is finally a REALITY!! :)<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 19 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 27 |
Revolving Credit Balance: | $5,805.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 46.80% | 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)? | Mortgage, car, insurance, utilities, insurance, food $1000.00 monthly |
What is your intended use for the loan proceeds? | Swimming pool |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | $1200 |
What is your intended use for the loan proceeds? | Swimming pool |
Member Payment Dependent Notes Series 1412691
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412691 |
$15,850 |
$15,850 |
12.12% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412691. Member loan 1412691 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,417 / month |
Current employer: | Edro Engineering | Debt-to-income ratio: | 20.95% |
Length of employment: | 1 year | Location: | LA PUENTE, CA |
Home town: | |||
Current & past employers: | Edro 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 July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,830.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 57.70% | 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)? | Rent is $300 per month, utilities $100 per month, phone is $50 per month, insurance $120 per month, and transportation is $50 per month, and food $50 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 current debt balance is $19,200. Student loan is $8000 with pmts of $90. Car loan with a balance of $6000 and pmts of $328. Chase credit card with a limit of $4000, have a balance of $3200 and pmts of $85. Walmart discover credit card with a limit of $1300,a balance of $950 with pmts of $35. Credit one bank credit card with a $1300 limit, a balance of $1000 and pmts of $51. |
What is your intended use for the loan proceeds? | I intend to pay off my school and car loan. |
Member Payment Dependent Notes Series 1412720
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412720 |
$4,200 |
$4,200 |
8.90% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412720. Member loan 1412720 was requested on July 9, 2012 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: | Livingston Services | Debt-to-income ratio: | 24.67% |
Length of employment: | 9 years | Location: | Rahway, NJ |
Home town: | |||
Current & past employers: | Livingston Services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I'm driving a 1999 vehicle with 101,000 miles back and forth from Work and School. The vehicle is now 13 years old and requires costly repairs. It's time for a new RELIABLE vehicle<br><br> Borrower added on 07/12/12 > My current vehicle requires a major emissions repair which will exceed the value of the car. I don't want to put that type of money into this vehicle, when I could put that money towards the down payment for a safer, reliable source of transportation<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1992 | 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: | $13,785.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 57.90% | 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 live at home currently so my rent is $500 plus utilites of $100. I don't have a car note at this time and I do have a cell phone bill of $70 per month. So I have a monthly expense bill of $670 per month. |
What type of vehicle are you buying (make, model, year, mileage and condition)? | I was looking at a Kia Sorenta, very reasonable suv with a great Warranty Package. I haven't bought a vehicle since 2000, so I'm looking at anything between 2011-2013. Something very affordable and reasonable. |
What are the balances, interest rates, and monthly payments on any other auto obligations? | $0 balance. I own my current vehicle |
How much money are you providing out of pocket as a down payment for this purchase? | I am am providing $4000 |
What type of vehicle are you buying (make, model, year, mileage and condition)? | I was looking at a Kia Sorenta, very reasonable suv with a great Warranty Package. I haven't bought a vehicle since 2000, so I'm looking at anything between 2011-2013. Something very affordable and reasonable. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I live at home currently so my rent is $500 plus utilites of $100. I don't have a car note at this time and I do have a cell phone bill of $70 per month. So I have a monthly expense bill of $670 per month. |
Member Payment Dependent Notes Series 1412739
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412739 |
$18,000 |
$18,000 |
14.33% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412739. Member loan 1412739 was requested on July 10, 2012 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: | reliance home services | Debt-to-income ratio: | 11.30% |
Length of employment: | 9 years | Location: | SYLMAR, CA |
Home town: | |||
Current & past employers: | reliance home services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > home improvement needed. new roof and plumbing repairs<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 7 |
Revolving Credit Balance: | $15,818.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 56.90% | 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 monthly expenses are less than $2,800. |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | I've owned my house for two years now. My monthly mortgage is $1,800. |
If you have a delinquency in the last 2 years, please explain the reason. | NEVER had any deliquency, I always pay my bills. |
Member Payment Dependent Notes Series 1412751
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412751 |
$7,000 |
$7,000 |
11.14% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412751. Member loan 1412751 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,583 / month |
Current employer: | Pratt & Whitney Rocketdyne | Debt-to-income ratio: | 13.04% |
Length of employment: | 5 years | Location: | VENTURA, CA |
Home town: | |||
Current & past employers: | Pratt & Whitney Rocketdyne | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > I have a few credit cards at over 16% and need to dump them!<br>Already cut & tossed, but would like to get a better payoff schedule and rate. Thanks!<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 58 |
Revolving Credit Balance: | $20,607.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 45.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I make over $115,000; my wife is a Registered Nurse and makes more than me!<br>Close to $20,000/month gross.<br>Our mortgage is around $1500, we have 2 car payments that add up to $600/mo; Car insurance is $100/mo; utilities (gas/elect/water/trash/cable/phone) is $500 or so... We have most of our college-age kids home for summer... $600+ for food. |
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. | it doesn't let me put in specifics V!sa - 3,532 at 29.99 percent with a min. payment of 139.25<br>Other is also V!sa - 4,493 at 19.99 min. payment is 145. |
Member Payment Dependent Notes Series 1412753
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412753 |
$25,000 |
$25,000 |
13.11% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412753. Member loan 1412753 was requested on July 9, 2012 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: | MD Webb & Associates | Debt-to-income ratio: | 11.39% |
Length of employment: | 10+ years | Location: | HUNTINGTON BEACH, CA |
Home town: | |||
Current & past employers: | MD Webb & Associates | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Looking to pay debt off instead of just chipping away at it, I would like to be debt free and investing more towards my families future within the 36 month time frame. Thank you for the consideration.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $33,051.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 80.00% | 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)? | Monthly expenses are as follows: Mortgage $2417, utlilites (phone, cable, internet, water, electric) approx $600, food approx $400, car $350.00, Auto Insurance $150 and food approx $300. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current debt balance that I am consoldating is $23,300.00. It is 3 credit cards and the interest on 2 of them is are at 13.24% and one is at 28.99%. I am paying $300 per month on each card. |
Member Payment Dependent Notes Series 1412845
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412845 |
$17,450 |
$17,450 |
21.00% |
1.00% |
July 19, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412845. Member loan 1412845 was requested on July 9, 2012 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: | Ken Batchelor Cadillac | Debt-to-income ratio: | 10.84% |
Length of employment: | 10+ years | Location: | CASTROVILLE, TX |
Home town: | |||
Current & past employers: | Ken Batchelor Cadillac | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Pay off my family medical bills and consolidate my credit cards.<br><br> Borrower added on 07/09/12 > Pay off our family medical bills and consolidate our credit cards.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 660-678 | 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: | 28 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $20,078.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 73.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1412895
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412895 |
$27,050 |
$27,050 |
17.27% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412895. Member loan 1412895 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $11,325 / month |
Current employer: | Eurest Services | Debt-to-income ratio: | 17.16% |
Length of employment: | 10+ years | Location: | SPRING, TX |
Home town: | |||
Current & past employers: | Eurest Services | ||
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, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 45 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $39,229.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.90% | 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)? | You have my mortage ($1168 - includes insurance, taxes, etc) - Electric-$150, Phone-$168, Gas-$17, Cable/Internet-$170, Auto Insurance-$99, Water/Sewer-$18, Food-$300, Auto fuel-$120. I travel weekly, so most of my food expenses are paid by company. |
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 Visa Bal $567/Pymt $30, Capital One Bank Bal $7410/Pymt $120 (Closed), Capital One Bal $7200/Pymt $183, Citibank MC Bal $1378/Pymt $125 (Closed), Discover Bal $424/Pymt $25, Household Bank $1505/Pymt $40, Merrick Bank $7588/Pymt $200, USAA Bal $8969/Pymt $175, and Barclays Bal $9866/Pymt $300. |
Please explain the reason why you carry a large revolving credit balance. | In addition to using my credit lines to help 3 of my children purchase cars, I have had credit card companies (Chase, Citibank, Capital One, Barclays) reduce my Credit Line. I have been diligently paying down balances, but as banking rules were being changed and the government was putting pressure on banks, the banks reduced my Credit Line. So, even though I was paying down the debt, if my credit line $10k, when I got down to $8k, the bank reduced my line to $8.5k (Example). |
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 is $1,168 (includes pmi, insurance, and taxes); there is no equity loan or line of credit. Electricity averages about $150-$175, Gas averages $30-$40, Water/Sewer averages about $30. |
If you have a delinquency in the last 2 years, please explain the reason. | No Delinquency in the last 2 years. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Principal & Interest is $798.71, Tax is $155.22, Insurance is $58.75, MIP/PMI is $60.55, Overage/Shortage is $23.83, and Other is $71.34 for a grand total of $1,168.40. |
Please explain the reason why you carry a large revolving credit balance. | In addition to using my credit lines to help 3 of my children purchase cars, I have had credit card companies (Chase, Citibank, Capital One, Barclays) reduce my Credit Line. I have been diligently paying down balances, but as banking rules were being changed and the government was putting pressure on banks, the banks reduced my Credit Line. So, even though I was paying down the debt, if my credit line $10k, when I got down to $8k, the bank reduced my line to $8.5k (Example). |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | You have my mortage ($1168 - includes insurance, taxes, etc) - Electric-$150, Phone-$168, Gas-$17, Cable/Internet-$170, Auto Insurance-$99, Water/Sewer-$18, Food-$300, Auto fuel-$120. I travel weekly, so most of my food expenses are paid by company. |
Member Payment Dependent Notes Series 1412910
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412910 |
$5,000 |
$5,000 |
15.31% |
1.00% |
July 18, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412910. Member loan 1412910 was requested on July 9, 2012 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: | Paladin Data | Debt-to-income ratio: | 33.96% |
Length of employment: | 1 year | Location: | Bremerton, WA |
Home town: | |||
Current & past employers: | Paladin Data | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > Would like to consolidate a couple of high interest loans that I have.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 47 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $77,424.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 92.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Water/Electric-$115, Gas-$37, Rent-$1300, Phone-$69, Insurance-$111, Food-$300, Misc- $125<br>Total-$2057 |
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 outstanding balance 1200 at 25.9% for 52 monthly<br>Visa outstanding balance 4,200 at 29.9% for 113 monthly |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Total incuding this $18,437 monthly payments $817 |
Member Payment Dependent Notes Series 1412918
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412918 |
$25,000 |
$25,000 |
19.72% |
1.00% |
July 19, 2012 |
July 23, 2017 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412918. Member loan 1412918 was requested on July 9, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,150 / month |
Current employer: | TECHNISOURCE INC(RANDSTAND TECH) | Debt-to-income ratio: | 15.17% |
Length of employment: | 4 years | Location: | TALLAHASSEE, FL |
Home town: | |||
Current & past employers: | TECHNISOURCE INC(RANDSTAND TECH) | ||
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, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2007 | 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: | $1,666.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 45.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | It is approximately 3200$ |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have total debit approximately $30000 (some loans are personal and some loans are with bank |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have total debit approximately $30000 (some loans are personal and some loans are with bank |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have total debit approximately $30000 (some loans are personal and some loans are with bank |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have total debit approximately $30000 (some loans are personal and some loans are with bank |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | It is approximately 3200$ |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | It is approximately 3200$ |
Which debts do you plan to pay off with this loan? | I would like to pay some personal loans and some bank loans and credit card payments |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have total debit approximately $30000 (some loans are personal and some loans are with bank |
Which debts do you plan to pay off with this loan? | I would like to pay some personal loans and some bank loans and credit card payments |
What is your intended use for the loan proceeds? | I would like to pay some personal loans and some bank loans and credit card payments |
What is your intended use for the loan proceeds? | I would like to pay some personal loans and some bank loans and credit card payments |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have total debit approximately $30000 (some loans are personal and some loans are with bank |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | It is approximately 3200$ |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have total debit approximately $30000 (some loans are personal and some loans are with bank |
What is your intended use for the loan proceeds? | I would like to pay some personal loans and some bank loans and credit card payments |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Depending upon the interest rate, I am going to allocate funds.. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | It is approximately 3200$ |
What is your intended use for the loan proceeds? | I would like to pay some personal loans and some bank loans and credit card payments |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | It is approximately 3200$ |
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 approximately 3200$.. I dont have any mortage loan.. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | I dont have any mortage loan.. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have total debit approximately $30000 (some loans are personal and some loans are with bank |
What is your intended use for the loan proceeds? | I would like to pay some personal loans and some bank loans and credit card payments |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have total debit approximately $30000 (some loans are personal and some loans are with bank |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | It is approximately 3200$ |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have total debit approximately $30000 (some loans are personal and some loans are with bank |
What is your intended use for the loan proceeds? | I would like to pay some personal loans and some bank loans and credit card payments |
Which debts do you plan to pay off with this loan? | I would like to pay some personal loans and some bank loans and credit card payments |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have total debit approximately $30000 (some loans are personal and some loans are with bank |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Depending upon the interest rate, I am going to allocate funds.. |
What is your intended use for the loan proceeds? | I would like to pay some personal loans and some bank loans and credit card payments |
What is your intended use for the loan proceeds? | I would like to pay some personal loans and some bank loans and credit card payments |
Which debts do you plan to pay off with this loan? | I would like to pay some personal loans and some bank loans and credit card payments |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | My monthly expenses are approximately 3200$.. I dont have any mortage loan.. |
Member Payment Dependent Notes Series 1412951
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412951 |
$8,450 |
$8,450 |
18.49% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412951. Member loan 1412951 was requested on July 9, 2012 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: | nathan littauer hospital and nursing hom | Debt-to-income ratio: | 21.46% |
Length of employment: | < 1 year | Location: | AMSTERDAM, NY |
Home town: | |||
Current & past employers: | nathan littauer hospital and nursing hom | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/09/12 > loan is for debt consolidation<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | 68 |
Revolving Credit Balance: | $8,679.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 73.60% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | i pay 500 in rent, about 300 in utilities that includes phone, car ins of 150 and 200-300 in food |
Member Payment Dependent Notes Series 1412979
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1412979 |
$20,250 |
$20,250 |
15.31% |
1.00% |
July 23, 2012 |
July 23, 2015 |
July 23, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1412979. Member loan 1412979 was requested on July 9, 2012 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: | pacific northwest national laboratory | Debt-to-income ratio: | 23.75% |
Length of employment: | 10+ years | Location: | West Richland, WA |
Home town: | |||
Current & past employers: | pacific northwest national laboratory | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > I want to be debt free, LendingClub is giving me the opportunity to reach my goal, it's so exciting to actually know I will be free of my debt in such a short period of time. Thank you LendingClub.<br>
A credit bureau reported the following information about this borrower member on July 9, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | 37 |
Revolving Credit Balance: | $14,831.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 85.20% | 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)? | I added my data to this on 7/12/12, it's not showing so I'm going to add it again, I apologize if you get this twice.<br>mortgage $1,061.00 <br>Electric $150.00 <br>water/sewer/gargage $125.00 <br>transportation $150.00 <br>car insurance $80.00 <br>phone/internet/tv $130.00 <br>Groceries $300.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | having problems sending this information, system tells me I have information I cant send, so I dont know how much information you will see |
Please explain the reason why you carry a large revolving credit balance. | Not sure what to say here, sometimes you just have to get by, and using credit cards was how i did that. Now I'm in a much better place in my life and my goal is to get all my debt paid off and only use cash. Very exciting :) and a hugh stress releif knowing that in a few years I will be debt free! |
Member Payment Dependent Notes Series 1413094
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413094 |
$13,250 |
$13,250 |
16.29% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413094. Member loan 1413094 was requested on July 10, 2012 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: | Regent Care Center of Reno | Debt-to-income ratio: | 31.14% |
Length of employment: | 7 years | Location: | RENO, NV |
Home town: | |||
Current & past employers: | Regent Care Center of Reno | ||
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 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 22 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 34 |
Revolving Credit Balance: | $16,809.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 43.30% | 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 |
Which debts do you plan to pay off with this loan? | I'm planning to pay off the one's that has higher interest and low balance that way it would be easier to remember and avoid late fees in case I overlooked it. |
Member Payment Dependent Notes Series 1413131
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413131 |
$24,000 |
$24,000 |
15.31% |
1.00% |
July 18, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413131. Member loan 1413131 was requested on July 10, 2012 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: | City of Sacramento | Debt-to-income ratio: | 19.02% |
Length of employment: | 5 years | Location: | FOLSOM, CA |
Home town: | |||
Current & past employers: | City of Sacramento | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Wedding, Debt consolidation<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | 40 |
Revolving Credit Balance: | $24,140.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 43.00% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage 1506<br>Car 346<br>Insurance 215<br>Utilities 150<br>Cable 150<br> Phone 150<br>Food 350<br>Hoa 200 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage: 1506<br>Car: 346<br>Insurance: 212<br>Food: 350<br>Utilities: 150<br>Cable: 150<br>Cell Phone: 150<br>HOA: 200<br>CC 1: 200<br>CC 2: 250 |
Please explain the reason why you carry a large revolving credit balance. | Taxes / wedding |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage: 1506<br>Car: 346<br>Insurance: 212<br>Food: 350<br>Utilities: 150<br>Cable: 150<br>Cell Phone: 150<br>HOA: 200<br>CC 1: 200<br>CC 2: 250 |
Member Payment Dependent Notes Series 1413176
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413176 |
$15,000 |
$15,000 |
13.11% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413176. Member loan 1413176 was requested on July 10, 2012 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: | Multicare Healthcare-behavioral health. | Debt-to-income ratio: | 29.50% |
Length of employment: | 4 years | Location: | TACOMA, WA |
Home town: | |||
Current & past employers: | Multicare Healthcare-behavioral health. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/16/12 > I need to consolidate cc's, and pay off my car to be able to have some breathing room financially. I've had quite a few medical bills within the last couple years, no med probs now. My daughter got married and then some house repairs. Things just got away from me.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 21 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 40 | Months Since Last Delinquency: | 67 |
Revolving Credit Balance: | $20,011.00 | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage is 1054, Car payment/ car insurance 484, Utilities about 125, Phone 125, House insurance is included in my mortgage pymt along with taxes. Food about 300. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I have several cc's total debit about 15k, interest rates range from 23 to 27 percent. Student loans are about 260. There wasn't a provision for a second job that I noticed on the questionnaire, but I do have a part time Per Diem for weekends only, as needed. Last year this netted $5k extra. |
Please explain the reason why you carry a large revolving credit balance. | I carry a large home depot balance because of needed house repairs. I've used Discover for medical expenses for myself and a pet. Once credit card was used to help with my daughter's wedding expenses, the other to help with a daughter's medical, grand children's clothes etc. There just seemed to be one emergency after another. There wasn't a provision for a second job that I noticed on the questionnaire, but I do have a part time Per Diem for weekends only, Last year this netted $5k |
What is your intended use for the loan proceeds? | I plan on paying off high interest credit cards and another consolidation loan I got for medical bills. I will put the residual if any on the principal on my car loan so that I may pay it off earlier, this the last year of the car loan. |
Please explain the reason why you carry a large revolving credit balance. | I carry a large home depot balance because of needed house repairs. I've used Discover for medical expenses for myself and a pet. Once credit card was used to help with my daughter's wedding expenses, the other to help with a daughter's medical, grand children's clothes etc. There just seemed to be one emergency after another. There wasn't a provision for a second job that I noticed on the questionnaire, but I do have a part time Per Diem for weekends only, Last year this netted $5k |
Which debts do you plan to pay off with this loan? | Credit cards, a consolidation loan I got for medical bills and if any residual is left, I will put that on the principal of my car loan. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I plan on using it to pay off credit cards, and a consolidation loan I got for medical bills. |
Member Payment Dependent Notes Series 1413243
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413243 |
$6,400 |
$6,400 |
13.11% |
1.00% |
July 18, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413243. Member loan 1413243 was requested on July 10, 2012 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: | Global Restaurant | Debt-to-income ratio: | 22.37% |
Length of employment: | 4 years | Location: | CHARLOTTE, NC |
Home town: | |||
Current & past employers: | Global Restaurant | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > This loan will help me get completely debt free and away from credit card companies who raised my interest rates severely because the laws were changing, not because of anything I did. Thank you very much.<br><br> Borrower added on 07/12/12 > Thank you for your interest. This is going to help me erase my credit card debt with a lower interest loan. I am not struggling to pay my bills, just looking for a cheaper alternative. I have been in my current position for over four years now. Thank you again for your time and interest.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,644.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 67.50% | 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 the total balance of your credit cards, interest rates and current monthly payments? | The total balance is $8,000. I opted for a lower loan because I have one card with a lower rate than the one I was offered with an $8,000 loan. The interest rates very from 29.99 to 14.5%. I will be paying off all of my cards except the one which will leave me with a $2,000 balance. Currently I pay $450 a month. These are not the minimum payments I have to make I am just trying to pay them down faster. I will be able to put $225 toward the card each month and have it paid off in a year. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current expenses are around $1200 a month on average. This does not include my credit card payments, because I will no longer have them when this loan is completed. |
What is the total balance of your credit cards, interest rates and current monthly payments? | The total balance is $8,000. I opted for a lower loan because I have one card with a lower rate than the one I was offered with an $8,000 loan. The interest rates very from 29.99 to 14.5%. I will be paying off all of my cards except the one which will leave me with a $2,000 balance. Currently I pay $450 a month. These are not the minimum payments I have to make I am just trying to pay them down faster. I will be able to put $225 toward the card each month and have it paid off in a year. |
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 around $1200. |
Member Payment Dependent Notes Series 1413295
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413295 |
$8,400 |
$8,400 |
15.80% |
1.00% |
July 18, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413295. Member loan 1413295 was requested on July 10, 2012 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: | Saugusbank | Debt-to-income ratio: | 29.19% |
Length of employment: | < 1 year | Location: | Burlington , MA |
Home town: | |||
Current & past employers: | Saugusbank | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > To pay off credit cards and have one solid monthly payment.<br><br> Borrower added on 07/16/12 > Loan payments are 200% guaranteed . Budget worked out daily. Most of loan funded amount will go directly back to the loan as the first payment at least $3000 worth. Extra amount asked for as a buffer in case of unexpected events. Never late on payments and credit is including school loans being paid<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 39 |
Revolving Credit Balance: | $9,208.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 85.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1413350
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413350 |
$6,000 |
$6,000 |
17.77% |
1.00% |
July 20, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413350. Member loan 1413350 was requested on July 13, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,467 / month |
Current employer: | Impress Designs | Debt-to-income ratio: | 15.92% |
Length of employment: | 8 years | Location: | IRVING, TX |
Home town: | |||
Current & past employers: | Impress Designs | ||
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 13, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2002 | 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: | $1,652.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 31.80% | 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 using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am using all of the money to pay down credit cards. The balances are slightly higher than the amount I am trying to borrow. But I will finishing paying down the little that is left on my own. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am using all of the money to pay down credit cards. The balances are slightly higher than the amount I am trying to borrow. But I will finishing paying down the little that is left on my own. |
Member Payment Dependent Notes Series 1413385
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413385 |
$12,000 |
$12,000 |
11.14% |
1.00% |
July 18, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413385. Member loan 1413385 was requested on July 10, 2012 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: | Texas A&M University System - OTC | Debt-to-income ratio: | 14.60% |
Length of employment: | 7 years | Location: | BRYAN, TX |
Home town: | |||
Current & past employers: | Texas A&M University System - OTC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I will be consolidating 3 higher interest credit cards and a signature loan. My calculations show that the new payment amount for this loan will be very close to what I am currently paying on this debt per month therefore I will have no problems making the new monthly payments.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,107.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1413401
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413401 |
$6,500 |
$6,500 |
13.11% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413401. Member loan 1413401 was requested on July 10, 2012 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: | Second Baptist Church | Debt-to-income ratio: | 20.90% |
Length of employment: | 5 years | Location: | KINGWOOD, TX |
Home town: | |||
Current & past employers: | Second Baptist Church | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Would like to consolidate two credit cards into one payment to ultimately be debt free!<br><br> Borrower added on 07/10/12 > The loan will be used to fully pay off two credit cards!<br><br> Borrower added on 07/10/12 > This loan will be used to consolidate two credit cards into one payment to ultimately be debt free!<br><br> Borrower added on 07/15/12 > Thanks so much to those who have invested!<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
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: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,673.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 42.90% | 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)? | My current monthly expenses include...<br>-Rent & insurance - Auto which includes vehicle payment, insurance, gas & maintenance<br>-Two other small manageable credit cards that are almost payed off<br>-Utilities which includes power, water & trash <br>-Cell phone -Food -Television -Entertainment |
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 with is all credit cards.<br>-$3,287.83<br>-$2,140.01<br>Total: $5,427.84<br>My current interests rates at the moment are very similar to what i received here but variable. <br>The monthly payments have totaled to around $400.00. With around $200 due as a minimum. |
Member Payment Dependent Notes Series 1413409
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413409 |
$35,000 |
$35,000 |
19.72% |
1.00% |
July 18, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413409. Member loan 1413409 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,667 / month |
Current employer: | Department of Homeland Security | Debt-to-income ratio: | 18.44% |
Length of employment: | 5 years | Location: | WOODBRIDGE, VA |
Home town: | |||
Current & past employers: | Department of Homeland Security | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Need to consolidate my debts into 1 east monthly payment. All payments are current and have been made in a timely manner. Never defaulted on any loans. Never had bankruptcy.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $24,712.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 72.50% | 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)? | My loan with Lending Club will be used to pay off $30,000 in debt. The debt includes 1 car loan ($463/mo.), 2 Personal loans ($270 & $170/mo.) and 4 credit cards ($200 avg./mo.)<br><br>My mortgage is $2200/mo. |
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 $2200/mo., utilities is $200/mo., HOA&Condo fee $270/mo. |
Which debts do you plan to pay off with this loan? | Combination of car loan, personal loans and credit cards. |
Please explain the reason why you carry a large revolving credit balance. | Had an emergency situation that I had to use the remaining credit on several credit cards with high interest. Been making timely payment ever since, but would like to get a lower interest loan from Lending Club to pay the remaining balance. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | $2200 for Mortgage, $300 for HOA, Condo Fees, Insurance. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My loan with Lending Club will be used to pay off $30,000 in debt. The debt includes 1 car loan ($463/mo.), 2 Personal loans ($270 & $170/mo.) and 4 credit cards ($200 avg./mo.)<br><br>My mortgage is $2200/mo. |
Please explain the reason why you carry a large revolving credit balance. | Had an emergency situation that I had to use the remaining credit on several credit cards with high interest. Been making timely payment ever since, but would like to get a lower interest loan from Lending Club to pay the remaining balance. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My loan with Lending Club will be used to pay off $30,000 in debt. The debt includes 1 car loan ($463/mo.), 2 Personal loans ($270 & $170/mo.) and 4 credit cards ($200 avg./mo.)<br><br>My mortgage is $2200/mo. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $2200/Mo. Mortgage, $120/Mo. Fuel, $100/Mo. Utilities, $75/Mo. Cell Phone, $200/Mo. Food. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My loan with Lending Club will be used to pay off $30,000 in debt. The debt includes 1 car loan ($463/mo.), 2 Personal loans ($270 & $170/mo.) and 4 credit cards ($200 avg./mo.)<br><br>My mortgage is $2200/mo. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My loan with Lending Club will be used to pay off $30,000 in debt. The debt includes 1 car loan ($463/mo.), 2 Personal loans ($270 & $170/mo.) and 4 credit cards ($200 avg./mo.)<br><br>My mortgage is $2200/mo. |
Please explain the reason why you carry a large revolving credit balance. | Had an emergency situation that I had to use the remaining credit on several credit cards with high interest. Been making timely payment ever since, but would like to get a lower interest loan from Lending Club to pay the remaining balance. |
Member Payment Dependent Notes Series 1413484
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413484 |
$22,000 |
$22,000 |
13.11% |
1.00% |
July 19, 2012 |
July 24, 2017 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413484. Member loan 1413484 was requested on July 10, 2012 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: | Fred F. Groff Funeral Home | Debt-to-income ratio: | 19.36% |
Length of employment: | 10+ years | Location: | Lancaster, PA |
Home town: | |||
Current & past employers: | Fred F. Groff Funeral Home | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I did some landscaping and home improvement projects to increase the value of my home.<br><br> Borrower added on 07/12/12 > I have a mortgage and a car loan both at very low interest rates. Any other debt is from my home improvement projects which I am seeking this loan to consolidate.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
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: | 31 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,436.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 14.40% | 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 using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Kitchen and bathroom renovations for most and some landscaping improvements. |
Member Payment Dependent Notes Series 1413528
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413528 |
$19,375 |
$19,375 |
15.31% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413528. Member loan 1413528 was requested on July 10, 2012 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: | Rhino Technology Group, Inc. | Debt-to-income ratio: | 19.16% |
Length of employment: | 7 years | Location: | EAGAN, MN |
Home town: | |||
Current & past employers: | Rhino Technology Group, Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Currently my monthly minimum credit card payments are over $1000.00 per month due to high interest rates. I cannot save by refinancing my mortgage due to the 50% increase in PMI rates. In order to cut costs I need to cut credit card payments and stop using credit cards. Thank You So Much!!!<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1994 | 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: | $33,651.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 91.70% | 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 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 8,511 23% 230 min pymnt<br>MasterCard 3,649 29% 125 min pymnt<br>MasterCard 1,440 19% 39 min pymnt<br>Retail Store 1,406 25% 70 min pymnt<br>Retail Store 915 25% 48 min pymnt<br>Visa 872 19% 25 min pymnt<br>Retail Store 718 25% 25 min pymnt<br>MasterCard 357 23% 25 min pymnt<br>MasterCard 4,325 17% 125 min pymnt - approx 530 will go towards this 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 8,511 23% 230 min pymnt<br>MasterCard 3,649 29% 125 min pymnt<br>MasterCard 1,440 19% 39 min pymnt<br>Retail Store 1,406 25% 70 min pymnt<br>Retail Store 915 25% 48 min pymnt<br>Visa 872 19% 25 min pymnt<br>Retail Store 718 25% 25 min pymnt<br>MasterCard 357 23% 25 min pymnt<br>MasterCard 4,325 17% 125 min pymnt - approx 530 will go towards this balance |
Please explain the reason why you carry a large revolving credit balance. | Life events over the past 8 years cut my income in half and I needed to obtain credit cards for living expenses. I no longer need or require credit to supplement my income, however, it has been extremely difficult to pay down the balances and pay more than the minimum payments. I wish to pay off the credit card accounts that I have opened so that I can move forward fresh without using credit and close the door on the past. |
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 8,511 23% 230 min pymnt<br>MasterCard 3,649 29% 125 min pymnt<br>MasterCard 1,440 19% 39 min pymnt<br>Retail Store 1,406 25% 70 min pymnt<br>Retail Store 915 25% 48 min pymnt<br>Visa 872 19% 25 min pymnt<br>Retail Store 718 25% 25 min pymnt<br>MasterCard 357 23% 25 min pymnt<br>MasterCard 4,325 17% 125 min pymnt - approx 530 will go towards this balance |
Member Payment Dependent Notes Series 1413645
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413645 |
$3,725 |
$3,725 |
7.90% |
1.00% |
July 20, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413645. Member loan 1413645 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,833 / month |
Current employer: | Pulmuone Foods | Debt-to-income ratio: | 16.34% |
Length of employment: | 1 year | Location: | Buena Park, CA |
Home town: | |||
Current & past employers: | Pulmuone Foods | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Originally I wanted to pay off all credit card debt but loan amount approved for is not enough. So instead, I will pay off low balance credit cards and get my transmission fixed which can be costly.<br><br> Borrower added on 07/11/12 > I prefer not to use credit card to fix transmission due to higher interest rate<br><br> Borrower added on 07/11/12 > I prefer not to use credit card for transmission due to higher interest rates.<br><br> Borrower added on 07/13/12 > I prefer to have transmission rebuilt/replaced rather than have the monthly expense of financing a car. This car is paid off. The amount left on this loan after paying for transmission will be used to pay off small balance credit cards.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 24 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $21,231.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1413705
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413705 |
$20,000 |
$20,000 |
14.09% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413705. Member loan 1413705 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,750 / month |
Current employer: | Sentry Data Systems, Inc. | Debt-to-income ratio: | 14.65% |
Length of employment: | 4 years | Location: | PORTLAND, OR |
Home town: | |||
Current & past employers: | Sentry Data Systems, Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > In my 1st job out of college I relied on credit for my apartment because my job did not pay well enough. Now with a stable job I am committed to be debt free in 2-3 years, but my high interest rates are making it very difficult. I want to consolidate my monthly credit payments into single payments.<br><br> Borrower added on 07/10/12 > In a great non-paid internship after college I used credit to supplement rent. Now, with a stable job of 4 years I am committed to become debt free in 2-3 years, but my high interest credit accounts are making it difficult. This loan is to refinance my credit payments into 1 manageable payment.<br><br> Borrower added on 07/11/12 > Monthly budget<br>-<br>Apartment/Parking/Utilities: ~$1250<br>Student Loan: $170<br>Food/Social: $600 ($150/wk)<br>Cell/internet/car insurance: ~$200<br>-<br>Total: $2220<br>-<br>additionally, I am paying slightly above the minimum on my cc accounts with a monthly total of $1100, but I am seeing little progress.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $18,439.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 70.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1413727
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413727 |
$20,275 |
$20,275 |
18.75% |
1.00% |
July 20, 2012 |
July 24, 2017 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413727. Member loan 1413727 was requested on July 10, 2012 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: | APM Terminals | Debt-to-income ratio: | 14.83% |
Length of employment: | 10+ years | Location: | CHARLESTON, SC |
Home town: | |||
Current & past employers: | APM Terminals | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > The loan is for debt consolidation.<br><br> Borrower added on 07/11/12 > My goal is to consolidate the debt which will create an approximate savings of 650.00 dollars a month and reapply to the debt to pay it off faster. Once the credit debt is paid the cards will be cancelled. Thank you for your consideration.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $29,133.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.80% | 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 debt is credit card. The total amount is $20,353.00 Total monthly payments $1196.00. By consolidating I will save $672.00 which will be used to pay down the debt faster. Interest rates range from 12% to 18%. The goal is to become debt free. Although I don't believe it is the best for my credit score, I plan on canceling the credit cards and being one hundred percent cash. Thank you for your consideration. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current debt is credit card. The total amount is $20,353.00 Total monthly payments $1196.00. By consolidating I will save $672.00 which will be used to pay down the debt faster. Interest rates range from 12% to 18%. The goal is to become debt free. Although I don't believe it is the best for my credit score, I plan on canceling the credit cards and being one hundred percent cash. Thank you for your consideration. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current debt is credit card. The total amount is $20,353.00 Total monthly payments $1196.00. By consolidating I will save $672.00 which will be used to pay down the debt faster. Interest rates range from 12% to 18%. The goal is to become debt free. Although I don't believe it is the best for my credit score, I plan on canceling the credit cards and being one hundred percent cash. Thank you for your consideration. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current debt is credit card. The total amount is $20,353.00 Total monthly payments $1196.00. By consolidating I will save $672.00 which will be used to pay down the debt faster. Interest rates range from 12% to 18%. The goal is to become debt free. Although I don't believe it is the best for my credit score, I plan on canceling the credit cards and being one hundred percent cash. Thank you for your consideration. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My mortgage is $1676 per month. I have a car payment of $322 per month. My utilities run about $220 for electricity and gas. The water bill is usually around $70.00 Car insurance is $116 a month for two cars. Gas is around $40 per week. The grocery bill is between $800 to $1000. Thank you for your consideration. |
What is your intended use for the loan proceeds? | Debt consolidation. |
Please explain the reason why you carry a large revolving credit balance. | Honestly it was mismanagement. The plan going forward is to pay the credit cards off and cancel them. I can make the payments as they are now however it will take me forever to pay them off. My goal, which is obtainable is to be completely debt free within 2.5 years to include this loan (not including the mortgage). |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current debt is credit card. The total amount is $20,353.00 Total monthly payments $1196.00. By consolidating I will save $672.00 which will be used to pay down the debt faster. Interest rates range from 12% to 18%. The goal is to become debt free. Although I don't believe it is the best for my credit score, I plan on canceling the credit cards and being one hundred percent cash. Thank you for your consideration. |
Which debts do you plan to pay off with this loan? | I plan to pay all revolving credit cards and to switch to a pure cash budget. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I am paying off the highest credit cards first with the highest interest rates. Then take those saving to pay off this debt faster. If you have any advice I would be most willing to listen because my ultimate goal is to be able to do what you are and that is invest and get paid versus paying. Thank you for your consideration. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current debt is credit card. The total amount is $20,353.00 Total monthly payments $1196.00. By consolidating I will save $672.00 which will be used to pay down the debt faster. Interest rates range from 12% to 18%. The goal is to become debt free. Although I don't believe it is the best for my credit score, I plan on canceling the credit cards and being one hundred percent cash. Thank you for your consideration. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My mortgage is $1676 per month. I have a car payment of $322 per month. My utilities run about $220 for electricity and gas. The water bill is usually around $70.00 Car insurance is $116 a month for two cars. Gas is around $40 per week. The grocery bill is between $800 to $1000. Thank you for your consideration. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Current debt is credit card. The total amount is $20,353.00 Total monthly payments $1196.00. By consolidating I will save $672.00 which will be used to pay down the debt faster. Interest rates range from 12% to 18%. The goal is to become debt free. Although I don't believe it is the best for my credit score, I plan on canceling the credit cards and being one hundred percent cash. Thank you for your consideration. |
Member Payment Dependent Notes Series 1413732
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413732 |
$4,500 |
$4,500 |
13.11% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413732. Member loan 1413732 was requested on July 10, 2012 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: | Kay, Tabas & Niknam Ophthalmology | Debt-to-income ratio: | 19.90% |
Length of employment: | 10+ years | Location: | drexel hill, PA |
Home town: | |||
Current & past employers: | Kay, Tabas & Niknam Ophthalmology | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
My credit cards are not outrageous and are paided religiously but my goal is to lower them and make my revolving credit/available ratio higher so that purchasing a home in the next 3 years will be secured at a low interest rate.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
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: | 11 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,049.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 73.60% | 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. | In an attempt to improve my credit I was told to get more credit and pay on time. Well I did... I've never been late and always pay more than the minimum but not now I'm told my revolving credit ratio is too high. So this will allow me to lower it and get a lower interest rate when I purchase a home in 3 years. |
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 - $1750, interest rate 2o.5%, $65 monthly <br>Amazon (visa) - $950, interest rate 20.6%, $25 monthly<br>Macys - $450, interest rate 16%, $25 monthly<br>Walmart - $489, interest rate 19.0%, $25 monthly<br>American eagle- $380, interest rate 22%, $35 monthly<br>All cards are update to date and never late on a payment. |
What is the total balance of your credit cards, interest rates and current monthly payments? | The total of my credit card debt is $4500, my interest rates range from 14 % - 21% and my total monthly payments are $180 if I pay the minimum but generally pay $250-$300 monthly. |
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 for the sole purpose of paying my cresit card debt. Each will be paid off over the next 3 months... I still have available funds on my credit cards but my goal is to pay only 1 consolidated bill a month. My goal is to purchase a home in 3 years and a realtor suggested I lower my debt ratio. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $450<br>Utilities - $350 including phone/Internet <br>Transportation - $500<br>Insurance - $0 (significant other pays)<br>Food -$200<br>Bills are generally split with significant other |
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 - $1750, interest rate 2o.5%, $65 monthly <br>Amazon (visa) - $950, interest rate 20.6%, $25 monthly<br>Macys - $450, interest rate 16%, $25 monthly<br>Walmart - $489, interest rate 19.0%, $25 monthly<br>American eagle- $380, interest rate 22%, $35 monthly<br>All cards are update to date and never late on a payment. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My goal is to payoff all credit cards (anticipate purchasing a home in 3 years) so there will be a balance of $50 to maintain the cards a good credit rating. At the present time, my minimum monthly payments range from $15-$35 for a total of $180. |
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 - $1750, interest rate 2o.5%, $65 monthly <br>Amazon (visa) - $950, interest rate 20.6%, $25 monthly<br>Macys - $450, interest rate 16%, $25 monthly<br>Walmart - $489, interest rate 19.0%, $25 monthly<br>American eagle- $380, interest rate 22%, $35 monthly<br>All cards are update to date and never late on a 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 for the sole purpose of paying my cresit card debt. Each will be paid off over the next 3 months... I still have available funds on my credit cards but my goal is to pay only 1 consolidated bill a month. My goal is to purchase a home in 3 years and a realtor suggested I lower my debt ratio. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $450<br>Utilities - $350 including phone/Internet <br>Transportation - $500<br>Insurance - $0 (significant other pays)<br>Food -$200<br>Bills are generally split with significant other |
What is the total balance of your credit cards, interest rates and current monthly payments? | The total of my credit card debt is $4500, my interest rates range from 14 % - 21% and my total monthly payments are $180 if I pay the minimum but generally pay $250-$300 monthly. |
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 - $1750, interest rate 2o.5%, $65 monthly <br>Amazon (visa) - $950, interest rate 20.6%, $25 monthly<br>Macys - $450, interest rate 16%, $25 monthly<br>Walmart - $489, interest rate 19.0%, $25 monthly<br>American eagle- $380, interest rate 22%, $35 monthly<br>All cards are update to date and never late on a payment. |
Member Payment Dependent Notes Series 1413743
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413743 |
$28,000 |
$28,000 |
13.11% |
1.00% |
July 19, 2012 |
July 24, 2017 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413743. Member loan 1413743 was requested on July 10, 2012 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: | Babbidge Facilities Construction | Debt-to-income ratio: | 24.16% |
Length of employment: | 2 years | Location: | Newington, CT |
Home town: | |||
Current & past employers: | Babbidge Facilities Construction | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > This loan is for an inground pool.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $799.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 5.10% | Months Since Last Record: | 79 |
Inquiries in the Last 6 Months: | 3 |
Member Payment Dependent Notes Series 1413751
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413751 |
$7,500 |
$7,500 |
10.16% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413751. Member loan 1413751 was requested on July 10, 2012 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: | Engineering Design FIrm | Debt-to-income ratio: | 7.69% |
Length of employment: | 6 years | Location: | Bayonne, NJ |
Home town: | |||
Current & past employers: | Engineering Design FIrm | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Help me help you, simple as that. I have a polished track record for repaying banks and will not have it tarnish due to aspirations i have yet to follow upon.<br><br> Borrower added on 07/16/12 > Thanks again for the investments and count on prompt payments.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,216.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.60% | 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. | About a year back i purchased a mult family. Balance on card consisted of cost associated with renovating the property. Currently property is fully rented and as such extra funds will go into paying that down. Thanks for asking. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | As it is not legal to answer your question, i can say that my monthly income to debt ratio is 55.8%. |
Please explain the reason why you carry a large revolving credit balance. | About a year back i purchased a mult family. Balance on card consisted of cost associated with renovating the property. Currently property is fully rented and as such extra funds will go into paying that down. Thanks for asking. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | As it is not legal to answer your question, i can say that my monthly income to debt ratio is 55.8%. |
How much money are you providing out of pocket as a down payment for this purchase? | 15% |
What type of vehicle are you buying (make, model, year, mileage and condition)? | 97 nissan 240sx with 160k in excellent condition. Will be a second car and first car is payed off. |
Please explain the reason why you carry a large revolving credit balance. | About a year back i purchased a mult family. Balance on card consisted of cost associated with renovating the property. Currently property is fully rented and as such extra funds will go into paying that down. Thanks for asking. |
Member Payment Dependent Notes Series 1413805
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413805 |
$15,000 |
$15,000 |
15.80% |
1.00% |
July 18, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413805. Member loan 1413805 was requested on July 10, 2012 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: | tekpro | Debt-to-income ratio: | 17.75% |
Length of employment: | 2 years | Location: | smyrna, GA |
Home town: | |||
Current & past employers: | tekpro | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I have some loans with a much higher interest rate that I would like to come down.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2004 | 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: | $8,345.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.70% | 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 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. | total balance of credit cards/loans are estimate of 16k. <br>monthly payments average 600 plus a month<br>interest rate on one of the is 25%<br>15% on the others. |
What is the total balance of your credit cards, interest rates and current monthly payments? | total balance of credit cards/loans are estimate of 16k. <br>monthly payments average 600 plus a month<br>interest rate on one of the is 25%<br>15% on the others. |
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. | total balance of credit cards/loans are estimate of 16k. <br>monthly payments average 600 plus a month<br>interest rate on one of the is 25%<br>15% on the others. |
Member Payment Dependent Notes Series 1413823
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413823 |
$1,200 |
$1,200 |
13.11% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413823. Member loan 1413823 was requested on July 10, 2012 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: | Sam's Club | Debt-to-income ratio: | 7.34% |
Length of employment: | 3 years | Location: | DADE CITY, FL |
Home town: | |||
Current & past employers: | Sam's Club | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I need to buy a rebuilt motor for my vehicle. I don't want to get involved in another car payment right now, and I can repay $1200 a lot easier than $12000. Plus this is a great line of credit to improve my credit. Thank You<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | 58 |
Revolving Credit Balance: | $4,218.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 51.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1413836
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413836 |
$7,000 |
$7,000 |
17.77% |
1.00% |
July 23, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413836. Member loan 1413836 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,750 / month |
Current employer: | POTESTA & ASSOCIATES | Debt-to-income ratio: | 18.15% |
Length of employment: | < 1 year | Location: | Saint ALbans, WV |
Home town: | |||
Current & past employers: | POTESTA & ASSOCIATES | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > I'm just trying to consolidate some credit card debt and reduce my monthly payment. I'm planning to pay off the high balance cards and high interest ones. Thanks<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 31 |
Revolving Credit Balance: | $12,307.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1413979
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1413979 |
$18,000 |
$18,000 |
15.31% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1413979. Member loan 1413979 was requested on July 10, 2012 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: | LAUSD | Debt-to-income ratio: | 25.50% |
Length of employment: | 10+ years | Location: | Sylmar, CA |
Home town: | |||
Current & past employers: | LAUSD | ||
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 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 45 | Months Since Last Delinquency: | 7 |
Revolving Credit Balance: | $18,800.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 80.00% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $2500-$3000 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Not sure about all of them. |
Member Payment Dependent Notes Series 1414089
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414089 |
$8,500 |
$8,500 |
15.80% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414089. Member loan 1414089 was requested on July 11, 2012 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: | Torrillo & Associates | Debt-to-income ratio: | 13.82% |
Length of employment: | 4 years | Location: | MEDIA, PA |
Home town: | |||
Current & past employers: | Torrillo & Associates | ||
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 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 73 |
Revolving Credit Balance: | $6,632.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 47.70% | 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 provide additional details regarding the purpose of the loan. | The loan will be used to consolidate some debt of my fiancée to one monthly payment. |
Please provide additional details regarding the purpose of the loan. | The loan will be used to consolidate some debt of my fiancée to one monthly payment. |
If you have a delinquency in the last 2 years, please explain the reason. | I had some delinquencies a long time ago but those were paid in full and should be off my credit report within about a year. I have not had any delinquencies or late payments in well over two years. |
Please provide additional details regarding the purpose of the loan. | The loan will be used to consolidate some debt of my fiancée to one monthly payment. |
Member Payment Dependent Notes Series 1414106
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414106 |
$7,000 |
$7,000 |
17.77% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414106. Member loan 1414106 was requested on July 10, 2012 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: | Starbucks Coffee Company | Debt-to-income ratio: | 8.01% |
Length of employment: | 5 years | Location: | BROOKLYN, NY |
Home town: | |||
Current & past employers: | Starbucks Coffee 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 July 10, 2012:
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: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,523.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 93.60% | 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 |
Can you specify which relocation expenses you are covering with this loan, and which other expenses you are paying out of pocket? | The loan will cover initial rental expenses such as the broker's fee and security deposit. It will cover moving expenses as well as help furnish the apartment with the necessities. As far as the move is concerned, I needed a loan so I can pay for other expenses (such as tuition) out-of-pocket. |
Can you specify which relocation expenses you are covering with this loan, and which other expenses you are paying out of pocket? | The loan will cover initial rental expenses such as the broker's fee and security deposit. It will cover moving expenses as well as help furnish the apartment with the necessities. As far as the move is concerned, I needed a loan so I can pay for other expenses (such as tuition) out-of-pocket. |
Will some or all of your moving expenses be reimbursed, if so how much? | About $3000 of it will be reimbursed. |
Will some or all of your moving expenses be reimbursed, if so how much? | About $3000 of it will be reimbursed. |
Can you specify which relocation expenses you are covering with this loan, and which other expenses you are paying out of pocket? | The loan will cover initial rental expenses such as the broker's fee and security deposit. It will cover moving expenses as well as help furnish the apartment with the necessities. As far as the move is concerned, I needed a loan so I can pay for other expenses (such as tuition) out-of-pocket. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Around $1600 |
Will some or all of your moving expenses be reimbursed, if so how much? | About $3000 of it will be reimbursed. |
Can you specify which relocation expenses you are covering with this loan, and which other expenses you are paying out of pocket? | The loan will cover initial rental expenses such as the broker's fee and security deposit. It will cover moving expenses as well as help furnish the apartment with the necessities. As far as the move is concerned, I needed a loan so I can pay for other expenses (such as tuition) out-of-pocket. |
Member Payment Dependent Notes Series 1414202
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414202 |
$18,000 |
$18,000 |
17.77% |
1.00% |
July 24, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414202. Member loan 1414202 was requested on July 12, 2012 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: | Steward Health Care Systems | Debt-to-income ratio: | 15.82% |
Length of employment: | < 1 year | Location: | WEST ROXBURY, MA |
Home town: | |||
Current & past employers: | Steward Health Care Systems | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > I will use the loan to consolidate debt and make some small improvements on my new home. I am gainfully employed and work for a growing organization. My total monthly expenses are $2500. I pride myself in paying my bills in a timely manner.<br><br> Borrower added on 07/18/12 > I sold my house in 2011 and was advised by my realtor to hold payments on a Home Equity Line, as it was to be settled with the selling of the home. I took the advice...obviously it was the wrong decision. I took care of the account when I realized this. All other accounts have been paid on time.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 16 |
Revolving Credit Balance: | $9,134.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.80% | 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 total monthly expenses are $2500, including food, gas, car, insurance, dry cleaning, credit cards, etc. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Card balances - little bit under $11K - interest rates vary from 19-29% - payments $700 per month<br>Car Payment (I currently have 2 cars in my name) - balance $25K - one rate is 2.99% and the other is 6.99% - payments $600 per month<br>No mortgage or rent - given house<br>401K loan - balance $11K - payment $300 per month - interest rate is prime rate (changes monthly)<br>No student loans - veteran - free college for Bachelors<br>No Lines of Credit |
Please explain the reason why you carry a large revolving credit balance. | I was given a house, which is great! However, the house really needed some immediate work (siding, roof and hot water heater). Those immediate items that were costly and I did not have all of the upfront cash, so had to utilize credit for a good part of it. My credit limits are not high as I specifically asked for low limits; my highest limit on a credit card is $4900. I am able to pay my bills on time but would like to consolidate and do some interior cosmetic renovations to the house. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Card balances - little bit under $11K - interest rates vary from 19-29% - payments $700 per month<br>Car Payment (I currently have 2 cars in my name) - balance $25K - one rate is 2.99% and the other is 6.99% - payments $600 per month<br>No mortgage or rent - given house<br>401K loan - balance $11K - payment $300 per month - interest rate is prime rate (changes monthly)<br>No student loans - veteran - free college for Bachelors<br>No 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)? | Credit Card balances - little bit under $11K - interest rates vary from 19-29% - payments $700 per month<br>Car Payment (I currently have 2 cars in my name) - balance $25K - one rate is 2.99% and the other is 6.99% - payments $600 per month<br>No mortgage or rent - given house<br>401K loan - balance $11K - payment $300 per month - interest rate is prime rate (changes monthly)<br>No student loans - veteran - free college for Bachelors<br>No Lines of Credit |
Member Payment Dependent Notes Series 1414216
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414216 |
$5,000 |
$5,000 |
17.27% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414216. Member loan 1414216 was requested on July 10, 2012 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: | Carlmont Gardens Facility | Debt-to-income ratio: | 17.20% |
Length of employment: | 2 years | Location: | SAN MATEO, CA |
Home town: | |||
Current & past employers: | Carlmont Gardens Facility | ||
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 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | 39 |
Revolving Credit Balance: | $12,864.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.30% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | about 2,000 |
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 O.B: $1,200 Int.Rate: 5.60% Minimum Payment: $37.34<br>Mastercard O.B: $400 Int. Rate :5.40% Minimum Payment:$25.00<br>Macys Rewards:O.B : $71 Int. Rate: 5.50% Minimum Payment: $20.00<br>Lenscrafters:O.B: $100 Int Rate: 5.40 Minimum Payment: $25.00<br>TJX Rewards:O.B: $180 Int Rate: 5.45% Minimum Payment: $25.00 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | $200.00 Monthly for all credit cards |
Please explain the reason why you carry a large revolving credit balance. | I Like to maintain good credit with my payments. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | about 2,000 |
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 O.B: $1,200 Int.Rate: 5.60% Minimum Payment: $37.34<br>Mastercard O.B: $400 Int. Rate :5.40% Minimum Payment:$25.00<br>Macys Rewards:O.B : $71 Int. Rate: 5.50% Minimum Payment: $20.00<br>Lenscrafters:O.B: $100 Int Rate: 5.40 Minimum Payment: $25.00<br>TJX Rewards:O.B: $180 Int Rate: 5.45% Minimum Payment: $25.00 |
What is the total balance of your credit cards, interest rates and current monthly payments? | About $3,000 is the balance of all my credit cards. Intrest Rates are about 5.40% and i the minimum i have to pay is about $25.00 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | $200.00 Monthly for all credit cards |
Please explain the reason why you carry a large revolving credit balance. | I Like to maintain good credit with my payments. |
Please explain the reason why you carry a large revolving credit balance. | I Like to maintain good credit with my payments. |
Member Payment Dependent Notes Series 1414239
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414239 |
$2,300 |
$2,300 |
6.03% |
1.00% |
July 23, 2012 |
July 29, 2015 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414239. Member loan 1414239 was requested on July 15, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,417 / month |
Current employer: | Evolve IP | Debt-to-income ratio: | 10.01% |
Length of employment: | 2 years | Location: | Aldan, PA |
Home town: | |||
Current & past employers: | Evolve IP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/15/12 > This is the 2nd motorcycle loan I am taking from Lending Club. I took a loan last may for $3000 and paid it off in less than 1 year.<br>I recently sold that motorcycle and have found a new one.<br><br> Borrower added on 07/16/12 > I am securing less than 50% of the amount of cash needed for purchasing a 2004 Harley Sportser Roadster. I purchased a motorcycle last year that I recently sold for $2700 and plan to purchase the new bike this week for 5k. I have other lines of credit but find Lending Club reliable.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $17,479.00 | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Cable, Water, Elec are approx $440. Cell is $230 w/ $80 reimbursed by my employer. Food is $350 to $400 and fuel/transportation is approx $350 monthly. Less when I ride a motorcycle. Insurance for the motorcycle is $150 a year and car insurance monthly is $295. |
What type of vehicle are you buying (make, model, year, mileage and condition)? | I am buying a 2004 Harley Sportster Roadster for $5k it is in excellent condition, very clean and has 8400 miles on it. |
What are the balances, interest rates, and monthly payments on any other auto obligations? | I have a leased Toyata Rav 4 at $289 monthly and I own a Ford Taurus X. |
Member Payment Dependent Notes Series 1414308
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414308 |
$9,300 |
$9,300 |
19.72% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414308. Member loan 1414308 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,333 / month |
Current employer: | Wiregrass Georgia Technical College | Debt-to-income ratio: | 24.90% |
Length of employment: | 3 years | Location: | Valdosta, GA |
Home town: | |||
Current & past employers: | Wiregrass Georgia Technical 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 July 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1997 | 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: | $15,710.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 97.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1414318
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414318 |
$6,000 |
$6,000 |
13.11% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414318. Member loan 1414318 was requested on July 10, 2012 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: | 27.86% |
Length of employment: | 3 years | Location: | East Patchogue, NY |
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 07/10/12 > Two years ago I was temporarily laid off of work and put on furlough. While on furlough I had incurred two credit card bills since unemployment was not making ends meet. Unfortunately, I have not been able to keep up with the high interest rates. I would like to pay the cards off as soon as I can.<br><br> Borrower added on 07/10/12 > Once the credit card is paid off I will finally be able to breathe and not live paycheck to paycheck just to keep up with the interest charges.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,013.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 66.20% | 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)? | My monthly expenses are as follows: rent $1,210.00, electic: $100.00, phone: $30.00, food: $100.00, gas: $120.00, cable: $160.00. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I currently owe $8,100.00 on my car loan, which results in a payment of $300.00 per month at a rate of 7.9% interest. My student loan is currently approximately $23,000.00, with a payment of $107.00 per month at a rate of 2.3%. My credit card has a balance of $4,985.00 and has an interest rate of 27.5%. It accrues $68.00 of interest per month, even with payments of $150.00 per month. |
Member Payment Dependent Notes Series 1414336
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414336 |
$11,500 |
$11,500 |
12.12% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414336. Member loan 1414336 was requested on July 10, 2012 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: | Grounds Care Inc | Debt-to-income ratio: | 23.45% |
Length of employment: | 5 years | Location: | LORETTO, MN |
Home town: | |||
Current & past employers: | Grounds Care 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 10, 2012:
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): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,946.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 60.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1414350
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414350 |
$3,950 |
$3,950 |
8.90% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414350. Member loan 1414350 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,417 / month |
Current employer: | Hair Cuttery | Debt-to-income ratio: | 18.85% |
Length of employment: | 5 years | Location: | Southwick, MA |
Home town: | |||
Current & past employers: | Hair Cuttery | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I would just like to pay off all the little credit cards at once so that I can save money on the interest and pay only one payment a month versus multiple.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2005 | 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: | $4,917.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 38.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car insurance $114, Food approx. $100, Phone $50, No rent and no car payments since I paid it off, Fuel Approx. $130 |
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 at $2680 with interests rates of 26% minimum payment $35, another with a rate of 26% minimum payment $35, one with 18% minimum payment of $25, and one with 16% minimum payment $25. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car insurance $114, Food approx. $100, Phone $50, No rent and no car payments since I paid it off, Fuel Approx. $130 |
Member Payment Dependent Notes Series 1414395
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414395 |
$16,000 |
$16,000 |
16.29% |
1.00% |
July 20, 2012 |
July 28, 2015 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414395. Member loan 1414395 was requested on July 14, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,059 / month |
Current employer: | Dept of Defense | Debt-to-income ratio: | 27.61% |
Length of employment: | 10+ years | Location: | SPOTSYLVANIA, VA |
Home town: | |||
Current & past employers: | Dept of Defense | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/14/12 > Pay off credit card debt and do some home improvements.<br>
A credit bureau reported the following information about this borrower member on July 14, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 57 | Months Since Last Delinquency: | 39 |
Revolving Credit Balance: | $20,249.00 | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgages $2722<br>Vehicles $1042<br>Credit Cards $670<br>Utilities $235<br>Phone $212.69<br>Insurance $254.63<br>Long Term Care Insurance $144<br>Food $300<br>Cable $300 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards<br>NTB 28.99% $1213.40<br>Bill Me Later 19.99% $3496.57<br>Kohls 21.9% $1029.11<br>Paypal 26.99% $1454<br>Capital One Visa 22.9% $813.90<br>Capital One MC 22.9% $855.47 |
Please explain the reason why you carry a large revolving credit balance. | I purchased a second house and am using a credit cards to pay for the home improvements. I have paid off a couple of credit cards over the past several months and will continue to pay off more. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Mortages $2692<br>Utilities $235<br>Insurance $254.63 |
Please explain the reason why you carry a large revolving credit balance. | I purchased a second house and am using a credit cards to pay for the home improvements. I have paid off a couple of credit cards over the past several months and will continue to pay off more. |
Which debts do you plan to pay off with this loan? | Capital One MC and Visa<br>NTB<br>Bill Me Later<br>Kohls<br>Paypal<br>Barclays<br>Discover |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgages $2722<br>Vehicles $1042<br>Credit Cards $670<br>Utilities $235<br>Phone $212.69<br>Insurance $254.63<br>Long Term Care Insurance $144<br>Food $300<br>Cable $300 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards<br>NTB 28.99% $1213.40<br>Bill Me Later 19.99% $3496.57<br>Kohls 21.9% $1029.11<br>Paypal 26.99% $1454<br>Capital One Visa 22.9% $813.90<br>Capital One MC 22.9% $855.47 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgages $2722<br>Vehicles $1042<br>Credit Cards $670<br>Utilities $235<br>Phone $212.69<br>Insurance $254.63<br>Long Term Care Insurance $144<br>Food $300<br>Cable $300 |
Which debts do you plan to pay off with this loan? | Capital One MC and Visa<br>NTB<br>Bill Me Later<br>Kohls<br>Paypal<br>Barclays<br>Discover |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit Cards<br>NTB 28.99% $1213.40<br>Bill Me Later 19.99% $3496.57<br>Kohls 21.9% $1029.11<br>Paypal 26.99% $1454<br>Capital One Visa 22.9% $813.90<br>Capital One MC 22.9% $855.47 |
Member Payment Dependent Notes Series 1414432
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414432 |
$9,000 |
$9,000 |
14.09% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414432. Member loan 1414432 was requested on July 10, 2012 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: | Martin De Porres | Debt-to-income ratio: | 15.01% |
Length of employment: | 4 years | Location: | BROOKLYN, NY |
Home town: | |||
Current & past employers: | Martin De Porres | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/14/12 > Having one payment with a lower interest rate will save 30% of the total owed over the 3 years.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | 35 |
Revolving Credit Balance: | $8,177.00 | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | total monthly expenses $1600.00 |
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. | macys 100.00 24% 25.00 min<br>discover- 350.00 18% 25.00 min<br>first premier 240.00 20% 25.00 min<br>Bill me Later 340.00 20% 25.00 min<br>credit one visa 460.00 23% 25.00 min<br>capital one visa 980.00 18% 25.00 min<br>capital one visa 725.00 17% 25.00 min<br>navy Federal credit union credit line 460.00 16% 25.00 min<br>Navy Federal credit visa 975.00 16% 30.00 min<br>Navy Federal credit visa 1910.00 16% 39.00 min<br>Navy Federal credit visa 1950.00 16% 30.00 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | total monthly min- 310-330.00 <br>total payoff- 8475.00(round) |
What is the total balance of your credit cards, interest rates and current monthly payments? | 16%-24% |
Member Payment Dependent Notes Series 1414480
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414480 |
$27,000 |
$27,000 |
21.49% |
1.00% |
July 24, 2012 |
July 24, 2017 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414480. Member loan 1414480 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,708 / month |
Current employer: | Goodyear Tire | Debt-to-income ratio: | 15.24% |
Length of employment: | 10+ years | Location: | Uniontown, OH |
Home town: | |||
Current & past employers: | Goodyear Tire | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Refinace credit cards debt to payoff within five years<br><br> Borrower added on 07/13/12 > All of the proceeds will be used to consolidate all of my credit cards into one payment.This will enable my credit card debt to be paid off within the 5 year loan period.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1993 | 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: | $14,957.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.70% | 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)? | $ 2,600-$2,800 |
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. | There are Visa's and Mastercards cards ranging from 17.9%-25.4%. The minimun payments range from $35-$140. There are also department store cards ranging from 23.9%-26.9%. The minimun payments for these range from $40-$122. There are also a car repair and a home improvement card that range from 24.9%-26% with the minimun payment being $25-$35. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My current minimun monthly payment for all of the cards is $ 1,236. With the loan, it will be $300 plus lower and all of the cards will be paid off over the five year span. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My current minimun monthly payment for all of the cards is $ 1,236. With the loan, it will be $300 plus lower and all of the cards will be paid off over the five year span. |
What is the total balance of your credit cards, interest rates and current monthly payments? | My total balance for the credit cards that are to be paid with the loan are $26,836.56. My current monthly payments range from $25-$143 for a total of $ 1,049. My interest rates range from 17.9% to26.9%. |
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. | There are Visa's and Mastercards cards ranging from 17.9%-25.4%. The minimun payments range from $35-$140. There are also department store cards ranging from 23.9%-26.9%. The minimun payments for these range from $40-$122. There are also a car repair and a home improvement card that range from 24.9%-26% with the minimun payment being $25-$35. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My current minimun monthly payment for all of the cards is $ 1,236. With the loan, it will be $300 plus lower and all of the cards will be paid off over the five year span. |
What is the total balance of your credit cards, interest rates and current monthly payments? | My total balance for the credit cards that are to be paid with the loan are $26,836.56. My current monthly payments range from $25-$143 for a total of $ 1,049. My interest rates range from 17.9% to26.9%. |
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. | There are Visa's and Mastercards cards ranging from 17.9%-25.4%. The minimun payments range from $35-$140. There are also department store cards ranging from 23.9%-26.9%. The minimun payments for these range from $40-$122. There are also a car repair and a home improvement card that range from 24.9%-26% with the minimun payment being $25-$35. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My current minimun monthly payment for all of the cards is $ 1,236. With the loan, it will be $300 plus lower and all of the cards will be paid off over the five year span. |
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. | There are Visa's and Mastercards cards ranging from 17.9%-25.4%. The minimun payments range from $35-$140. There are also department store cards ranging from 23.9%-26.9%. The minimun payments for these range from $40-$122. There are also a car repair and a home improvement card that range from 24.9%-26% with the minimun payment being $25-$35. |
What is your intended use for the loan proceeds? | To pay off Credit Card debt. Consolidating Credit Card debt to one payment that is less then our current minumum monthly payments and this loan will be paid off in 5 years with no Credit Card debt. |
What is the total balance of your credit cards, interest rates and current monthly payments? | My total balance for the credit cards that are to be paid with the loan are $26,836.56. My current monthly payments range from $25-$143 for a total of $ 1,049. My interest rates range from 17.9% to26.9%. |
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. | There are Visa's and Mastercards cards ranging from 17.9%-25.4%. The minimun payments range from $35-$140. There are also department store cards ranging from 23.9%-26.9%. The minimun payments for these range from $40-$122. There are also a car repair and a home improvement card that range from 24.9%-26% with the minimun payment being $25-$35. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My current minimun monthly payment for all of the cards is $ 1,236. With the loan, it will be $300 plus lower and all of the cards will be paid off over the five year span. |
What is your intended use for the loan proceeds? | To pay off Credit Card debt. Consolidating Credit Card debt to one payment that is less then our current minumum monthly payments and this loan will be paid off in 5 years with no Credit Card debt. |
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. | There are Visa's and Mastercards cards ranging from 17.9%-25.4%. The minimun payments range from $35-$140. There are also department store cards ranging from 23.9%-26.9%. The minimun payments for these range from $40-$122. There are also a car repair and a home improvement card that range from 24.9%-26% with the minimun payment being $25-$35. |
Please explain the reason why you carry a large revolving credit balance. | Incurred debt due to entire home renovation, used Credit Cards to pay for about a third of the cost, cash for the rest. Have just completed renovation and now ready to pay off credit cards. This loan has a lower monthly payment then our minumum monthly payments and will be paid off in 5 years. |
What is the total balance of your credit cards, interest rates and current monthly payments? | My total balance for the credit cards that are to be paid with the loan are $26,836.56. My current monthly payments range from $25-$143 for a total of $ 1,049. My interest rates range from 17.9% to26.9%. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My current minimun monthly payment for all of the cards is $ 1,236. With the loan, it will be $300 plus lower and all of the cards will be paid off over the five year span. |
What is the total balance of your credit cards, interest rates and current monthly payments? | My total balance for the credit cards that are to be paid with the loan are $26,836.56. My current monthly payments range from $25-$143 for a total of $ 1,049. My interest rates range from 17.9% to26.9%. |
What is the total balance of your credit cards, interest rates and current monthly payments? | My total balance for the credit cards that are to be paid with the loan are $26,836.56. My current monthly payments range from $25-$143 for a total of $ 1,049. My interest rates range from 17.9% to26.9%. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | $2,400-$2,600 monthly, depending on the season. |
Please explain the reason why you carry a large revolving credit balance. | Incurred debt due to entire home renovation, used Credit Cards to pay for about a third of the cost, cash for the rest. Have just completed renovation and now ready to pay off credit cards. This loan has a lower monthly payment then our minumum monthly payments and will be paid off in 5 years. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My current minimun monthly payment for all of the cards is $ 1,236. With the loan, it will be $300 plus lower and all of the cards will be paid off over the five year span. |
What is the total balance of your credit cards, interest rates and current monthly payments? | My total balance for the credit cards that are to be paid with the loan are $26,836.56. My current monthly payments range from $25-$143 for a total of $ 1,049. My interest rates range from 17.9% to26.9%. |
Please explain the reason why you carry a large revolving credit balance. | Incurred debt due to entire home renovation, used Credit Cards to pay for about a third of the cost, cash for the rest. Have just completed renovation and now ready to pay off credit cards. This loan has a lower monthly payment then our minumum monthly payments and will be paid off in 5 years. |
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. | There are Visa's and Mastercards cards ranging from 17.9%-25.4%. The minimun payments range from $35-$140. There are also department store cards ranging from 23.9%-26.9%. The minimun payments for these range from $40-$122. There are also a car repair and a home improvement card that range from 24.9%-26% with the minimun payment being $25-$35. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | Only paying off credit card debt into payment. |
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. | There are Visa's and Mastercards cards ranging from 17.9%-25.4%. The minimun payments range from $35-$140. There are also department store cards ranging from 23.9%-26.9%. The minimun payments for these range from $40-$122. There are also a car repair and a home improvement card that range from 24.9%-26% with the minimun payment being $25-$35. |
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. | There are Visa's and Mastercards cards ranging from 17.9%-25.4%. The minimun payments range from $35-$140. There are also department store cards ranging from 23.9%-26.9%. The minimun payments for these range from $40-$122. There are also a car repair and a home improvement card that range from 24.9%-26% with the minimun payment being $25-$35. |
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. | There are Visa's and Mastercards cards ranging from 17.9%-25.4%. The minimun payments range from $35-$140. There are also department store cards ranging from 23.9%-26.9%. The minimun payments for these range from $40-$122. There are also a car repair and a home improvement card that range from 24.9%-26% with the minimun payment being $25-$35. |
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. | There are Visa's and Mastercards cards ranging from 17.9%-25.4%. The minimun payments range from $35-$140. There are also department store cards ranging from 23.9%-26.9%. The minimun payments for these range from $40-$122. There are also a car repair and a home improvement card that range from 24.9%-26% with the minimun payment being $25-$35. |
What is the total balance of your credit cards, interest rates and current monthly payments? | My total balance for the credit cards that are to be paid with the loan are $26,836.56. My current monthly payments range from $25-$143 for a total of $ 1,049. My interest rates range from 17.9% to26.9%. |
What is your intended use for the loan proceeds? | To pay off Credit Card debt. Consolidating Credit Card debt to one payment that is less then our current minumum monthly payments and this loan will be paid off in 5 years with no Credit Card debt. |
Please explain the reason why you carry a large revolving credit balance. | Incurred debt due to entire home renovation, used Credit Cards to pay for about a third of the cost, cash for the rest. Have just completed renovation and now ready to pay off credit cards. This loan has a lower monthly payment then our minumum monthly payments and will be paid off in 5 years. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My current minimun monthly payment for all of the cards is $ 1,236. With the loan, it will be $300 plus lower and all of the cards will be paid off over the five year span. |
What is the total balance of your credit cards, interest rates and current monthly payments? | My total balance for the credit cards that are to be paid with the loan are $26,836.56. My current monthly payments range from $25-$143 for a total of $ 1,049. My interest rates range from 17.9% to26.9%. |
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. | There are Visa's and Mastercards cards ranging from 17.9%-25.4%. The minimun payments range from $35-$140. There are also department store cards ranging from 23.9%-26.9%. The minimun payments for these range from $40-$122. There are also a car repair and a home improvement card that range from 24.9%-26% with the minimun payment being $25-$35. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | This is only for credit card debt to have one payment and have all credit card debt paid off in five years. |
What is the total balance of your credit cards, interest rates and current monthly payments? | My total balance for the credit cards that are to be paid with the loan are $26,836.56. My current monthly payments range from $25-$143 for a total of $ 1,049. My interest rates range from 17.9% to26.9%. |
Member Payment Dependent Notes Series 1414513
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414513 |
$11,100 |
$11,100 |
13.11% |
1.00% |
July 18, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414513. Member loan 1414513 was requested on July 11, 2012 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: | rock rose coop. | Debt-to-income ratio: | 9.51% |
Length of employment: | 4 years | Location: | BROOKLYN, NY |
Home town: | |||
Current & past employers: | rock rose coop. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > Debt consolidation<br><br> Borrower added on 07/13/12 > I have stable job,and want use loan for fast Debt consolidation<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,855.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 88.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Hi. current debt balances 10500$, interest rates from 11% up to 21, monthly payments +-300$ |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | loan for fast Debt consolidation only. |
Member Payment Dependent Notes Series 1414522
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414522 |
$19,000 |
$19,000 |
7.90% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414522. Member loan 1414522 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,133 / month |
Current employer: | Wisconsin Hospital Association | Debt-to-income ratio: | 30.68% |
Length of employment: | < 1 year | Location: | Madison, WI |
Home town: | |||
Current & past employers: | Wisconsin Hospital Association | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Purpose of loan:<br>This loan will be used to consolidate 2 debts with APRs at roughly 14% & 17%.<br><br>My financial situation:<br>I am a good candidate for this loan because I have one additional loan with lending club and have really benefited from the structured debt payoff and improved my budgeting.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 25 | Months Since Last Delinquency: | 77 |
Revolving Credit Balance: | $8,585.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 36.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: $512 including utilities<br>Transportation: $213 ($150-fuel, $63-auto insurance)<br>Phone: $62<br>Insurance: (Renters - $100/year), my employer provides health insurance with no premium<br>Food: $250<br>Clothing/Entertainment/Misc: $300<br>Retirement Plan: $368<br>TOTAL: $1,713 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Student Loan #1: $19,963/6.55%/$180.64<br>Student Loan #2: $13,482/6.55%/$126.44<br>Student Loan #3: $10,949/2.75%/$105.36<br>Auto Loan: $18,323/6.50%/$430.51<br>Credit Card: $6,500/16.99%/$190 (to be consolidated)<br>Lending Club: $5,302/13.61%/$407.87 (to be consolidated)<br>Private Loan: $7,146/14.49%/$275.33 (to be consolidated<br><br>CURRENT TOTAL: $1,716.15<br>REVISED TOTAL (with consolidatation): $1,437.47 |
Member Payment Dependent Notes Series 1414525
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414525 |
$14,000 |
$14,000 |
12.12% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414525. Member loan 1414525 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,267 / month |
Current employer: | American Food and Vending Inc | Debt-to-income ratio: | 13.44% |
Length of employment: | 6 years | Location: | LIVERPOOL, NY |
Home town: | |||
Current & past employers: | American Food and Vending 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 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 26 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,184.00 | 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 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Strictly for credit cards - before the new credit card laws went into affect a few years ago I had great APRs but companys decided to double my APRs in most cases to try and beat the new laws - the APR offered by Lending Club would allow me to payoff my debt faster and for less which is what I am looking for |
What is your intended use for the loan proceeds? | To pay off my credit cards - it is the only debt I carry - I have paid off my college loans and paid my car off early - the interest rate offered to me by Lending Club is excellent compared to my credit cards |
Which debts do you plan to pay off with this loan? | Credit cards - college loan is paid off and I paid my car off early already - I have no other debts |
Please explain the reason why you carry a large revolving credit balance. | About half of my debt is because of unexpected medical bills during the past 2 years - credit cards have high APRs even though I always pay on time and until recently was paying more than minimum payments - they doubled my APRs a few years ago to beat the federal regulations that passed |
Member Payment Dependent Notes Series 1414529
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414529 |
$30,000 |
$30,000 |
19.05% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414529. Member loan 1414529 was requested on July 10, 2012 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: | Dascom Systems Group | Debt-to-income ratio: | 14.77% |
Length of employment: | < 1 year | Location: | Highlands Ranch, CO |
Home town: | |||
Current & past employers: | Dascom Systems Group | ||
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 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 42 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $22,299.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.00% | 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? | elimination of revolving credit debt |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | ~$1500 per month |
Member Payment Dependent Notes Series 1414547
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414547 |
$11,750 |
$11,750 |
15.31% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414547. Member loan 1414547 was requested on July 11, 2012 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: | CRC/Crump | Debt-to-income ratio: | 22.77% |
Length of employment: | 5 years | Location: | WINTER PARK, FL |
Home town: | |||
Current & past employers: | CRC/Crump | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > Paying off CC debt at a lower rate than the 4 CC's I have. I have no trouble making the payments. Just tired of being taken advantage of by my bank. I can get ahead and back to the black w/the help of this loan.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1998 | 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: | $7,691.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 97.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Total not including credit cards, $1346 this consists of my car, student loan, rent, phone, utilities, food |
Which debts do you plan to pay off with this loan? | All of my credit cards 3/Chase 1 w/Capital One. Total combined balance of $11,200 and the rates on all of the cards are 20%+ |
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 combined balance $11,200 all at 20%+<br>Car Loan balance roughly $13,500 7%<br>Student Loan balance roughly $3200 7% as well |
Member Payment Dependent Notes Series 1414574
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414574 |
$5,000 |
$5,000 |
13.11% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414574. Member loan 1414574 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,855 / month |
Current employer: | n/a | Debt-to-income ratio: | 10.35% |
Length of employment: | 4 years | Location: | Scottsdale, AZ |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > Need capital for marketing to announce expansion of existing business(4 years old) to developing area with no competitors within 15 mile radius.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 22 |
Revolving Credit Balance: | $5,356.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 17.70% | 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)? | My monthly expenses are incredibly low as I'm a single business owner sharing a residence with 2 other people. Rent $500. Transportation $127. Utilities $143. Phone $115. Insurance $110. Food $450. Truck Payment $250. I own a co-ed sports league that is 4 years old. I'm expanding to a new part of town where there are no competing sports leagues.This money is being used for distribution of 50,000 door hangers to market my leagues in the area which will generate immediate revenue. |
If you have a delinquency in the last 2 years, please explain the reason. | It is due to a misunderstanding due to switching from paper billing to automatic billing and not to a lack of funds. Very rarely does my checking account balance drop below $5,000. I own a co-ed sports club that puts on leagues for young professionals(est. 2008). I'm expanding my business to a growing area of town which has absolutely no competing sports leagues in the area. This money is being used for distribution of 50,000 door hangers which will generate immediate revenue within 45 days. |
If you have a delinquency in the last 2 years, please explain the reason. | It is due to a misunderstanding due to switching from paper billing to automatic billing and not to a lack of funds. Very rarely does my checking account balance drop below $5,000. I own a co-ed sports club that puts on leagues for young professionals(est. 2008). I'm expanding my business to a growing area of town which has absolutely no competing sports leagues in the area. This money is being used for distribution of 50,000 door hangers which will generate immediate revenue within 45 days. |
Member Payment Dependent Notes Series 1414608
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414608 |
$4,000 |
$4,000 |
6.03% |
1.00% |
July 19, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414608. Member loan 1414608 was requested on July 11, 2012 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: | avista utilities | Debt-to-income ratio: | 11.18% |
Length of employment: | 6 years | Location: | pullman, WA |
Home town: | |||
Current & past employers: | avista utilities | ||
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 10, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 48 |
Revolving Credit Balance: | $21,102.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 22.80% | 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? | The loan is for a family boat.I didnt want to spend more than the minimum 5000.00 that most banks require for a boat loan. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Mortgage-550.00<br>2nd mortgage-230.00<br>insurance-400.00/yr<br>taxes-1800.00/yr<br>utilities-240/mo |
Please explain the reason why you carry a large revolving credit balance. | I combined several smaller credit card balances along with some of the wife,s balances to cards with lower fixed rates |
Member Payment Dependent Notes Series 1414643
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414643 |
$4,100 |
$4,100 |
7.90% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414643. Member loan 1414643 was requested on July 10, 2012 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: | n/a | Debt-to-income ratio: | 18.62% |
Length of employment: | n/a | Location: | Temecula, CA |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I am using this loan to payoff the IRS<br><br> Borrower added on 07/10/12 > I am using this loan to pay off the IRS<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 780+ | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2001 | 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: | $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 1414690
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414690 |
$3,600 |
$3,600 |
11.14% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414690. Member loan 1414690 was requested on July 10, 2012 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: | 10.48% |
Length of employment: | 2 years | Location: | Oakland, CA |
Home town: | |||
Current & past employers: | n/a | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Gathering up debts under a lower interest rate. I have never been late with a payment. I won't be starting now.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2000 | 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: | $3,349.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 81.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1414717
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414717 |
$9,600 |
$9,600 |
17.27% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414717. Member loan 1414717 was requested on July 10, 2012 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: | AA green cleaning services | Debt-to-income ratio: | 7.19% |
Length of employment: | 1 year | Location: | Louisville, KY |
Home town: | |||
Current & past employers: | AA green cleaning services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Would like to payoff my credit card debt.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/2005 | 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: | $9,340.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.80% | 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)? | Between, mortgage, utilities, insurance, food, gas around 1600 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards 13000, mortgage 403. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards 13000, mortgage 403. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Between, mortgage, utilities, insurance, food, gas around 1600 |
Which debts do you plan to pay off with this loan? | Will like to pay off lower credit card debts completely, and remaining money to have at least 50% debt on major one. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Between, mortgage, utilities, insurance, food, gas around 1600 |
Please explain the reason why you carry a large revolving credit balance. | Have two sisters diagnosed with cancer at same time in my country, all my cash money went to pay part of their treatment, i had to live on credit cards while i was able to help them |
Member Payment Dependent Notes Series 1414747
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414747 |
$17,825 |
$17,825 |
18.75% |
1.00% |
July 18, 2012 |
July 24, 2017 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414747. Member loan 1414747 was requested on July 10, 2012 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: | Burt Watts Industries, Inc. | Debt-to-income ratio: | 11.70% |
Length of employment: | 1 year | Location: | Austin, TX |
Home town: | |||
Current & past employers: | Burt Watts Industries, Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > This loan is to consolidate my credit card debt which I am currently paying down. I accumulated the credit card debt to help finance my education. My current monthly payments for the credit card debt are more than the monthly payment for this loan which I have had no issue paying each month.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2004 | 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: | $21,445.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 52.20% | 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 |
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 - $14,520 - 12% - $285/mo.<br>Discover - $2,287 - 13.99% - $50/mo.<br>Visa #1 - $1,462 - 27.24% - $46/mo.<br>Visa #2 - $1,344 - 15.24% - $35/mo.<br>Visa #3 - $3,114 - 13.65% - $77/mo. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - $1250<br>Utilities - $175<br>Insurance - $230<br>Gas - $300<br>Food - $800<br>Entertainment - $100<br>Pets - $100<br>Cable/Internet - $150<br>Telephone - $160<br>Misc. - $250<br>Student Loans - $320 |
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 - $14,520 - 12% - $285/mo.<br>Discover - $2,287 - 13.99% - $50/mo.<br>Visa #1 - $1,462 - 27.24% - $46/mo.<br>Visa #2 - $1,344 - 15.24% - $35/mo.<br>Visa #3 - $3,114 - 13.65% - $77/mo. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Total minimum of all existing credit cards is about $483/mo. <br><br>The new loan payment will be $460/mo. which will be use to help consolidate the debt |
Member Payment Dependent Notes Series 1414764
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414764 |
$10,000 |
$10,000 |
18.49% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414764. Member loan 1414764 was requested on July 10, 2012 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: | Disney | Debt-to-income ratio: | 11.28% |
Length of employment: | 10+ years | Location: | Kissimmee, FL |
Home town: | |||
Current & past employers: | Disney | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > This loan is to consolidate debt. I'm pay my debts so this loan is just to help improve my credit<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/1999 | 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: | $5,027.00 | 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. | Poor planning |
Which debts do you plan to pay off with this loan? | IRS and credit cards |
Member Payment Dependent Notes Series 1414784
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414784 |
$6,000 |
$6,000 |
13.11% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414784. Member loan 1414784 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,701 / month |
Current employer: | L3 IEC | Debt-to-income ratio: | 17.46% |
Length of employment: | 2 years | Location: | GARDEN GROVE, CA |
Home town: | |||
Current & past employers: | L3 IEC | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > to pay off a loan from one main financing , the balance<br>is about $4900<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1999 | 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: | $26,298.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.70% | 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)? | the monthly expenses is between $1600 to $1700 |
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 balance is $19000 ,minimum payment $350<br>mastercard balance is $6600 , minimum payment $150<br>visa balance is $900, minimum payment $25<br>one loan balance is $4900 , minimum payment $160 ( plan to pay off because interest is 24%) |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | $350 plus $150 plus $25 plus $210 ( from this loan ) is $735 |
Member Payment Dependent Notes Series 1414847
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1414847 |
$35,000 |
$35,000 |
19.72% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1414847. Member loan 1414847 was requested on July 10, 2012 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: | R&S Dairy Queen Inc. | Debt-to-income ratio: | 15.48% |
Length of employment: | 10+ years | Location: | san antonio, TX |
Home town: | |||
Current & past employers: | R&S Dairy Queen Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > iim good for the money i just want one payment i have ripped all credit cards i make great money and been wth my job 25 years i havent tired my bank yet my credit score is 690<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 23 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 45 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $35,583.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 74.70% | 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)? | 1700. |
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. | master card 4334 payment pay 200 CC 3684 pay 200.00 master card 3269 200CC 3497 pay 200 CC 3105 pay 200 CC 2795 pay 200 visa 2295 pay 150 CC1936 100 CC1876 pay 100 CC1723 pay 150 master card 1698 150 CC 1406 pay 100 CC 1352 pay 100 CC 1254 pay 100 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | ABOUT 2000.00 AMONTH NOW WITH THIS LOAN IT WILL BE ABOUT 1700.00 |
Member Payment Dependent Notes Series 1415201
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415201 |
$5,675 |
$5,675 |
13.11% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415201. Member loan 1415201 was requested on July 10, 2012 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: | renee's countryside farm | Debt-to-income ratio: | 6.51% |
Length of employment: | 10+ years | Location: | PALMERTON, PA |
Home town: | |||
Current & past employers: | renee's countryside farm | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > Just looking to consolidate a few higher interest credit cards.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 3 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $8,869.00 | 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 |
Please explain the reason why you carry a large revolving credit balance. | I just got behind, have stopped charging and want to pay down one card in particular that is almost 27%, my PayPal Smart Connect, didn't realize it was that high. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I'm using it to pay down a balance on a card that I didn't realize was almost 27%, it's my PayPal Smart Connect. |
Which debts do you plan to pay off with this loan? | My PayPal Smart Connect which is a crazy 25+%, which I didn't realize and should have, and a Citi Card with about $3500 on it. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Etrade card $1700, Citi $3500, PayPal SmartConnect $3700. I believe the rates are 15%, 0% and 27% respectively. I pay $75, $55 and $121 a month. |
Member Payment Dependent Notes Series 1415358
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415358 |
$18,000 |
$18,000 |
12.12% |
1.00% |
July 19, 2012 |
July 24, 2017 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415358. Member loan 1415358 was requested on July 10, 2012 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: | Teledyne Control | Debt-to-income ratio: | 16.22% |
Length of employment: | 8 years | Location: | MISSION VIEJO, CA |
Home town: | |||
Current & past employers: | Teledyne Control | ||
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 10, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | 35 |
Revolving Credit Balance: | $14,913.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 28.30% | 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 reason for the loan is to remodel my house. I need to buy new furniture and appliances. At the same time I need to do some improvements in the bathrooms. I believe these changes will increase the equity of my house. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current expenses are around $3000. |
If you have a delinquency in the last 2 years, please explain the reason. | NA |
If you have a public record on file, please briefly explain the event and its resolution. | NA |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | I own a house and I paid $1743. This includes mortgages, taxes and insurance. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current expenses are around $3000. |
Please explain the reason why you carry a large revolving credit balance. | I travel for work very extensible and all the expenses are covered with my personal credit cards. However, my company reimburses me constantly |
If you have a delinquency in the last 2 years, please explain the reason. | NA |
What is your intended use for the loan proceeds? | The reason for the loan is to remodel my house. I need to buy new furniture and appliances. At the same time I need to do some improvements in the bathrooms. I believe these changes will increase the equity of my house. |
What is your intended use for the loan proceeds? | The reason for the loan is to remodel my house. I need to buy new furniture and appliances. At the same time I need to do some improvements in the bathrooms. I believe these changes will increase the equity of my house. |
What are you buying? | I will invest the money on my house. I need to acquire new appliances and furniture. At the same time there are some changes that I need to do to my bathroom. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Everything is going to be used on my house |
Member Payment Dependent Notes Series 1415373
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415373 |
$23,850 |
$23,850 |
22.95% |
1.00% |
July 24, 2012 |
July 24, 2017 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415373. Member loan 1415373 was requested on July 10, 2012 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: | Cabo Flats | Debt-to-income ratio: | 34.28% |
Length of employment: | 2 years | Location: | Palm Beach Gardens, FL |
Home town: | |||
Current & past employers: | Cabo Flats | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I have had credit card debt for a long time and want to consolidate<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1986 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 9 |
Revolving Credit Balance: | $33,649.00 | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Insurance and car payment are $800, utilities and water $300phone plus internet is $250. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Student loan has a little over $3k. Four visas totaling $20k, department store credit cards $3800, and American Expess with a little under $10k.<br><br>No lines of credit and no mortgage. |
Please explain the reason why you carry a large revolving credit balance. | I have had the balance since college. I moved twice after college and had to rebuild my life and could never catch up. |
If you have a delinquency in the last 2 years, please explain the reason. | Yes, from mis-managing my debt. Have many different due dates for credit cards and did not plan properly. |
Which debts do you plan to pay off with this loan? | As many as I can. The debts I have bad the longest, like the American Express card |
Member Payment Dependent Notes Series 1415430
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415430 |
$7,800 |
$7,800 |
14.09% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415430. Member loan 1415430 was requested on July 10, 2012 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: | Purdue Pharma | Debt-to-income ratio: | 11.30% |
Length of employment: | 1 year | Location: | YONKERS, NY |
Home town: | |||
Current & past employers: | Purdue Pharma | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I have a few store cards and credit cards that I would like to consolidate so I can focus more on saving than making various payments.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,414.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Hi,<br><br>All of my monthly expenses average around $1,400. Thank you for inquiring further in my loan. Please feel free to contact be with any further questions. |
Member Payment Dependent Notes Series 1415435
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415435 |
$6,000 |
$6,000 |
11.14% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415435. Member loan 1415435 was requested on July 11, 2012 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: | Northwestern University | Debt-to-income ratio: | 14.45% |
Length of employment: | < 1 year | Location: | Evanston, IL |
Home town: | |||
Current & past employers: | Northwestern University | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > Hi! I was recently hired for a new job that doesn't start until September. My last job ended in June. This loan will help provide a cushion until my new salary starts, and allow me to pay down some existing credit card debt. Thank you!<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,340.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1415458
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415458 |
$9,000 |
$9,000 |
12.12% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415458. Member loan 1415458 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $5,667 / month |
Current employer: | jb hunt transportion | Debt-to-income ratio: | 21.62% |
Length of employment: | 6 years | Location: | middletown, VA |
Home town: | |||
Current & past employers: | jb hunt transportion | ||
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 10, 2012:
Credit Score Range: | 679-713 | 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: | 21 | Months Since Last Delinquency: | 80 |
Revolving Credit Balance: | $12,665.00 | 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 |
What is your intended use for the loan proceeds? | Will I drive a truck and iam always working I would like to pay all my small bills off and just have one monthly payment to make things simple and easy on me |
Member Payment Dependent Notes Series 1415503
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415503 |
$5,200 |
$5,200 |
12.12% |
1.00% |
July 18, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415503. Member loan 1415503 was requested on July 10, 2012 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: | Capital City Ambulance | Debt-to-income ratio: | 30.30% |
Length of employment: | < 1 year | Location: | NORTH AUGUSTA, SC |
Home town: | |||
Current & past employers: | Capital City Ambulance | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > I have 5 credit cards and would love to close the accounts and make 1 payment to Lending Club at a good rate.<br><br> Borrower added on 07/17/12 > It would be so much easier and safer not having to keep up with passwords and all the mail coming in. I would love to get out of debt as soon as possible. Pay off my credit cards and close them. Pay this loan off in three years at a lower rate.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2002 | 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: | $7,594.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 71.00% | 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)? | orchard bank cc-409.98 25/month, gander mtn cc-625.49 25/month, bass pro cc-506.55 25/month, care credit cc-1057.73 36/month, discover cc-1821.00 46/month, Amazon storecard-777.42 25/month- IR's greater than 12% on all 6. Hoping to close at least 5 of these 6. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | orchard bank cc-409.98 25/month, gander mtn cc-625.49 25/month, bass pro cc-506.55 25/month, care credit cc-1057.73 36/month, discover cc-1821.00 46/month, Amazon storecard-777.42 25/month- IR's greater than 12% on all 6. Hoping to close at least 5 of these 6. |
Which debts do you plan to pay off with this loan? | This is a duplicate question. I would pay off orchard bank cc at 409.98, gander mountain at 625.49, bass pro at 506.55, care credit at 1057.73, discover at 1821.00, and amazon store card at 777.42. These debts equal 5198.17. It would be so much easier and safer to close these and make one payment to lending club. It would only save a few dollars but much easier to manage as far as bills coming in the mail and passwords to keep up with. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | orchard bank cc-409.98 25/month, gander mtn cc-625.49 25/month, bass pro cc-506.55 25/month, care credit cc-1057.73 36/month, discover cc-1821.00 46/month, Amazon storecard-777.42 25/month- IR's greater than 12% on all 6. Hoping to close at least 5 of these 6. |
Member Payment Dependent Notes Series 1415512
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415512 |
$14,075 |
$14,075 |
15.31% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415512. Member loan 1415512 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,258 / month |
Current employer: | Virginia Department of Health | Debt-to-income ratio: | 26.95% |
Length of employment: | 5 years | Location: | CRITZ, VA |
Home town: | |||
Current & past employers: | Virginia Department of Health | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > The loan will be used to consolidate credit card debt into one payment. This will allow me to pay them quicker at a lower rate.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 54 |
Revolving Credit Balance: | $8,809.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.60% | 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 current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards: Amex ($389.18/$35.00 mo); Master Card ($1993.26/$100.00 mo); Discover ($2861.17/$65 mo); Belk ($426.56/$25 mo); JCP ($1226.55/$60.00 mo); Sears ($400.52/$20 mo); Walmart ($1114.72/$35 mo); Master Card/Bank of America ($2548.59/$110 mo). Dell ($531.20/$30 mo).<br><br>Student Loan/AES ($33495.57/$191.57 mo)<br>Bank of America/Line of Credit ($4537.81/$200 mo)<br>Car loan ($1228.74/$409.58 mo) |
Which debts do you plan to pay off with this loan? | Credit cards: Amex ($389.18); Master CardCapitol One ($1993.26); Discover ($2861.17/$65 mo); Belk ($426.56/$25 mo); JCP ($1226.55/$60.00 mo); Sears ($400.52/$20 mo); Walmart ($1114.72/$35 mo); Master Card/Bank of America ($2548.59/$110 mo). Dell ($531.20); Car loan ($1228.74) |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car loan $409.58<br>Rent $300<br>Power $240<br>Phone $90.00<br>Car Insurance $82<br>Food $150<br>Gas $100 |
Which debts do you plan to pay off with this loan? | Credit cards: Amex ($389.18); Master CardCapitol One ($1993.26); Discover ($2861.17/$65 mo); Belk ($426.56/$25 mo); JCP ($1226.55/$60.00 mo); Sears ($400.52/$20 mo); Walmart ($1114.72/$35 mo); Master Card/Bank of America ($2548.59/$110 mo). Dell ($531.20); Car loan ($1228.74) |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards: Amex ($389.18/$35.00 mo); Master Card ($1993.26/$100.00 mo); Discover ($2861.17/$65 mo); Belk ($426.56/$25 mo); JCP ($1226.55/$60.00 mo); Sears ($400.52/$20 mo); Walmart ($1114.72/$35 mo); Master Card/Bank of America ($2548.59/$110 mo). Dell ($531.20/$30 mo).<br><br>Student Loan/AES ($33495.57/$191.57 mo)<br>Bank of America/Line of Credit ($4537.81/$200 mo)<br>Car loan ($1228.74/$409.58 mo) |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I plan to pay the following debts: Bank of America/Master Card ($2548.59), AMEX ($389.18), Capitol One/Master Card ($1993.26), Discover ($2861.17), Belk ($426.56), JCP ($1226.55), Sears ($400.52), Walmart ($1114.72), Dell ($531.20) and Car Loan ($1228.74). |
Member Payment Dependent Notes Series 1415518
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415518 |
$3,000 |
$3,000 |
10.16% |
1.00% |
July 20, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415518. Member loan 1415518 was requested on July 12, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $13,167 / month |
Current employer: | Alameda County Public Defender | Debt-to-income ratio: | 5.20% |
Length of employment: | 10+ years | Location: | Castro valley, CA |
Home town: | |||
Current & past employers: | Alameda County Public Defender | ||
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 11, 2012:
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): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | 42 |
Revolving Credit Balance: | $3,739.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 13.20% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Generally between 5 and 5,000.00 including mortgage, car note etc. |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquencies in the last two years |
What is your intended use for the loan proceeds? | To pay off a 19% credit card. |
Please provide additional details regarding the purpose of the loan. | See above. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Generally between 5 and 5,000.00 including mortgage, car note etc. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Between 5000and 6000 |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquencies in the last two years |
If you have a public record on file, please briefly explain the event and its resolution. | None |
Please provide additional details regarding the purpose of the loan. | See above. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | One purpose to pay off a 19% credit card |
What is your intended use for the loan proceeds? | To pay off a 19% credit card. |
What is your intended use for the loan proceeds? | To pay off a 19% credit card. |
What is your intended use for the loan proceeds? | To pay off a 19% credit card. |
What is your intended use for the loan proceeds? | To pay off a 19% credit card. |
Member Payment Dependent Notes Series 1415614
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415614 |
$5,500 |
$5,500 |
15.31% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415614. Member loan 1415614 was requested on July 10, 2012 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: | Signature Concepts | Debt-to-income ratio: | 21.93% |
Length of employment: | 4 years | Location: | MINNEAPOLIS, MN |
Home town: | |||
Current & past employers: | Signature Concepts | ||
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 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | 7 |
Revolving Credit Balance: | $3,858.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 74.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1415661
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415661 |
$24,000 |
$24,000 |
23.28% |
1.00% |
July 24, 2012 |
July 24, 2017 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415661. Member loan 1415661 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,750 / month |
Current employer: | Codexis Inc. | Debt-to-income ratio: | 14.46% |
Length of employment: | 5 years | Location: | SAN MATEO, CA |
Home town: | |||
Current & past employers: | Codexis Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/10/12 > I am currently paying about $900 per month for credit debt payments. This loan will help me pay less and save on the total amount due because of a lower APR and lower monthly payments. Thanks for reading!<br><br> Borrower added on 07/10/12 > During graduate school (graduated 2011) I built up a lot of debt. I currently hold an excellent in biotech. Per month, I pay more now than the terms for this loan would require, so I am confident I can repay. Thank you for reading and please let me know of any questions.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 5 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | 9 |
Revolving Credit Balance: | $18,624.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.70% | 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. | Thank you for taking interest. To answer your question, I have not had any delinquencies at all throughout the roughly 17 years I've had credit. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Hello and thank you for taking interest. My total credit card debt is $24,000 (varies from 25-30% apr) with a $950 per month payment. My student loans will not be a part of this loan, but the monthly payment is $125 and a total of $17,000 due (at 2-3% apr). |
Which debts do you plan to pay off with this loan? | Hello and thanks for taking the time to ask a question. I plan to use this loan to pay credit card debt totally $24.000. For the majority of the cards, I plan to shut them down after payment. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Hello and thank you for taking interest. Here's a run-down of monthly dues:<br><br>rent/utilities: $1275+50-100<br>phone: $220 (family plan)<br>insurance: $130<br>food: $400-600<br>credit cards: $950<br>school loans: $125 |
Member Payment Dependent Notes Series 1415717
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415717 |
$14,975 |
$14,975 |
10.16% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415717. Member loan 1415717 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $11,167 / month |
Current employer: | US BANK | Debt-to-income ratio: | 21.13% |
Length of employment: | 4 years | Location: | HAYWARD, CA |
Home town: | |||
Current & past employers: | US 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 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 28 | Months Since Last Delinquency: | 18 |
Revolving Credit Balance: | $21,435.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 54.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1415731
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415731 |
$10,000 |
$10,000 |
15.31% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415731. Member loan 1415731 was requested on July 10, 2012 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: | Water & Power Community Credit Union | Debt-to-income ratio: | 9.15% |
Length of employment: | 5 years | Location: | West Coina, CA |
Home town: | |||
Current & past employers: | Water & Power Community Credit Union | ||
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 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2007 | 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: | $9,083.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.20% | 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. | VISA $2,000 APR 16.24% min payment $44 / $300 APR 23.90% min payment $25 <br>MASTERCARD $700 APR 20% min payment $25<br>AMEX $4,000 APR 16% min payment $90<br>Consumer card $2,000 APR 26% min payment $45 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1600.00 current monthly expenses |
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 $2,000 APR 16.24% min payment $44 / $300 APR 23.90% min payment $25 <br>MASTERCARD $700 APR 20% min payment $25<br>AMEX $4,000 APR 16% min payment $90<br>Consumer card $2,000 APR 26% min payment $45 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My current minimum monthly payment for credit cards $300. After the payoff my credit card payment will be $340 for this loan payable in 3 years. |
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 $2,000 APR 16.24% min payment $44 / $300 APR 23.90% min payment $25 <br>MASTERCARD $700 APR 20% min payment $25<br>AMEX $4,000 APR 16% min payment $90<br>Consumer card $2,000 APR 26% min payment $45 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1600.00 current monthly expenses |
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 $2,000 APR 16.24% min payment $44 / $300 APR 23.90% min payment $25 <br>MASTERCARD $700 APR 20% min payment $25<br>AMEX $4,000 APR 16% min payment $90<br>Consumer card $2,000 APR 26% min payment $45 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My current minimum monthly payment for credit cards $300. After the payoff my credit card payment will be $340 for this loan payable in 3 years. |
Member Payment Dependent Notes Series 1415732
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415732 |
$11,200 |
$11,200 |
11.14% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415732. Member loan 1415732 was requested on July 11, 2012 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: | Comcast Cable | Debt-to-income ratio: | 18.53% |
Length of employment: | 4 years | Location: | boca raton, FL |
Home town: | |||
Current & past employers: | Comcast Cable | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > This loan is to consolidate 6 accounts into one monthly payment and pay off my debt in a set amount of time. We have never been late or missed a payment on any accounts, all my credit is in good standing this will save me a significant amount in interest and is less than my current monthly rate<br><br> Borrower added on 07/11/12 > This loan is to consolidate 6 accounts into one payment. I have never been late or missed any payments, the monthly payment of this loan will save me on interest and my monthly payment.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 12 | Months Since Last Delinquency: | 52 |
Revolving Credit Balance: | $3,907.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 27.90% | 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)? | mortgage - 1100<br>Car payment 575<br>about 150 for power<br>around 120 for phone service<br>insurance is 65 a month<br>water about 24 |
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. | Store card - balance 658 minimum 25<br>store card 2 balance - 1857 minimum 65<br>store card 3 - balance 2865 minimum 100<br>visa - balance 783 minimum 50<br>visa - balance 4867 minimum 90<br>american express - 182 minimum 25 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | $355 for all the credit cards and i usually pay near 400 by paying a little extra to each card. they will all be paid off by the loan and my monthly payment will be 367.42 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage - 1100<br>Car payment 575<br>about 150 for power<br>around 120 for phone service<br>insurance is 65 a month<br>water about 24 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | 1100 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | $355 for all the credit cards and i usually pay near 400 by paying a little extra to each card. they will all be paid off by the loan and my monthly payment will be 367.42 |
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 on file |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage - 1100<br>Car payment 575<br>about 150 for power<br>around 120 for phone service<br>insurance is 65 a month<br>water about 24 |
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. | Store card - balance 658 minimum 25<br>store card 2 balance - 1857 minimum 65<br>store card 3 - balance 2865 minimum 100<br>visa - balance 783 minimum 50<br>visa - balance 4867 minimum 90<br>american express - 182 minimum 25 |
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. | Store card - balance 658 minimum 25<br>store card 2 balance - 1857 minimum 65<br>store card 3 - balance 2865 minimum 100<br>visa - balance 783 minimum 50<br>visa - balance 4867 minimum 90<br>american express - 182 minimum 25 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage - 1100<br>Car payment 575<br>about 150 for power<br>around 120 for phone service<br>insurance is 65 a month<br>water about 24 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | 1100 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | It is going to pay off credit card and store cards so instead of taking about 14 if i pay extra every month i can pay it all down in 3 years. It will be allocated to pay off each card all at once and i will pay everything i previously paid to the cards to the loan which totals to be about the same a month. |
Member Payment Dependent Notes Series 1415739
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415739 |
$11,500 |
$11,500 |
13.11% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415739. Member loan 1415739 was requested on July 11, 2012 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: | Insteel | Debt-to-income ratio: | 21.87% |
Length of employment: | 1 year | Location: | Jacksonville, FL |
Home town: | |||
Current & past employers: | Insteel | ||
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 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2008 | 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: | $5,595.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 37.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1415749
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415749 |
$5,000 |
$5,000 |
7.90% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415749. Member loan 1415749 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $5,417 / month |
Current employer: | Raytheon | Debt-to-income ratio: | 8.36% |
Length of employment: | 6 years | Location: | Torrance, CA |
Home town: | |||
Current & past employers: | Raytheon | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > Loan is for consolidating some credit cards for a lower interest rate. I have a good credit score and I have had a previous loan from this website with which I actually paid off 2 years early.<br>
A credit bureau reported the following information about this borrower member on July 10, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 23 |
Revolving Credit Balance: | $4,910.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 11.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I live at home so $0 for rent. My other expenses are typical of anyone else's. I have tuition loan expense that runs $300 a month. Most of my money goes towards savings for a future potential property in a few years. |
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:$4000 (18%)<br>Visa:$600 (22%)<br>Visa:$200 (15%) |
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 payment runs runs just under $200 a month for all my credit cards. This loan allows for a $150 a month with a lower interest rate. All likelihood I will be attempting to pay off the loan in a shorter time frame than the allotted 3 years. |
If you have a delinquency in the last 2 years, please explain the reason. | None |
What is your intended use for the loan proceeds? | Consolidate my 2 credit cards into 1 loan with a lesser interest rate |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I live at home so $0 for rent. My other expenses are typical of anyone else's. I have tuition loan expense that runs $300 a month. Most of my money goes towards savings for a future potential property in a few years. |
What is the total balance of your credit cards, interest rates and current monthly payments? | Total balance is roughly $4600, at about 15-20%, at a monthly payments in the total amount of $200 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | I live at home so my monthly rent is $0. My only expense aside from the typical expenses (ie food, entertainment) is school loans and car payments. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I live at home so $0 for rent. My other expenses are typical of anyone else's. I have tuition loan expense that runs $300 a month. Most of my money goes towards savings for a future potential property in a few years. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | I live at home so my monthly rent is $0. My only expense aside from the typical expenses (ie food, entertainment) is school loans and car payments. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I live at home so $0 for rent. My other expenses are typical of anyone else's. I have tuition loan expense that runs $300 a month. Most of my money goes towards savings for a future potential property in a few years. |
Member Payment Dependent Notes Series 1415795
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415795 |
$12,000 |
$12,000 |
14.33% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415795. Member loan 1415795 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,533 / month |
Current employer: | El Paso Police Department | Debt-to-income ratio: | 26.89% |
Length of employment: | 10+ years | Location: | El Paso, TX |
Home town: | |||
Current & past employers: | El Paso 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 10, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2000 | 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: | $17,873.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 65.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1415901
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415901 |
$9,450 |
$9,450 |
17.27% |
1.00% |
July 24, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415901. Member loan 1415901 was requested on July 10, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,400 / month |
Current employer: | Driftwood healthcare center | Debt-to-income ratio: | 10.06% |
Length of employment: | < 1 year | Location: | Long beach, CA |
Home town: | |||
Current & past employers: | Driftwood healthcare 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 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 22 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 52 |
Revolving Credit Balance: | $17,220.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 48.10% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent1100 ; phone 170 ; utility 30 ; cable 75 ; car and insurance 450 |
Please explain the reason why you carry a large revolving credit balance. | To buy appliance and stuff needed for the household . |
Which debts do you plan to pay off with this loan? | The 4 cards I used . I want to make it into one w/ easier payments and low monthly rates to pay it off right away. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Target:1850, citi:4000, uboc: 2000. It's less than 100 to pay monthly but I want it in one so I can pay it of at least within 2 years .. Coz the interest will eat me. |
Member Payment Dependent Notes Series 1415972
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1415972 |
$7,000 |
$7,000 |
15.80% |
1.00% |
July 19, 2012 |
July 24, 2015 |
July 24, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1415972. Member loan 1415972 was requested on July 10, 2012 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: | Southern Illinois Healthcare | Debt-to-income ratio: | 19.10% |
Length of employment: | 10+ years | Location: | Ava, IL |
Home town: | |||
Current & past employers: | Southern Illinois Healthcare | ||
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 10, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 5 |
Total Credit Lines: | 42 | Months Since Last Delinquency: | 8 |
Revolving Credit Balance: | $92,622.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1416018
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416018 |
$9,000 |
$9,000 |
16.29% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416018. Member loan 1416018 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $2,333 / month |
Current employer: | choice construction | Debt-to-income ratio: | 20.19% |
Length of employment: | 7 years | Location: | LEOMINSTER, MA |
Home town: | |||
Current & past employers: | choice construction | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/16/12 > Have 3 credit cards which were one year no interest but have jumped to 20% due to expences last year which i cannot elaborate on due to this sights rules i did not pay off. Payments are done and would like to lower my rate n make one mmonthly payment instead of 3. will have about 3000 after pay off<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2003 | 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: | $6,565.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.80% | 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)? | As i said im raising my daughter by myself, so i moved back in with my parents a year ago. They are very helpful, love my daugter and we have a great relationship. I pay 200 a month to live with them, my cell phone bill is 100 a month, my daughters daycare is 160 a week, my car payment is 200, car insurance 200, and health insurance is 140 a month. I believe those are all my expences |
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. | i have a citi card with 1000 on it at 20% a citi thank u card with 1200 at 20% a discover card with 1,200 and a visa with 4800 but only at 8.5% all the cards together are a monthly payment of 320.00 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | all cards together come to 320.00 a month. i plan to pay off 3 of them with this loan and the other card is at 8% so i was gonna put some money on that but then probably take the money back out to put towards this card and whatever other bills i need to pay. so ill be paying the same montly payment only one bill instead of four and ill have 2,000 left from this loan after all cards are payed off |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | As i said im raising my daughter by myself, so i moved back in with my parents a year ago. They are very helpful, love my daugter and we have a great relationship. I pay 200 a month to live with them, my cell phone bill is 100 a month, my daughters daycare is 160 a week, my car payment is 200, car insurance 200, and health insurance is 140 a month. I believe those are all my expences |
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. | i have a citi card with 1000 on it at 20% a citi thank u card with 1200 at 20% a discover card with 1,200 and a visa with 4800 but only at 8.5% all the cards together are a monthly payment of 320.00 |
What is the total balance of your credit cards, interest rates and current monthly payments? | 1200 at 20%, 1400 at 20%, 1200 at 20%, and 4800 at 8%. my combined minimum monthly payment is 320.00. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | all cards together come to 320.00 a month. i plan to pay off 3 of them with this loan and the other card is at 8% so i was gonna put some money on that but then probably take the money back out to put towards this card and whatever other bills i need to pay. so ill be paying the same montly payment only one bill instead of four and ill have 2,000 left from this loan after all cards are payed off |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | paying off 4 credit cards so this will be my only loan and will have 2000 dollars left to use for whatever bills, payments, neccesities i come across. |
Member Payment Dependent Notes Series 1416139
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416139 |
$5,000 |
$5,000 |
10.16% |
1.00% |
July 18, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416139. Member loan 1416139 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $4,709 / month |
Current employer: | United States Postal Service | Debt-to-income ratio: | 12.25% |
Length of employment: | 10+ years | Location: | Costa Mesa, CA |
Home town: | |||
Current & past employers: | United States Postal Service | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > I currently have to credit cards with interest rates of19.99%. I would like to get these paid off however every time I make a payment seems most of it goes to the interest and NOT the principal! So frustrating! I am hoping I will get further out of debt by paying less interest.<br><br> Borrower added on 07/11/12 > I have 2 credit cards with interest rates of 19.99% Every time I make a payment seems most of it goes to the interest and not the principal. Frustrating! I am hopeing this will get me further to my goal of getting out of debt.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 15 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,899.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 33.90% | 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)? | Rent $555.00, Car insurance $95.00 Phone $75.00 Gasoline $65.00 Food $350.00<br>Electric 70.00. |
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. | Master Card #1 and Master Card #2 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | $660.00 It will be aprroximately the same each month however one of my current loans will payed off in another 6 months (yeah!) and an additional one will be gone in 9 months (yeah!) |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $555.00, Car insurance $95.00 Phone $75.00 Gasoline $65.00 Food $350.00<br>Electric 70.00. |
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. | Master Card #1 and Master Card #2 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $555.00, Car insurance $95.00 Phone $75.00 Gasoline $65.00 Food $350.00<br>Electric 70.00. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $555.00, Car insurance $95.00 Phone $75.00 Gasoline $65.00 Food $350.00<br>Electric 70.00. |
Member Payment Dependent Notes Series 1416156
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416156 |
$8,700 |
$8,700 |
17.77% |
1.00% |
July 23, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416156. Member loan 1416156 was requested on July 12, 2012 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: | Bill Haddox Insurance | Debt-to-income ratio: | 23.11% |
Length of employment: | 10+ years | Location: | Robinson, TX |
Home town: | |||
Current & past employers: | Bill Haddox Insurance | ||
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 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $41,665.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 94.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | About $4200-$4300. This includes my mortgage, utilities, groceries, spending money etc. I have a company car and all expenses for that are paid by my employer. My cell phone and internet at my home are also paid by my employer. |
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 approximate balance $10000 - some of this balance is from business expenses that will be paid by employer. Other balances I am not requesting loans for becasue the current interest rates are lower than what I was offered through Lending Club. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Not sure what figure you want in the payoff. Total minimum payments are about $600/month plus the $313 on this loan would be around $900. |
Please explain the reason why you carry a large revolving credit balance. | Ive tried twice to answer this but it is rejected. I dont know how to answer this within the allowable guidelines. I am sorry! |
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 approximate balance $10000 - some of this balance is from business expenses that will be paid by employer. Other balances I am not requesting loans for becasue the current interest rates are lower than what I was offered through Lending Club. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Not sure what figure you want in the payoff. Total minimum payments are about $600/month plus the $313 on this loan would be around $900. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | About $4200-$4300. This includes my mortgage, utilities, groceries, spending money etc. I have a company car and all expenses for that are paid by my employer. My cell phone and internet at my home are also paid by my employer. |
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 approximate balance $10000 - some of this balance is from business expenses that will be paid by employer. Other balances I am not requesting loans for becasue the current interest rates are lower than what I was offered through Lending Club. |
Member Payment Dependent Notes Series 1416202
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416202 |
$24,000 |
$24,000 |
21.00% |
1.00% |
July 19, 2012 |
July 25, 2017 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416202. Member loan 1416202 was requested on July 11, 2012 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: | FBI | Debt-to-income ratio: | 17.73% |
Length of employment: | 8 years | Location: | Bridgeville, PA |
Home town: | |||
Current & past employers: | FBI | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > This loan is to consolidate debt. All my finances are in good order with no late payments on any accounts. I own my home and am employed full time.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 52 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $13,357.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 67.50% | 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? | This is not a multipurpose loan. We are paying off 10 accounts that have higher interest rates than the offered loan. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. <br>Credit Card - 10 cards, avg $2000 per card, avg APR 22%, monthly payments total $850 |
Please explain the reason why you carry a large revolving credit balance. | Credit card debt accrued during latest move. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. <br>Credit Card - 10 cards, avg $2000 per card, avg APR 22%, monthly payments total $850 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. <br>Credit Card - 10 cards, avg $2000 per card, avg APR 22%, monthly payments total $850 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. <br>Credit Card - 10 cards, avg $2000 per card, avg APR 22%, monthly payments total $850 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. <br>Credit Card - 10 cards, avg $2000 per card, avg APR 22%, monthly payments total $850 |
Which debts do you plan to pay off with this loan? | Credit Card - 10 cards, avg $2000 per card, avg APR 22%, monthly payments total $850 |
What is your intended use for the loan proceeds? | To pay of ten credit cards with high interest rates. This loan will be repaid prior to the 5 year term. |
Please explain the reason why you carry a large revolving credit balance. | Credit card debt accrued during latest move. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. <br>Credit Card - 10 cards, avg $2000 per card, avg APR 22%, monthly payments total $850 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | This is not a multipurpose loan. We are paying off 10 accounts that have higher interest rates than the offered loan. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. <br>Credit Card - 10 cards, avg $2000 per card, avg APR 22%, monthly payments total $850 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage - $2615, Utilities (Gas, Water, Elec) - $350, Phone, Internet, Cell - $300, Insurance - $110, Gas - $50, Food - $200. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. <br>Credit Card - 10 cards, avg $2000 per card, avg APR 22%, monthly payments total $850 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | This is not a multipurpose loan. We are paying off 10 accounts that have higher interest rates than the offered loan. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage - $2615, Utilities (Gas, Water, Elec) - $350, Phone, Internet, Cell - $300, Insurance - $110, Gas - $50, Food - $200. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. <br>Credit Card - 10 cards, avg $2000 per card, avg APR 22%, monthly payments total $850 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. <br>Credit Card - 10 cards, avg $2000 per card, avg APR 22%, monthly payments total $850 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | This is not a multipurpose loan. We are paying off 10 accounts that have higher interest rates than the offered loan. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage - $2615, Utilities (Gas, Water, Elec) - $350, Phone, Internet, Cell - $300, Insurance - $110, Gas - $50, Food - $200. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. |
Please explain the reason why you carry a large revolving credit balance. | Credit card debt accrued during latest move. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage - $2615, Utilities (Gas, Water, Elec) - $350, Phone, Internet, Cell - $300, Insurance - $110, Gas - $50, Food - $200. |
Please explain the reason why you carry a large revolving credit balance. | Credit card debt accrued during latest move. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage - $2615, Utilities (Gas, Water, Elec) - $350, Phone, Internet, Cell - $300, Insurance - $110, Gas - $50, Food - $200. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | House - $2650, Utilities - $700, Auto Ins - $100, personal loan - $450, all per month. <br>Credit Card - 10 cards, avg $2000 per card, avg APR 22%, monthly payments total $850 |
Member Payment Dependent Notes Series 1416313
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416313 |
$20,000 |
$20,000 |
17.27% |
1.00% |
July 19, 2012 |
July 25, 2017 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416313. Member loan 1416313 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $6,328 / month |
Current employer: | GT Advanced Technologies | Debt-to-income ratio: | 17.27% |
Length of employment: | < 1 year | Location: | Bedford, NH |
Home town: | |||
Current & past employers: | GT Advanced Technologies | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > Please help! We had large car repairs, one unexpected expense after another and with the price of gas, we are barely making the minimum payments on credit cards. We'll never pay them off. I don't want to declare bankruptcy. Thank you for your help.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 77 |
Revolving Credit Balance: | $7,599.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 41.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1416343
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416343 |
$2,000 |
$2,000 |
10.16% |
1.00% |
July 19, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416343. Member loan 1416343 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $8,917 / month |
Current employer: | Williams | Debt-to-income ratio: | 12.28% |
Length of employment: | 10+ years | Location: | SAND SPRINGS, OK |
Home town: | |||
Current & past employers: | Williams | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > Septic Tank<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1995 | 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: | $30,015.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1416362
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416362 |
$9,600 |
$9,600 |
14.33% |
1.00% |
July 19, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416362. Member loan 1416362 was requested on July 11, 2012 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: | The Moore Law Group | Debt-to-income ratio: | 30.78% |
Length of employment: | 2 years | Location: | SANTA ANA, CA |
Home town: | |||
Current & past employers: | The Moore Law Group | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > This is to make the credit card companies less. Save me money and make you money. I would rather pay my bills and let my peers make money while I save money! Thanks again!<br><br> Borrower added on 07/12/12 > The payment with those loan is lower and cheaper interest rate to allow me to save while only having to make one payment.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1985 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $37,376.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.40% | 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 $800. My share of all utilities gas/water/electric/tv is $100. Car insurance and phone paid by work. No car payment. Food is about $200. Let me know if any others I left out |
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 3500 balance. 18.99%$70<br>Visa $1900. 23.99% $39<br>Visa. $3000. 18.99% $35<br>MasterCard 700. 18.99% $25 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | $500all cards. <br>Paying off others. Replacing with this payment will $450 |
Member Payment Dependent Notes Series 1416374
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416374 |
$18,000 |
$18,000 |
12.12% |
1.00% |
July 19, 2012 |
July 25, 2017 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416374. Member loan 1416374 was requested on July 11, 2012 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: | CCH Small Firm Services | Debt-to-income ratio: | 18.48% |
Length of employment: | 10+ years | Location: | Acworth, GA |
Home town: | |||
Current & past employers: | CCH Small Firm Services | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > To pay off higher interest rate credit cards and reduce monthy payments by more than $200 a month and only have to make 1 payment to Lending Club than 3 payments to Credit Card companies!<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $40,401.00 | 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 current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I own 2 properties. One investment (rental) and primary. I owe 30k on the rental and 110K on the primary. I pay 641+ on the primary at 4.25% amd 460+ on the rental which pays for it self. I have cards that I am consolidating with this loan so as to pay them off. Generally run around 13%. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I pay 641+ a month for mortgage as well as pay down on the principal. I have adoption and rental income which averages around 2.5k a month to pay for living expenses. |
Please explain the reason why you carry a large revolving credit balance. | I had some unexpected bills this year which ran the cards up hence the purpose of the loan. I generally pay my cards off with my tax refund which averages around 7k a year. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I own 2 properties. One investment (rental) and primary. I owe 30k on the rental and 110K on the primary. I pay 641+ on the primary at 4.25% amd 460+ on the rental which pays for it self. I have cards that I am consolidating with this loan so as to pay them off. Generally run around 13%. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I pay 641+ a month for mortgage as well as pay down on the principal. I have adoption and rental income which averages around 2.5k a month to pay for living expenses. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I own 2 properties. One investment (rental) and primary. I owe 30k on the rental and 110K on the primary. I pay 641+ on the primary at 4.25% amd 460+ on the rental which pays for it self. I have cards that I am consolidating with this loan so as to pay them off. Generally run around 13%. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I pay 641+ a month for mortgage as well as pay down on the principal. I have adoption and rental income which averages around 2.5k a month to pay for living expenses. |
Please explain the reason why you carry a large revolving credit balance. | I had some unexpected bills this year which ran the cards up hence the purpose of the loan. I generally pay my cards off with my tax refund which averages around 7k a year. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I own 2 properties. One investment (rental) and primary. I owe 30k on the rental and 110K on the primary. I pay 641+ on the primary at 4.25% amd 460+ on the rental which pays for it self. I have cards that I am consolidating with this loan so as to pay them off. Generally run around 13%. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I own 2 properties. One investment (rental) and primary. I owe 30k on the rental and 110K on the primary. I pay 641+ on the primary at 4.25% amd 460+ on the rental which pays for it self. I have cards that I am consolidating with this loan so as to pay them off. Generally run around 13%. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I own 2 properties. One investment (rental) and primary. I owe 30k on the rental and 110K on the primary. I pay 641+ on the primary at 4.25% amd 460+ on the rental which pays for it self. I have cards that I am consolidating with this loan so as to pay them off. Generally run around 13%. |
Member Payment Dependent Notes Series 1416572
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416572 |
$32,400 |
$32,400 |
20.49% |
1.00% |
July 19, 2012 |
July 25, 2017 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416572. Member loan 1416572 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,417 / month |
Current employer: | Chase | Debt-to-income ratio: | 10.97% |
Length of employment: | 10+ years | Location: | WILMINGTON, DE |
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 July 11, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1991 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 38 |
Revolving Credit Balance: | $27,189.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1416607
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416607 |
$4,025 |
$4,025 |
11.14% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416607. Member loan 1416607 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $1,467 / month |
Current employer: | n/a | Debt-to-income ratio: | 21.75% |
Length of employment: | n/a | Location: | VERO 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 07/15/12 > My loan purpose is to assist in raising my credit credit score just 7%!<br>From 688 to 735+. Since my 8+ yr. credit record is 100% "paid as agreed", this loan alone ... should (within 60 days) raise my score to 700+. Thanks for your support.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2004 | 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: | $10,065.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.10% | 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)? | I own. 10 yrs. remains on my Mtg. pymt. $240; tel. is thru Vonage $17 mo.; Electric bill average is $50; ZERO transportation costs; Annual Homeowners Ins. $450; Organic food is my avocation. Food & Pantry<br>expense is $225. |
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. | 4 Cards: 1-MC $1,250 bal., 17.90% int. + $99 annual fee, min. pymt. $41, I pay $65; 2-Visa $950 bal.,<br>22.99% int., min. pymt. $40, I pay $65; 3-Store Card $1,000 bal., 25.99% int., min. pymt. $50, I pay $75;<br>4-MC $600 bal., 23.0% int., min. pymt. $25, I pay $45.<br>So ... the Lending Club program, if funded, IS very meaningful!<br>Thank you for asking. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Deployment of the L.C. loan proceeds will reduce my min. monthly pymts. by $231 ... minus (-) the new<br>L.C. loan pymt., provides a NET monthly reduction of $100.<br>Significantly, the resulting "credit score" increases, will create numerous other advantages!<br>Your question is very much appreciated. |
Member Payment Dependent Notes Series 1416695
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416695 |
$7,500 |
$7,500 |
18.49% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416695. Member loan 1416695 was requested on July 11, 2012 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: | American Youth Soccer Organization | Debt-to-income ratio: | 11.02% |
Length of employment: | 4 years | Location: | REDONDO BEACH, CA |
Home town: | |||
Current & past employers: | American Youth Soccer Organization | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > I was unemployed for 2006-2008, and I've just been trying to get back on my feet every since. Unfortunately, because that my credit isn't the best. And, since most companies only look at the credit score and not the full picture - its been hard. I just want to be free of my credit card debt!<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | 39 |
Revolving Credit Balance: | $7,949.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 80.30% | 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 |
If you have a public record on file, please briefly explain the event and its resolution. | I moved into a house, and I took over someone's lease. We had a bit of a disagreement on how much I owed her for the security deposit, first and last month's rent. I tried to work it out with her, but she insisted on going to court, which settled the case for the same amount I offered to pay her. I paid off the settlement in full. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses are approximately $1000 a month. |
If you have a public record on file, please briefly explain the event and its resolution. | I moved into a house, and I took over someone's lease. We had a bit of a disagreement on how much I owed her for the security deposit, first and last month's rent. I tried to work it out with her, but she insisted on going to court, which settled the case for the same amount I offered to pay her. I paid off the settlement in full. |
If you have a public record on file, please briefly explain the event and its resolution. | I moved into a house, and I took over someone's lease. We had a bit of a disagreement on how much I owed her for the security deposit, first and last month's rent. I tried to work it out with her, but she insisted on going to court, which settled the case for the same amount I offered to pay her. I paid off the settlement in full. |
Member Payment Dependent Notes Series 1416768
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416768 |
$13,200 |
$13,200 |
18.49% |
1.00% |
July 19, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416768. Member loan 1416768 was requested on July 11, 2012 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: | Bombardier Learjet | Debt-to-income ratio: | 9.20% |
Length of employment: | < 1 year | Location: | wichita, KS |
Home town: | |||
Current & past employers: | Bombardier Learjet | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > Looking to consolidate higher interest credit cards with one payment and a final end date.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 36 | Months Since Last Delinquency: | 11 |
Revolving Credit Balance: | $10,036.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 67.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortage 1400, utiliies 400, insurance 100, phone 150, trans 50, food 300 |
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 8,000-rate 22%, min pay 100, Mastercard 750-rate 22%, min pay 25, Discover 1000-rate 19%, min pay 30, Visa 1000-rate 24%, min pay 60, Mastercard 1200 rate 21%, min pay 60, Mastercard 400-rate 20%, min pay 25. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | answered in the first question |
Member Payment Dependent Notes Series 1416862
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416862 |
$13,150 |
$13,150 |
18.75% |
1.00% |
July 24, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416862. Member loan 1416862 was requested on July 12, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,542 / month |
Current employer: | Los Angeles County Fire Department | Debt-to-income ratio: | 30.24% |
Length of employment: | 10+ years | Location: | BALDWIN PARK, CA |
Home town: | |||
Current & past employers: | Los Angeles County Fire Department | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > Combine some debt and have some extra money to take a well deserve, and needed vacation with my children.<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | 53 |
Revolving Credit Balance: | $7,237.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.90% | 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)? | Rent $400 includes utilites,<br>Transportation $240<br>Phone $150<br>Groceries $250 |
Please provide additional details regarding the purpose of the loan. | This loan will be use to consolidate credit cards, debt, and loans. It will also be used to take a vacation with my children. |
Please explain the reason why you carry a large revolving credit balance. | Helped out parents from time to time, paid off burial expense for granfather. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $400 includes utilites,<br>Transportation $240<br>Phone $150<br>Groceries $250 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I would pay off Macys, Target, Jcpenny, Citi Visa, Visa, and the rest use to take a vacation with my children. Rather than having several accounts open I would only make one payment and be able to pay it off in three years. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I would pay off Macys, Target, Jcpenny, Citi Visa, Visa, and the rest use to take a vacation with my children. Rather than having several accounts open I would only make one payment and be able to pay it off in three years. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $400 includes utilites,<br>Transportation $240<br>Phone $150<br>Groceries $250 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Rent $400 includes utilities, Car $525, <br>All of my other credit cards and loans would pay consolidated they add up to $492<br>Phone $150 |
If you have a delinquency in the last 2 years, please explain the reason. | I haven't had a delinquency - Not that I remember.<br>Maybe the magazine Highlights, kids keep on getting mail thinking it was for them, however it was paid in full, with interest and an apology. |
Member Payment Dependent Notes Series 1416924
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416924 |
$20,000 |
$20,000 |
13.11% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416924. Member loan 1416924 was requested on July 11, 2012 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: | Baptist Health | Debt-to-income ratio: | 14.94% |
Length of employment: | 10+ years | Location: | SHERIDAN, AR |
Home town: | |||
Current & past employers: | Baptist 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 July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1992 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 44 |
Revolving Credit Balance: | $13,751.00 | 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)? | 3 visa cards totalling 14000. I plan to pay these off. A car loan that will be paid off May 2013 |
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. | I went through a divorce several years ago and supported 2 households along with attorney costs. Once these are paid I plan to discontinue them. My new wife has a higher salary than me and things are good. We want our debt paid and plan to purchase a home in 3 years |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - 500<br>Utilities - 130<br>Prone - 150<br>Insurance - 85 |
If you have a delinquency in the last 2 years, please explain the reason. | None |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - 500<br>Utilities - 130<br>Prone - 150<br>Insurance - 85 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - 500<br>Utilities - 130<br>Prone - 150<br>Insurance - 85 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Totals around 750 |
Member Payment Dependent Notes Series 1416975
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1416975 |
$8,400 |
$8,400 |
16.29% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1416975. Member loan 1416975 was requested on July 11, 2012 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: | Continuity Logic, LLC | Debt-to-income ratio: | 8.40% |
Length of employment: | 2 years | Location: | Richmond, VA |
Home town: | |||
Current & past employers: | Continuity Logic, 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 July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 39 |
Revolving Credit Balance: | $16,851.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1417038
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417038 |
$12,000 |
$12,000 |
10.16% |
1.00% |
July 19, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417038. Member loan 1417038 was requested on July 11, 2012 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: | kaleida health..General Medical Buffalo | Debt-to-income ratio: | 13.93% |
Length of employment: | 10+ years | Location: | buffalo, NY |
Home town: | |||
Current & past employers: | kaleida health..General Medical Buffalo | ||
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 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1983 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $17,082.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | taxes:6,000/yr insurance(all) 792/mth Sorry this took a few days, I was working <br>water: 30/mth church: 150/mth two 13hr shifts<br>verizon bundle: 170/mth gas for vehicles 400/mth <br>electric: 120/mth food: 500/mth <br>gas: 90/mth loans for childrens schooling: 900/mth |
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 cards 9,300 balance 12.9 to 29.99 intrest min payment 330...I have tried to post many diff ways,, I'll try this |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I do not know what pay-off is. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | taxes:6,000/yr insurance(all) 792/mth Sorry this took a few days, I was working <br>water: 30/mth church: 150/mth two 13hr shifts<br>verizon bundle: 170/mth gas for vehicles 400/mth <br>electric: 120/mth food: 500/mth <br>gas: 90/mth loans for childrens schooling: 900/mth |
Please explain the reason why you carry a large revolving credit balance. | I had a back injury early in my career and was out of work for a year. I had been approved for SSD, but really did not want that for the remainder of my career. After back surgery, accupuncture and chiropactic I was able to return to work, full time to a profession I love..Nursing. |
Please explain the reason why you carry a large revolving credit balance. | I had a back injury early in my career and was out of work for a year. I had been approved for SSD, but really did not want that for the remainder of my career. After back surgery, accupuncture and chiropactic I was able to return to work, full time to a profession I love..Nursing. |
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 cards 9,300 balance 12.9 to 29.99 intrest min payment 330...I have tried to post many diff ways,, I'll try this |
What is the total balance of your credit cards, interest rates and current monthly payments? | Will not let me submit. I am sorry. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I will only be using for credit card consolidation |
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: we have paid for our house<br>taxes: 500<br>insurance: 70<br>home equity: 120<br>gas: 100<br>phone bundle: 170<br>water: 30<br>electric: 100 |
What is the total balance of your credit cards, interest rates and current monthly payments? | Will not let me submit. I am sorry. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | taxes:6,000/yr insurance(all) 792/mth Sorry this took a few days, I was working <br>water: 30/mth church: 150/mth two 13hr shifts<br>verizon bundle: 170/mth gas for vehicles 400/mth <br>electric: 120/mth food: 500/mth <br>gas: 90/mth loans for childrens schooling: 900/mth |
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: we have paid for our house<br>taxes: 500<br>insurance: 70<br>home equity: 120<br>gas: 100<br>phone bundle: 170<br>water: 30<br>electric: 100 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I do not know what pay-off is. |
Member Payment Dependent Notes Series 1417142
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417142 |
$6,800 |
$6,800 |
21.00% |
1.00% |
July 24, 2012 |
July 31, 2015 |
July 31, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417142. Member loan 1417142 was requested on July 17, 2012 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: | Wentworth Institute of Technology | Debt-to-income ratio: | 9.02% |
Length of employment: | 10+ years | Location: | NEWTON, MA |
Home town: | |||
Current & past employers: | Wentworth Institute of Technology | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/18/12 > This is a credit card refinance loan. I have a good job, and I am trying to pay down debt quicker than I have been able to through this loan. In addition, I have a solid credit history with all on time payments.<br>
A credit bureau reported the following information about this borrower member on July 17, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | 39 |
Revolving Credit Balance: | $6,857.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 95.20% | 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 total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | The total minimum payments for credit cards during a month would be about 240 dollars. This loan would be equal to those payments, but obviously the credit card monthly ones would disappear. |
What is the total balance of your credit cards, interest rates and current monthly payments? | The total balance of my credit cards is the amount I am seeking for the loan (about 6400). I make monthly payments and have not been late on them. Those payments total about 225 dollars monthly. I have a very good job and I have been solid with my credit history. What keeps my credit in the 670 range is the credit card balance. The interest rates on the three cards I have vary from 16 to 25 percent. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: 700, Transportation: 200, Phone: 100, Utilities: 100, Food: 225 |
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: 2500 (Monthly min: 70)<br>MasterCard: 3300 (Monthly min: 125)<br>Chase Visa: 500 (Monthly min: 50) |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | The total minimum payments for credit cards during a month would be about 240 dollars. This loan would be equal to those payments, but obviously the credit card monthly ones would disappear. |
Member Payment Dependent Notes Series 1417227
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417227 |
$16,375 |
$16,375 |
18.49% |
1.00% |
July 24, 2012 |
July 25, 2017 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417227. Member loan 1417227 was requested on July 11, 2012 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: | Gryphex | Debt-to-income ratio: | 17.70% |
Length of employment: | 3 years | Location: | Acworth, GA |
Home town: | |||
Current & past employers: | Gryphex | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > I'd like to repair my daughter's bathroom as well as payoff some credit card debt. The debt totals around $7000 on 2 cards 17.24% and 19.99%. I am able to make the payments comfortably but would prefer to get them paid off immediately.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | 36 |
Revolving Credit Balance: | $8,450.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 50.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1417277
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417277 |
$13,500 |
$13,500 |
10.16% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417277. Member loan 1417277 was requested on July 11, 2012 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: | miami dade county public schools | Debt-to-income ratio: | 1.11% |
Length of employment: | 10+ years | Location: | miami, FL |
Home town: | |||
Current & past employers: | miami dade 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 11, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 31 | Months Since Last Delinquency: | 22 |
Revolving Credit Balance: | $5,028.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 12.90% | 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 monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | My total monthly expenses which includes estimated gas, food, and $400.00 as miscellaneous expense amounts to $3200.00. |
What is your intended use for the loan proceeds? | I'm in agreement with a seller of a bayliner 28ft center console for $13,000.00. We have an agreement for this price which is at least 50% of It's value. He is struggling financially which gives me an opportunity for a sound investment. |
Please provide additional details regarding the purpose of the loan. | As I previously stated before, I have an opportunity to purchase a boat from a seller who is in financial distress. The vessel is being sold to me at half its value. |
If you have a delinquency in the last 2 years, please explain the reason. | No, I believe I have one late payment for a 2006 Eclipse that I co-signed for my daughter. The car has since been paid in full. |
Member Payment Dependent Notes Series 1417347
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417347 |
$5,000 |
$5,000 |
14.09% |
1.00% |
July 18, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417347. Member loan 1417347 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,879 / month |
Current employer: | University Of Chicago Medicine | Debt-to-income ratio: | 21.32% |
Length of employment: | 10+ years | Location: | Woodridge, IL |
Home town: | |||
Current & past employers: | University Of Chicago Medicine | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > I have these credit card balances that I want paid off to raise my credit score. I plan on getting a mortgage. I'd rather have this loan rather than credit card balances. I just don't like having credit card debt.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | 61 |
Revolving Credit Balance: | $4,811.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 50.60% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I don't have a delinquency in I believe within 5 years. Thanks to all who funded me. |
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. | MC balance is 1771.11, minimum payment is $52, APR is 22.9%<br>VISA balance is 2482.40, minimum payment is $72, APR is 22.9%<br>MC balance is 556.30, minimum payment is $25, APR is 24.99% |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | MC balance is 1771.11, minimum payment is $52, APR is 22.9%<br>VISA balance is 2482.40, minimum payment is $72, APR is 22.9%<br>MC balance is 556.30, minimum payment is $25, APR is 24.99% |
What is the total balance of your credit cards, interest rates and current monthly payments? | MC balance is 1771.11, minimum payment is $52, APR is 22.9%<br>VISA balance is 2482.40, minimum payment is $72, APR is 22.9%<br>MC balance is 556.30, minimum payment is $25, APR is 24.99% |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquencies in over 5 years. |
Member Payment Dependent Notes Series 1417464
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417464 |
$10,000 |
$10,000 |
15.31% |
1.00% |
July 20, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417464. Member loan 1417464 was requested on July 12, 2012 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: | Natomas Unified School District | Debt-to-income ratio: | 22.17% |
Length of employment: | 10+ years | Location: | SACRAMENTO, CA |
Home town: | |||
Current & past employers: | Natomas Unified School District | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > Debt Consolidation so i can be better prepared to buy a house soon.<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 20 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 47 | Months Since Last Delinquency: | 18 |
Revolving Credit Balance: | $18,058.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.10% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | no rent, phone;$100, insurance:$100,,,trans:$150 food:$400 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | my total monthly credit card payments total $1500 |
Please explain the reason why you carry a large revolving credit balance. | I went back to school to earn my Master's Degree plus units to get to the top of the pay scale. It took my a total of 4 years and just recently finished. |
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 pay rent as i live and take care of my 87 year old mother. My monthly expenses are about $1500. I spent the last four years going back to school to earm my Master's Degree plus units to get to top of pay scale. I am now anxious to pay off bills and get ready to buy a house. |
Member Payment Dependent Notes Series 1417494
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417494 |
$15,000 |
$15,000 |
15.31% |
1.00% |
July 23, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417494. Member loan 1417494 was requested on July 11, 2012 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: | Harney Rock and Paving | Debt-to-income ratio: | 21.03% |
Length of employment: | 10+ years | Location: | HAINES, OR |
Home town: | |||
Current & past employers: | Harney Rock and Paving | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > To payoff high interest debt, and get down to one monthly payment.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2005 | 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: | $10,629.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.80% | 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)? | Current expenses are between 1000 and 1500 a month |
Please explain the reason why you carry a large revolving credit balance. | Trying to cut down on the balance and have one payment |
Which debts do you plan to pay off with this loan? | Credit cards and a very high interest loan |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 3500 loan with a 33.95% interest rate,credit cards with varying interest rates, monthly payments are around 850 for all |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 3500 loan with a 33.95% interest rate,credit cards with varying interest rates, monthly payments are around 850 for all |
Which debts do you plan to pay off with this loan? | Credit cards and a very high interest loan |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | 3500 loan with a 33.95% interest rate,credit cards with varying interest rates, monthly payments are around 850 for all |
Member Payment Dependent Notes Series 1417554
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417554 |
$12,000 |
$12,000 |
17.77% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417554. Member loan 1417554 was requested on July 11, 2012 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: | Tijuana Flats | Debt-to-income ratio: | 14.95% |
Length of employment: | 8 years | Location: | PINELLAS PARK, FL |
Home town: | |||
Current & past employers: | Tijuana Flats | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > I am just trying to consolidate my date so I can better manage my money to create a better future for my son.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $6,768.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.80% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent 1000.00, car 455.00, utilities 240.00, phone 100.00, insurance 100.00, food and gas 550.00 |
Which debts do you plan to pay off with this loan? | personal loan of 8000.00, credit card of 2800, credit card of 1200.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | loan 22.5% amount of 8000.00 payment of 225, credit card 2800.00 interest 24% payment 80.00, crdit card 1200, interest 28% payment 50.00, truck payment balance 14,000 interest 8.25% payment 455.00 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | personal loan of 8000.00, credit card of 2800, and credit card of 1200.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | loan 22.5% amount of 8000.00 payment of 225, credit card 2800.00 interest 24% payment 80.00, crdit card 1200, interest 28% payment 50.00, truck payment balance 14,000 interest 8.25% payment 455.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | loan 22.5% amount of 8000.00 payment of 225, credit card 2800.00 interest 24% payment 80.00, crdit card 1200, interest 28% payment 50.00, truck payment balance 14,000 interest 8.25% payment 455.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | rent 1000.00, car 455.00, utilities 240.00, phone 100.00, insurance 100.00, food and gas 550.00 |
Member Payment Dependent Notes Series 1417575
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417575 |
$10,000 |
$10,000 |
18.49% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417575. Member loan 1417575 was requested on July 11, 2012 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: | Prime-Line Products | Debt-to-income ratio: | 9.93% |
Length of employment: | < 1 year | Location: | Temecula, CA |
Home town: | |||
Current & past employers: | Prime-Line 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 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 17 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 37 | Months Since Last Delinquency: | 24 |
Revolving Credit Balance: | $17,684.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 73.90% | 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)? | On average all bills for entire family run $5,000 |
Please explain the reason why you carry a large revolving credit balance. | Do to a job loss from a key family member, we had to live off credit cards until new job was obtained |
Which debts do you plan to pay off with this loan? | Revolving credit cards that we used while my husband was out of work. Now that he is working again, we want to consolidate and pay off bills |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | All debt balances are credit card - with varying interest rates. Looking to consolidate and pay off. My husband was out of work for 2 years. We had to use our credit cards more than we wanted to to continue to survive. Now that he is working again - we want to consolidate and pay off those bills. |
Member Payment Dependent Notes Series 1417580
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417580 |
$4,000 |
$4,000 |
8.90% |
1.00% |
July 19, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417580. Member loan 1417580 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,491 / month |
Current employer: | Bakersfield Heart Hospital | Debt-to-income ratio: | 29.91% |
Length of employment: | 8 years | Location: | Bakersfield, CA |
Home town: | |||
Current & past employers: | Bakersfield Heart Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > My goal is to become credit card debt free within the next 5 years. By receiving loan with lower interest will help accomplish this goal.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 714-749 | 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: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $11,836.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 57.70% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1417643
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417643 |
$10,000 |
$10,000 |
15.31% |
1.00% |
July 18, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417643. Member loan 1417643 was requested on July 11, 2012 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: | JPMorgan Chase Bank | Debt-to-income ratio: | 15.79% |
Length of employment: | 7 years | Location: | JAMAICA, NY |
Home town: | |||
Current & past employers: | JPMorgan Chase Bank | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > Currently $10,000 dollars in total debt consisting of credit cards only, and seeking to consolidate my total debt through Lending Club.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2002 | 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: | $9,838.00 | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Monthly expenses are about $2000 dollars a month. This includes credit card payments of $300 with interest rates ranging from 12%-18% APR, rent of $800, car note of $350, and groceries, utilities, and miscallaneous of $500 dollars. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total monthly debt is about $2000 dollars,...this includes credit card payments of $300 dollars with interest rates ranging from 12%-18% APR, rent of $800 dollars, car note of $350 dollars and utilities, groceries and miscallaneous of about $500 dollars. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Monthly expenses are about $2000 dollars a month. This includes credit card payments of $300 with interest rates ranging from 12%-18% APR, rent of $800, car note of $350, and groceries, utilities, and miscallaneous of $500 dollars. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total monthly debt is about $2000 dollars,...this includes credit card payments of $300 dollars with interest rates ranging from 12%-18% APR, rent of $800 dollars, car note of $350 dollars and utilities, groceries and miscallaneous of about $500 dollars. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total monthly debt is about $2000 dollars,...this includes credit card payments of $300 dollars with interest rates ranging from 12%-18% APR, rent of $800 dollars, car note of $350 dollars and utilities, groceries and miscallaneous of about $500 dollars. |
Please explain the reason why you carry a large revolving credit balance. | I make about 55k per year, but recently got stretched a little thin financially due to a recent family crisis, causing me to run into credit card debts of about 10,000 dollars. Total monthly debt is about $2000 dollars,...this includes credit card payments of $300 dollars interest rates ranging from 12%-18% APR, RENT OF $800 dollars, car not of $350 dollars and utilities, groceries and miscallaneous of about $500 dollars. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Monthly expenses are about $2000 dollars a month. This includes credit card payments of $300 with interest rates ranging from 12%-18% APR, rent of $800, car note of $350, and groceries, utilities, and miscallaneous of $500 dollars. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Total monthly debt is about $2000 dollars,...this includes credit card payments of $300 dollars with interest rates ranging from 12%-18% APR, rent of $800 dollars, car note of $350 dollars and utilities, groceries and miscallaneous of about $500 dollars. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Monthly expenses are about $2000 dollars a month. This includes credit card payments of $300 with interest rates ranging from 12%-18% APR, rent of $800, car note of $350, and groceries, utilities, and miscallaneous of $500 dollars. |
Member Payment Dependent Notes Series 1417734
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417734 |
$11,750 |
$11,750 |
14.09% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417734. Member loan 1417734 was requested on July 11, 2012 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: | United States Patent & Trademark Office | Debt-to-income ratio: | 22.16% |
Length of employment: | 8 years | Location: | Plymouth, MI |
Home town: | |||
Current & past employers: | United States Patent & Trademark Office | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > Hello. I am asking for help to pay off my bank credit card which is at a much higher rate.<br><br> Borrower added on 07/12/12 > Hello. I am asking for help to pay off my bank credit card which is at a much higher rate. I would gladly do a much shorter time period too if possible.<br><br> Borrower added on 07/12/12 > I am getting some questions about my financial status. This is my only card. It is actually a debit card. I just wanted to see if I can pay it off. Psychologically it is easier with a payment plan than looking at slowly decreasing 10,000 bill every month. I have a solid job. Repayment is guaranteed.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 46 | Months Since Last Delinquency: | 3 |
Revolving Credit Balance: | $6,969.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.70% | 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 escrowed with insurance and property taxes is $980,though family stays with me and pays me $450 in rent, utilities (phone + cable + heat + gas) is about $400, Car lease is $400, though set to end in eight months. I got a loan with my bank using a CD of money I have at the bank in a CD, and I pay $1300 on that loan. Food is like $700-800/month. I would estimate monthly expenses are $3800/month, However, I have no other debt, and if this card is paid then I will be finally without credit. |
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. | I own only one card, and it is a Visa debit card. I own $10,000 on it plus upcoming interest. I used a Secured debt consolidation loan using a CD at my bank to pay off and close very other credit account i had. The rate is 26%. The minimum monthly payment is about $250. I can easily handle it, however, I wanted to get debt free. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I own only one card, and it is a debit card. I own $10,000 on it plus upcoming interest. I used a Secured debt consolidation loan using a CD at my bank to pay off and close very other credit account i had. Once this one is paid then I will close this account, an owe 0 on all credit accounts. Except I pay my mortage and lease. |
What is the total balance of your credit cards, interest rates and current monthly payments? | I own only one card, and it is a Visa debit card. I own $10,000 on it plus upcoming interest. I used a Secured debt consolidation loan using a CD at my bank to pay off and close very other credit account I had. The rate is 26%. The minimum monthly payment is about $250. I can easily handle it, however, I wanted to get debt free. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Mortgage escrowed with insurance and property taxes is $980,though family stays with me and pays me $450 in rent, utilities (phone + cable + heat + gas) is about $400, Car lease is $400, though set to end in eight months. I got a loan with my bank using a CD of money I have at the bank in a CD, and I pay $1300 on that loan. Food is like $700-800/month. I would estimate monthly expenses are $3800/month, However, I have no other debt, and if this card is paid then I will be finally without credit. |
Member Payment Dependent Notes Series 1417767
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417767 |
$14,000 |
$14,000 |
19.72% |
1.00% |
July 20, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417767. Member loan 1417767 was requested on July 11, 2012 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: | Adena Health System | Debt-to-income ratio: | 6.76% |
Length of employment: | 10+ years | Location: | Rio Grande, OH |
Home town: | |||
Current & past employers: | Adena Health System | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > PLEASE FUND MY LOAN SO I CAN CONSOLIDATE CREDIT CARDS, MEDICAL BILLS, CAR REPAIRS, HOME REMODELING EXPENSES, ETC INTO ONE PAYMENT. I WILL TREAT THIS AS MY SECOND CAR PAYMENT. LEAVING ME WITH 2 CAR PAYMENTS, MORTGAGE AND UTILITIES. THIS WILL HELP ME GREATLY. THANKS FOR YOUR TIME.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | 32 |
Revolving Credit Balance: | $1,555.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | OTHER THAN MY UTILIES, $1104 MORTGAGE, $228 CAR PAYMENT, $156 MY HUSBANDS EDUCATION LOAN. THIS CONSOLIDATION LOAN WILL BE CONSIDERED MY "SECOND CAR PAYMENT". THANK YOU. PLEASE HELP ME GET IN A BETTER FINANCIAL STATE AS I PAY OFF THIS DEBT. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | THIS LOAN WILL PAY OFF CREDIT CARDS, MEDICAL BILLS, HOME REMODELING EXPENCES, CAR REPAIRS, ETC. ALL MY DEBT WILL BE COMBINED INTO ONE PAYMENT, AND THE CURRENT ACCOUNTS WILL BE CLOSED. THANK YOU FOR CONSIDERING MY LOAN. PLEASE HELP ME TO GET TO A BETTER FINANCIAL STATE. |
Which debts do you plan to pay off with this loan? | EVERYTHING BUT MY MORTGAGE, A STUDENT LOAN AND 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)? | consolidation loan: $14000.(this one I'm applying for)<br>mortgage loan: $140000./ $1105 monthly<br>student loan: $31000./ $158. monthly<br>car loan: $6900./ $228. monthly<br>THANK YOU FOR CONSIDERING MY LOAN. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | consolidation loan: $14000.(this one I'm applying for)<br>mortgage loan: $140000./ $1105 monthly<br>student loan: $31000./ $158. monthly<br>car loan: $6900./ $228. monthly<br>THANK YOU FOR CONSIDERING MY LOAN. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | consolidation loan: $14000.(this one I'm applying for)<br>mortgage loan: $140000./ $1105 monthly<br>student loan: $31000./ $158. monthly<br>car loan: $6900./ $228. monthly<br>THANK YOU FOR CONSIDERING MY LOAN. |
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 $1105/MONTH, NO EQUITY LINE, USUAL UTILITIES, INSURANCE IS ESCROWED. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | consolidation loan: $14000.(this one I'm applying for)<br>mortgage loan: $140000./ $1105 monthly<br>student loan: $31000./ $158. monthly<br>car loan: $6900./ $228. monthly<br>THANK YOU FOR CONSIDERING MY LOAN. |
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 $1105/MONTH, NO EQUITY LINE, USUAL UTILITIES, INSURANCE IS ESCROWED. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | consolidation loan: $14000.(this one I'm applying for)<br>mortgage loan: $140000./ $1105 monthly<br>student loan: $31000./ $158. monthly<br>car loan: $6900./ $228. monthly<br>THANK YOU FOR CONSIDERING MY LOAN. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | consolidation loan: $14000.(this one I'm applying for)<br>mortgage loan: $140000./ $1105 monthly<br>student loan: $31000./ $158. monthly<br>car loan: $6900./ $228. monthly<br>THANK YOU FOR CONSIDERING MY LOAN. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | OTHER THAN MY UTILIES, $1104 MORTGAGE, $228 CAR PAYMENT, $156 MY HUSBANDS EDUCATION LOAN. THIS CONSOLIDATION LOAN WILL BE CONSIDERED MY "SECOND CAR PAYMENT". THANK YOU. PLEASE HELP ME GET IN A BETTER FINANCIAL STATE AS I PAY OFF THIS DEBT. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | OTHER THAN MY UTILIES, $1104 MORTGAGE, $228 CAR PAYMENT, $156 MY HUSBANDS EDUCATION LOAN. THIS CONSOLIDATION LOAN WILL BE CONSIDERED MY "SECOND CAR PAYMENT". THANK YOU. PLEASE HELP ME GET IN A BETTER FINANCIAL STATE AS I PAY OFF THIS DEBT. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | consolidation loan: $14000.(this one I'm applying for)<br>mortgage loan: $140000./ $1105 monthly<br>student loan: $31000./ $158. monthly<br>car loan: $6900./ $228. monthly<br>THANK YOU FOR CONSIDERING MY LOAN. |
Which debts do you plan to pay off with this loan? | EVERYTHING BUT MY MORTGAGE, A STUDENT LOAN AND A CAR PAYMENT |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | THIS LOAN WILL PAY OFF CREDIT CARDS, MEDICAL BILLS, HOME REMODELING EXPENCES, CAR REPAIRS, ETC. ALL MY DEBT WILL BE COMBINED INTO ONE PAYMENT, AND THE CURRENT ACCOUNTS WILL BE CLOSED. THANK YOU FOR CONSIDERING MY LOAN. PLEASE HELP ME TO GET TO A BETTER FINANCIAL STATE. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | OTHER THAN MY UTILIES, $1104 MORTGAGE, $228 CAR PAYMENT, $156 MY HUSBANDS EDUCATION LOAN. THIS CONSOLIDATION LOAN WILL BE CONSIDERED MY "SECOND CAR PAYMENT". THANK YOU. PLEASE HELP ME GET IN A BETTER FINANCIAL STATE AS I PAY OFF THIS DEBT. |
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 $1105/MONTH, NO EQUITY LINE, USUAL UTILITIES, INSURANCE IS ESCROWED. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | consolidation loan: $14000.(this one I'm applying for)<br>mortgage loan: $140000./ $1105 monthly<br>student loan: $31000./ $158. monthly<br>car loan: $6900./ $228. monthly<br>THANK YOU FOR CONSIDERING MY LOAN. |
Member Payment Dependent Notes Series 1417840
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417840 |
$6,075 |
$6,075 |
15.31% |
1.00% |
July 18, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417840. Member loan 1417840 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,833 / month |
Current employer: | Pitney Bowes | Debt-to-income ratio: | 26.78% |
Length of employment: | 7 years | Location: | SAN JOSE, CA |
Home town: | |||
Current & past employers: | Pitney Bowes | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > I'm applying for this loan to consolidate a few of my credit cards and to look forward to a realistic "end" date.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2000 | 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: | $12,269.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.70% | 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)? | My expenses are quit low now as I help in the care of my mother who has been ill for some years. So I don’t have rent to contend with and share in some of the food and utilities.<br>rent - $0<br>Utilities 100<br>Transportation - $20<br>Auto insurance $43<br>Cell $40<br>Home phone 30<br>Food-$150mo |
Which debts do you plan to pay off with this loan? | Orchard Bank, Merrick Bank, Chase |
Please explain the reason why you carry a large revolving credit balance. | I was careless in my purchasing decisions. I went overboard but didnâÂÂt realized it til this year.<br>I got started in real estate a few years ago. The cost of doing business was substantial to me, buying signs, membership cost, training, license, renewals, marketing etc. With the real estate market crashing and devoting so much to my career I needed to use credit for survival in the business. Looking back I do realize the mistakes IâÂÂve made. |
What is your intended use for the loan proceeds? | I intend to use this loan to gain some control back of my credit life. As I was preparing the list of credit companies I had for this application, I realized how awful the percentage rates are. I want to pay off some credit cards to get a realistic “end” to all of this. With a loan consolidation I can definitely see my way out in a short time. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My expenses are quit low now as I help in the care of my mother who has been ill for some years. So I don’t have rent to contend with and share in some of the food and utilities.<br>rent - $0<br>Utilities 100<br>Transportation - $20<br>Auto insurance $43<br>Cell $40<br>Home phone 30<br>Food-$150mo |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My expenses are quit low now as I help in the care of my mother who has been ill for some years. So I don’t have rent to contend with and share in some of the food and utilities.<br>rent - $0<br>Utilities 100<br>Transportation - $20<br>Auto insurance $43<br>Cell $40<br>Home phone 30<br>Food-$150mo |
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 are quit low now as I help in the care of my mother who has been ill for some years. So I don’t have rent to contend with and share in some of the food and utilities.<br>rent - $0<br>Utilities 100<br>Transportation - $20<br>Auto insurance $43<br>Cell $40<br>Home phone 30<br>Food-$150mo |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My expenses are quit low now as I help in the care of my mother who has been ill for some years. So I don’t have rent to contend with and share in some of the food and utilities.<br>rent - $0<br>Utilities 100<br>Transportation - $20<br>Auto insurance $43<br>Cell $40<br>Home phone 30<br>Food-$150mo |
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 are quit low now as I help in the care of my mother who has been ill for some years. So I don’t have rent to contend with and share in some of the food and utilities.<br>rent - $0<br>Utilities 100<br>Transportation - $20<br>Auto insurance $43<br>Cell $40<br>Home phone 30<br>Food-$150mo |
Which debts do you plan to pay off with this loan? | Orchard Bank, Merrick Bank, Chase |
Member Payment Dependent Notes Series 1417855
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417855 |
$12,000 |
$12,000 |
17.77% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417855. Member loan 1417855 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,250 / month |
Current employer: | WeDo Eqipment | Debt-to-income ratio: | 2.76% |
Length of employment: | 9 years | Location: | ontario, CA |
Home town: | |||
Current & past employers: | WeDo Eqipment | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > Pay off credit cards and some home improvements.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | 19 |
Revolving Credit Balance: | $6,554.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 71.70% | 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 cards -range from 9.90% - 27.99% - Owe $7900<br>mortage 2020.00 |
Which debts do you plan to pay off with this loan? | We plan to pay off all our debt. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $3521. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | $3125.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Credit cards -range from 9.90% - 27.99% - Owe $7900<br>mortage 2020.00 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Pay off credit cards...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 -range from 9.90% - 27.99% - Owe $7900<br>mortage 2020.00 |
Member Payment Dependent Notes Series 1417938
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417938 |
$24,000 |
$24,000 |
17.77% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417938. Member loan 1417938 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $5,458 / month |
Current employer: | Paper Divas Distribution llc | Debt-to-income ratio: | 21.67% |
Length of employment: | 10+ years | Location: | Riviera Beach, FL |
Home town: | |||
Current & past employers: | Paper Divas Distribution llc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > My loan will be used for a new pool!!!! Happy Family...<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1984 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 26 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 47 | Months Since Last Delinquency: | 16 |
Revolving Credit Balance: | $32,261.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 24.10% | 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 |
If you have a delinquency in the last 2 years, please explain the reason. | I do not anticipate any issues with the repayment of this loan. I have always been a very responsible person, and have never had any credit issues. I take my credit stability very serious. There is no reason to foresee any reason for delinquencies. I plan to pay this loan off in full as scheduled. |
If you have a delinquency in the last 2 years, please explain the reason. | I do not anticipate any issues with the repayment of this loan. I have always been a very responsible person, and have never had any credit issues. I take my credit stability very serious. There is no reason to foresee any reason for delinquencies. I plan to pay this loan off in full as scheduled. |
Member Payment Dependent Notes Series 1417971
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1417971 |
$3,600 |
$3,600 |
15.31% |
1.00% |
July 19, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1417971. Member loan 1417971 was requested on July 11, 2012 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: | HealthNet | Debt-to-income ratio: | 16.17% |
Length of employment: | 10+ years | Location: | CARMICHAEL, CA |
Home town: | |||
Current & past employers: | HealthNet | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > Refi a credit card with a 29% interest rate<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | 37 |
Revolving Credit Balance: | $14,346.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 48.60% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | approx 3,000 a month (rent is only 700) |
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 with balance of 3000. Interest rate is 28.99%. Min payment is 75-100 (depending on montly bal) |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Minimum is approx 350-400 a month. I do not anticipate a signifigant change by including the new loan payment, as it will more so replace the payment I would be making toward the higher interest credit card to be paid off. |
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 with balance of 3000. Interest rate is 28.99%. Min payment is 75-100 (depending on montly bal) |
If you have a delinquency in the last 2 years, please explain the reason. | Simple oversight. I have children involved in music & sports, and I work full time. My days are jam packed and I have a few payments that were made within 5 days of the due date simply forgot I had not paid the payment yet. |
Member Payment Dependent Notes Series 1418009
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1418009 |
$16,000 |
$16,000 |
14.33% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1418009. Member loan 1418009 was requested on July 11, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,883 / month |
Current employer: | Business Control Systems | Debt-to-income ratio: | 14.63% |
Length of employment: | 1 year | Location: | The Colony, TX |
Home town: | |||
Current & past employers: | Business Control 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 July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 22 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,298.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 34.40% | 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-$850.00<br>Transportation $200.00<br>Utilities $120.00<br>Phone $90.00<br>Insurance $61.00<br>Food $200.00 |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Rent-$850.00<br>Transportation $200.00<br>Utilities $120.00<br>Phone $90.00<br>Insurance $61.00<br>Food $200.00 |
If you have a delinquency in the last 2 years, please explain the reason. | No Delinquency |
If you have a public record on file, please briefly explain the event and its resolution. | Not sure I have any public records on file. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | No Mortgage<br><br>Rent-$850.00<br>Transportation $200.00<br>Utilities $120.00<br>Phone $90.00<br>Insurance $61.00<br>Food $200.00 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I'll use the loan for bill consolidation |
Please explain the reason why you carry a large revolving credit balance. | I need the loan for bill consolidation. |
Member Payment Dependent Notes Series 1418124
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1418124 |
$25,000 |
$25,000 |
16.29% |
1.00% |
July 20, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1418124. Member loan 1418124 was requested on July 11, 2012 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: | Renaissance Chicago north shore | Debt-to-income ratio: | 10.35% |
Length of employment: | 7 years | Location: | ARLINGTON HEIGHTS, IL |
Home town: | |||
Current & past employers: | Renaissance Chicago north shore | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > I want to complete paying off my high interest rate credit cards then cancel all but one card. Will pay this loan off at the sometime will have some extra money to start saving for down payment on house or condo in the future. I have a great job just paying high rates need to move forward.<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1996 | 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: | $30,532.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.40% | 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)? | Total credit card balance is around $28,000. 29.99%. Not sure what my total line of credit is, they are not maxed out just paying a lot in finance charges so hard to get ride of this old debt. Once I receive the loan I will be paying them off and just keeping one card to use for things I need a credit card for and will hopefully lower the interest rate with the bank at that point. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Monthly bills come to around $2,000 per month without my credit card payments. <br><br>Thank you for your help with a lower interest loan so I can pay off my old debt and start saving for my future. |
Member Payment Dependent Notes Series 1418283
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1418283 |
$9,600 |
$9,600 |
16.29% |
1.00% |
July 24, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1418283. Member loan 1418283 was requested on July 11, 2012 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: | Tampa General Hospital | Debt-to-income ratio: | 18.92% |
Length of employment: | 4 years | Location: | TAMPA, FL |
Home town: | |||
Current & past employers: | Tampa General Hospital | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/11/12 > this loan is for debt consolidation<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $18,824.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 66.60% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 2300 |
Which debts do you plan to pay off with this loan? | all my credit cards |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | my current balance debt is more than 6000. and my monthly payment is about $500 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 2300 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | my current balance debt is more than 6000. and my monthly payment is about $500 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | my current balance debt is more than 6000. and my monthly payment is about $500 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 2300 |
Member Payment Dependent Notes Series 1418331
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1418331 |
$14,125 |
$14,125 |
15.31% |
1.00% |
July 18, 2012 |
July 25, 2015 |
July 25, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1418331. Member loan 1418331 was requested on July 11, 2012 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: | Colorado Retina Associates | Debt-to-income ratio: | 20.90% |
Length of employment: | 3 years | Location: | DENVER, CO |
Home town: | |||
Current & past employers: | Colorado Retina Associates | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > Debt Consolidation: moving and relocating a couple years ago as well as some unexpected dental expenses brought some extra payments on board. Consolidating debt and being able to cut pay off time to 3 years is one step ahead to saving for the future!<br><br> Borrower added on 07/12/12 > Debt Consolidation: a couple of years ago I relocated upon my return from teaching English overseas. Moving coupled with unexpected dental expenses created a list of payments. To be able to consolidate credit card debt in 3 years with 1 payment is on the pathway to future savings!<br>
A credit bureau reported the following information about this borrower member on July 11, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1991 | 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: | $11,436.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1418356
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1418356 |
$5,500 |
$5,500 |
16.29% |
1.00% |
July 20, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1418356. Member loan 1418356 was requested on July 12, 2012 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: | A&S RG Inc. | Debt-to-income ratio: | 4.92% |
Length of employment: | 3 years | Location: | High Point, NC |
Home town: | |||
Current & past employers: | A&S RG Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > To pay off credit card debt at a lower rate. This will consolidate my debt and help in the long run.<br><br> Borrower added on 07/12/12 > This loan will be used to consolidate my credit card debt and make it do that my corset score can improve from ok to great. By consolidating I will save money in the future and help myself going forward.<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2005 | 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: | $4,635.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 94.60% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Out of all of my expenses my totals add up to around a 1/3 of what I make a month. My credit card debt came from when I was in school and did not have a full time job. I now work 50hr weeks and pay everything early or on time. |
Which debts do you plan to pay off with this loan? | I am going to pay off my credit cards (3 of them). My interest rate on those is higher than that of this loan. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My balances on my credit cards that I wish to pay off total a little less than my loan request amount. |
Member Payment Dependent Notes Series 1418446
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1418446 |
$7,200 |
$7,200 |
14.09% |
1.00% |
July 24, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1418446. Member loan 1418446 was requested on July 13, 2012 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: | Wells Fargo Bank | Debt-to-income ratio: | 19.77% |
Length of employment: | 5 years | Location: | MIAMI, FL |
Home town: | |||
Current & past employers: | Wells Fargo Bank | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/18/12 > My situation is simple. I want to pay off my credit card debt and need a simple system to do it. I decided finding an option that gives me a short period of time with a set payment amount each month was my best option. I have never been late on any payments, I have a stable job and good income.<br>
A credit bureau reported the following information about this borrower member on July 13, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,396.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.30% | 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)? | Rent 1650<br>car 300<br>Utilities 110<br>Phone 75<br>Insurance 120<br>Food 150 Week <br><br>I do well and due to some recent life changes I just want to get the credit card debt paid off. This is a good solution for me to pay it off in 36 months. I'm never late on any payments, you can see on my credit report. I take it very seriously that I am borrowing money from investors and my first goal is to get this paid off. I appreciate your investment into me and take this very seriously!<br><br>Thanks 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. | Visa 1 - $1,440 Balance, $32 Min Pay, 18.99%<br>Visa 2 - $3,519 Balance, $80 Min Pay, 21.65%<br>Visa 3 - $1,869 Balance, $30 Min Pay, 15.99%<br><br>This seemed like the best plan for me to pay off my credit cards. I take it very seriously that you would invest in me and I have never been late on any payments as you can see on my credit report. I do not take it lightly that you are putting up your personal capital to help me. <br><br>Thank you! |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | All Credit Cards, $142 monthly that I will pay off with this loan. This loan will be $246 and is easily manageable for me to pay off my CC debt in 36 months.<br><br>I take it very seriously that you would invest in me and I have never been late on any payments as you can see on my credit report. I do not take it lightly that you are putting up your personal capital to help me. <br><br>Thank you! |
Member Payment Dependent Notes Series 1418465
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1418465 |
$7,500 |
$7,500 |
13.11% |
1.00% |
July 20, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1418465. Member loan 1418465 was requested on July 12, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $11,500 / month |
Current employer: | verizon | Debt-to-income ratio: | 15.07% |
Length of employment: | 10+ years | Location: | bloomingburg, NY |
Home town: | |||
Current & past employers: | verizon | ||
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, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $22,111.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 73.50% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | for the month it is around $ 3,000.00 |
What is the estimated current market value of the home you intend to purchase? | around $ 90,000.00 |
Please explain the reason why you carry a large revolving credit balance. | because in the last 9-12 months i been finishing the house on credit, because it is very hard to get a construction loan. when i am done i will refinance this home and pay back all other credit balance... |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | for the month it is around $ 3,000.00 |
Please explain the reason why you carry a large revolving credit balance. | because in the last 9-12 months i been finishing the house on credit, because it is very hard to get a construction loan. when i am done i will refinance this home and pay back all other credit balance... |
Is the home you are purchasing your primary residence or an investment property? | investment home, ( vacation home ) |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | for the month it is around $ 3,000.00 |
Please explain the reason why you carry a large revolving credit balance. | because in the last 9-12 months i been finishing the house on credit, because it is very hard to get a construction loan. when i am done i will refinance this home and pay back all other credit balance... |
Member Payment Dependent Notes Series 1418918
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1418918 |
$3,500 |
$3,500 |
15.31% |
1.00% |
July 20, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1418918. Member loan 1418918 was requested on July 12, 2012 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: | KCBS/KCAL-TV | Debt-to-income ratio: | 10.41% |
Length of employment: | 10+ years | Location: | Mission Hills, CA |
Home town: | |||
Current & past employers: | KCBS/KCAL-TV | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > I need to repair my car and get new prescription eyeglasses.<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | 26 |
Revolving Credit Balance: | $0.00 | Public Records On File: | 0 |
Revolving Line Utilization: | n/a | 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 monthly expenses are approx 2600 a month. |
Please provide additional details regarding the purpose of the loan. | My car needs some work : tires and struts and a turn signal switch. <br>I also hope to use some of the funds to get new prescription eyeglasses. |
If you have a delinquency in the last 2 years, please explain the reason. | I do not believe I have any delinquencies. |
Member Payment Dependent Notes Series 1418968
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1418968 |
$29,000 |
$29,000 |
19.72% |
1.00% |
July 23, 2012 |
July 30, 2015 |
July 30, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1418968. Member loan 1418968 was requested on July 16, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,292 / month |
Current employer: | Rehab Pathway | Debt-to-income ratio: | 10.79% |
Length of employment: | 2 years | Location: | JERSEY CITY, NJ |
Home town: | |||
Current & past employers: | Rehab Pathway | ||
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, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/2008 | 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: | $17,916.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 42.90% | 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 is your intended use for the loan proceeds? | My intended use for the loan is to consolidate my bills, pay off some credit cards and use the rest for personal purposes. |
Please explain the reason why you carry a large revolving credit balance. | I carry a large revolving credit balance because I just recently became married and financed part of my wedding with my credit cards. |
What are you buying? | I plan on purchasing furniture for the apartment me and my wife now share. |
Please explain the reason why you carry a large revolving credit balance. | I carry a large revolving credit balance because I just recently became married and financed part of my wedding with my credit cards. |
What are you buying? | I plan on purchasing furniture for the apartment me and my wife now share. |
What is your intended use for the loan proceeds? | My intended use for the loan is to consolidate my bills, pay off some credit cards and use the rest for personal purposes. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses are between $3,000.00- $3,500.00. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I will use 50% towards condolidating my credit cards and 50 % for my major purchases, such as furnihing my new apartment with my wife. |
Member Payment Dependent Notes Series 1419058
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419058 |
$4,000 |
$4,000 |
20.49% |
1.00% |
July 20, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419058. Member loan 1419058 was requested on July 12, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $7,042 / month |
Current employer: | Navy | Debt-to-income ratio: | 25.72% |
Length of employment: | < 1 year | Location: | Tampa, FL |
Home town: | |||
Current & past employers: | Navy | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > This loan is to consolidate all my balances into one loan. I have several small credit card balances that I would like to eliminate. Then while paying off this consolidation loan, I can put all my additional efforts towards building my savings.<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 27 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 56 | Months Since Last Delinquency: | 57 |
Revolving Credit Balance: | $21,066.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage 1879, car payment 505, utilities 400, car insurance 216, food 400 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit cards $14,000 ( I have one large balance of almost $10,000; i have 6 other cards - 1 card has a balance of $1,700, the other cards make up the balance of debt)<br>student loans $105,000 (in deferment; currently in a commissioning program with the Navy and will complete my graduate degree Dec 2013)<br>mortgage $245,000, monthly payment 1879, interest rate 5.25%, purchased 2009 for $260,000<br>car loan $21,000, monthly payment 505, interest rate is 8.25%, purchased in 2011 for $25,000 |
Please explain the reason why you carry a large revolving credit balance. | I am working on getting these balances down. By consolidating 6 credit cards into this one loan, I can focus my efforts on savings and also on paying off my one credit card with the highest balance. I used this card to purchase all of the furniture for my house. It has the lowest fixed interest rate of all my cards at 6.0%. |
Please explain the reason why you carry a large revolving credit balance. | I am working on getting these balances down. By consolidating 6 credit cards into this one loan, I can focus my efforts on savings and also on paying off my one credit card with the highest balance. I used this card to purchase all of the furniture for my house. It has the lowest fixed interest rate of all my cards at 6.0%. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | credit cards $14,000 ( I have one large balance of almost $10,000; i have 6 other cards - 1 card has a balance of $1,700, the other cards make up the balance of debt)<br>student loans $105,000 (in deferment; currently in a commissioning program with the Navy and will complete my graduate degree Dec 2013)<br>mortgage $245,000, monthly payment 1879, interest rate 5.25%, purchased 2009 for $260,000<br>car loan $21,000, monthly payment 505, interest rate is 8.25%, purchased in 2011 for $25,000 |
Member Payment Dependent Notes Series 1419106
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419106 |
$5,000 |
$5,000 |
6.62% |
1.00% |
July 23, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419106. Member loan 1419106 was requested on July 12, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $1,417 / month |
Current employer: | Roundy's Rainbow Foods | Debt-to-income ratio: | 13.27% |
Length of employment: | 3 years | Location: | Plymouth, MN |
Home town: | |||
Current & past employers: | Roundy's Rainbow Foods | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > My business is focused on providing engineering services to small local companies. I plan to use this loan to purchase 2 computer workstations and a small office printer. The equipment upgrade will enable us to be more productive.<br><br> Borrower added on 07/12/12 > Funds will be used to purchase 2 computer workstations and an office printer<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2005 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 10 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $2,657.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 16.50% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses are quite low since I am still living with my parents. My total monthly expenses are approximately $500 per month. |
Can you provide some high level financials on the monthly costs / revenue of your business? | The business has been operating for approximately 6 months. Monthly business costs are approximately $1400, total revenue has been averaging about $1600 per month. |
Please describe your experience/familiarity with the business you are starting/started? | My father is a licensed degreed mechanical engineer. I have been interested in the type of work he does since becoming a teenager. A family friend is a retired licensed degreed electrical engineer who owned an engineering services company. I spent several summers working at his company before he sold it. I am currently pursuing a degree in biomedical engineering. Both individuals mentioned above have helped me with the startup of my company and are consultants / references. |
What do you project your monthly revenues for the first 6 months to be? | Monthly revenues for June 2012 were approximately $1400, for May 2012 approximately $1300, and for April 2012 approximately $900. As the business progresses I am planning for the company to generate $3000 in monthly revenues by December 2012 and $7500 in monthly revenues by December 2013. |
What do you project your monthly revenues for the first 6 months to be? | Monthly revenues for June 2012 were approximately $1400, for May 2012 approximately $1300, and for April 2012 approximately $900. As the business progresses I am planning for the company to generate $3000 in monthly revenues by December 2012 and $7500 in monthly revenues by December 2013. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses are quite low since I am still living with my parents. My total monthly expenses are approximately $500 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)? | My current housing expenses are zero (0). I am currently living with my parents. My plans are to buy some type of residence in the second or third quarter of 2013. |
Member Payment Dependent Notes Series 1419342
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419342 |
$4,000 |
$4,000 |
15.31% |
1.00% |
July 18, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419342. Member loan 1419342 was requested on July 12, 2012 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: | Evergreen Women's Health Center | Debt-to-income ratio: | 19.99% |
Length of employment: | 3 years | Location: | Gold Bar, WA |
Home town: | |||
Current & past employers: | Evergreen Women's Health Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > I have run into some debt and we are trying to save for a house, I am using this loan to help pay off some bills and start saving for a house for our growing family!<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2007 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 14 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $7,122.00 | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | I currently have a credit card, car payment, and a student loan. Work has been slow so I am not working as many hours as I used too. Car is about 300, student loan is 220, credit card is only 50, but food ,gas and insurance total out to be 400.00. |
Which debts do you plan to pay off with this loan? | I plan to pay off my credit card and put a large payment on my student loan. I am also planning on paying an extra payment on my car so I can get by and start saving up a little in the next few months for future bumps in the road. |
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 a credit card, car payment, and a student loan. Work has been slow so I am not working as many hours as I used too. Car is about 300, student loan is 220, credit card is only 50, but food ,gas and insurance total out to be 400.00. |
Member Payment Dependent Notes Series 1419451
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419451 |
$4,200 |
$4,200 |
14.33% |
1.00% |
July 18, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419451. Member loan 1419451 was requested on July 12, 2012 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: | Overhill Farms | Debt-to-income ratio: | 28.92% |
Length of employment: | 5 years | Location: | Bell Gardens, CA |
Home town: | |||
Current & past employers: | Overhill Farms | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > I am looking to consolidate my bills. As you will notice I do have accounts open but I am trying to close most of my accounts and just leave a few open. I'm very good in paying my bills but sometimes because I have a quite a few I forget a payment here and there. I am great investment!!<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 32 | Months Since Last Delinquency: | 14 |
Revolving Credit Balance: | $7,783.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 43.70% | 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)? | Monthly is 400 rent, 100 food, 50 insurance, 400 car, 100 phone |
If you have a delinquency in the last 2 years, please explain the reason. | No delinquency just missed payments |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I only have credit cards, a month I pay about 500 for the ones I want to consolidate |
Which debts do you plan to pay off with this loan? | All except Dell |
Member Payment Dependent Notes Series 1419452
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419452 |
$4,800 |
$4,800 |
15.31% |
1.00% |
July 20, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419452. Member loan 1419452 was requested on July 12, 2012 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: | Marathon Oil Company | Debt-to-income ratio: | 5.91% |
Length of employment: | 5 years | Location: | Houston , TX |
Home town: | |||
Current & past employers: | Marathon Oil Company | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > I am requesting a loan to pay remainder of wedding expenses, so that we arent in a financial bind afterwards.<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | 27 |
Revolving Credit Balance: | $830.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 55.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - 8 hundred plus<br>Gas - I usually fill up twice a month at 50 each time<br>Food - We dont eat alot so our grocery expensenses arent that much.<br>Cell Phone - 91 a month |
What portion of your wedding expenses does this loan represent? | Wedding planner services which include catere, florist, and dj. Photographer, and Venue |
How are you paying for other wedding expenses not covered by this loan? | With my second paycheck. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent - 8 hundred plus<br>Gas - I usually fill up twice a month at 50 each time<br>Food - We dont eat alot so our grocery expensenses arent that much.<br>Cell Phone - 91 a month |
What portion of your wedding expenses does this loan represent? | Wedding planner services which include catere, florist, and dj. Photographer, and Venue |
How are you paying for other wedding expenses not covered by this loan? | With my second paycheck. |
What portion of your wedding expenses does this loan represent? | Wedding planner services which include catere, florist, and dj. Photographer, and Venue |
How are you paying for other wedding expenses not covered by this loan? | With my second paycheck. |
Member Payment Dependent Notes Series 1419461
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419461 |
$18,000 |
$18,000 |
13.11% |
1.00% |
July 23, 2012 |
July 26, 2017 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419461. Member loan 1419461 was requested on July 12, 2012 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: | Owens Precision Inc. | Debt-to-income ratio: | 23.62% |
Length of employment: | 10+ years | Location: | Minden, NV |
Home town: | |||
Current & past employers: | Owens Precision Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > this loan is to consolidate other bills i have and to reduce my monthly payments<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1994 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 10 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $31,518.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 74.00% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | House pymt: $2392.91<br>Transportation: $497.00<br>Utilities: Electric $90.00 Cable: $115.00<br>Phone: $130.00<br>Insurance: $188.00<br>Food: $400.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | wells fargo, home depot x2 lowes x1 and Koles than put the rest in saavings |
Please explain the reason why you carry a large revolving credit balance. | thats what I'm trying to get under control just house improvements and things we need thats why I'm getting this loan |
Please explain the reason why you carry a large revolving credit balance. | thats what I'm trying to get under control just house improvements and things we need thats why I'm getting this loan |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | House pymt: $2392.91<br>Transportation: $497.00<br>Utilities: Electric $90.00 Cable: $115.00<br>Phone: $130.00<br>Insurance: $188.00<br>Food: $400.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | House pymt: $2392.91<br>Transportation: $497.00<br>Utilities: Electric $90.00 Cable: $115.00<br>Phone: $130.00<br>Insurance: $188.00<br>Food: $400.00 |
Please explain the reason why you carry a large revolving credit balance. | thats what I'm trying to get under control just house improvements and things we need thats why I'm getting this loan |
Which debts do you plan to pay off with this loan? | wells farge, home depot xe lowes x1 and koles x1 the rest goes to savings |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | wells fargo, home depot x2 lowes x1 and Koles than put the rest in saavings |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | wells fargo, home depot x2 lowes x1 and Koles than put the rest in saavings |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | House pymt: $2392.91<br>Transportation: $497.00<br>Utilities: Electric $90.00 Cable: $115.00<br>Phone: $130.00<br>Insurance: $188.00<br>Food: $400.00 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | wells fargo, home depot x2 lowes x1 and Koles than put the rest in saavings |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | mortage 2300.00 ,,utilities 280.00,,insurance car 188,00,,,taxes and house insurance are included in the mortage pymt ,, car pymt 500.00, food 400.00cable and internet 116.00 |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | already answered |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | wells fargo, home depot x2 lowes x1 and Koles than put the rest in saavings |
Member Payment Dependent Notes Series 1419550
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419550 |
$21,000 |
$21,000 |
14.33% |
1.00% |
July 24, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419550. Member loan 1419550 was requested on July 13, 2012 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: | Phillips Van Heusen | Debt-to-income ratio: | 2.42% |
Length of employment: | 4 years | Location: | Brooklyn, NY |
Home town: | |||
Current & past employers: | Phillips Van Heusen | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > Buying a 2nd vacation home<br>
A credit bureau reported the following information about this borrower member on July 13, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 3 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | 12 |
Revolving Credit Balance: | $11,103.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 62.40% | 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)? | totaled month expenses are about 3500 and take home pay is about 8600 after tax |
What is the estimated current market value of the home you intend to purchase? | 85,000. I will pay cash |
If you have a delinquency in the last 2 years, please explain the reason. | Forgetfulness but paid all in full |
If you have a delinquency in the last 2 years, please explain the reason. | Forgetfulness but paid all in full |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | totaled month expenses are about 3500 and take home pay is about 8600 after tax |
Please explain the reason why you carry a large revolving credit balance. | Have only been paying the minimum but not that I am doing much better salary wise I have been reducing |
If you have a delinquency in the last 2 years, please explain the reason. | Forgetfulness but paid all in full |
Member Payment Dependent Notes Series 1419636
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419636 |
$16,000 |
$16,000 |
24.83% |
1.00% |
July 24, 2012 |
July 29, 2017 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419636. Member loan 1419636 was requested on July 15, 2012 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: | JL SURGICAL | Debt-to-income ratio: | 30.21% |
Length of employment: | 4 years | Location: | NEW MILFORD, NJ |
Home town: | |||
Current & past employers: | JL SURGICAL | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/15/12 > WORKING TOWARDS PUTTING MYSELF IN A BETTER FINANCIAL POSITION...ALL MY BILLS ARE PAID ON TIME, HAVE NEVER DEFAULTED ON A LOAN, NEVER CLAIMED BANKRUPTCY, WOULD JUST LIKE TO MAKE ONE PAYMENT AT A LOWER RATE, BUILD UP MY CREDIT HISTORY FOR THE FUTURE..THANKS FOR YOUR TIME<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 29 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 45 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $17,915.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.30% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Current monthly expenses are $1350 for rent, utilities, phone, etc..$700 monthly |
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 $2200 APR 29.99% visa $2700 APR 29.99% visa $1400 APR 27.99% visa $1900 APR 29.99% <br>visa $800 APR 29.99% visa $1400 APR 27.99% various store issued cards totaling approx $5000 APR's<br>29.99% total monthly payments for all cards above approx $900 monthly |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Total monthly for cards is approx $900, if I am successful in acquiring the loan and pay off the credit card debt the loan payment would be around $470 monthly, allowing me to save about $400 monthly, which in turn would allow me to pay off the debt earlier. |
Please explain the reason why you carry a large revolving credit balance. | Since we cannot enter too much personal information, certain situations arose in my life over which I had no control and which left me with almost no credit history despite the fact I have had new car loans, bank loans, etc.. in the past. I have slowly but steadily been digging myself out from under all of that and the consolidation of all the cards would allow me to finally be able to save. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Current monthly expenses are $1350 for rent, utilities, phone, etc..$700 monthly |
Please explain the reason why you carry a large revolving credit balance. | Since we cannot enter too much personal information, certain situations arose in my life over which I had no control and which left me with almost no credit history despite the fact I have had new car loans, bank loans, etc.. in the past. I have slowly but steadily been digging myself out from under all of that and the consolidation of all the cards would allow me to finally be able to save. |
What is the total balance of your credit cards, interest rates and current monthly payments? | total balance is approx $16500, interest rates range from 20.99-29.99% APR, current total monthly payments around $700-$900 |
Please explain the reason why you carry a large revolving credit balance. | Since we cannot enter too much personal information, certain situations arose in my life over which I had no control and which left me with almost no credit history despite the fact I have had new car loans, bank loans, etc.. in the past. I have slowly but steadily been digging myself out from under all of that and the consolidation of all the cards would allow me to finally be able to save. |
Member Payment Dependent Notes Series 1419758
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419758 |
$25,000 |
$25,000 |
15.31% |
1.00% |
July 23, 2012 |
July 30, 2015 |
July 30, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419758. Member loan 1419758 was requested on July 16, 2012 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: | GE Energy | Debt-to-income ratio: | 20.68% |
Length of employment: | 6 years | Location: | Atlanta, GA |
Home town: | |||
Current & past employers: | GE Energy | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/16/12 > Pay off high interest credit cards.<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1987 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $54,036.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 84.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1419862
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419862 |
$20,675 |
$20,675 |
22.47% |
1.00% |
July 18, 2012 |
July 27, 2017 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419862. Member loan 1419862 was requested on July 13, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,094 / month |
Current employer: | University of Arkansas | Debt-to-income ratio: | 14.69% |
Length of employment: | 2 years | Location: | Springdale, AR |
Home town: | |||
Current & past employers: | University of Arkansas | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > To pay off credit cards<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1982 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 30 | Months Since Last Delinquency: | 27 |
Revolving Credit Balance: | $28,375.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 87.60% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1419878
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419878 |
$25,975 |
$25,975 |
21.49% |
1.00% |
July 24, 2012 |
July 26, 2017 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419878. Member loan 1419878 was requested on July 12, 2012 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: | Bellisima SPA & Beauty Salon | Debt-to-income ratio: | 19.76% |
Length of employment: | 5 years | Location: | miami, FL |
Home town: | |||
Current & past employers: | Bellisima SPA & Beauty Salon | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > My patio around the pool needs be updated, I would like to remodel my bathrooms, and my kitchen needs some improvement, I would like to change my cabinets.<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 11 | Months Since Last Delinquency: | 69 |
Revolving Credit Balance: | $7,428.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 68.10% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1419881
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419881 |
$4,800 |
$4,800 |
14.33% |
1.00% |
July 24, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419881. Member loan 1419881 was requested on July 12, 2012 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: | Pacific I.P.A | Debt-to-income ratio: | 13.10% |
Length of employment: | 6 years | Location: | San Gabriel, CA |
Home town: | |||
Current & past employers: | Pacific I.P.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 12, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1993 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 3 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | 13 |
Revolving Credit Balance: | $13,925.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.60% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $450 for rent ,$550 for transportation,phone,food,etc... |
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. | Chase visa card $2000.,Bankof America $2000, American Exp $800 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Total $500 including this loan . |
Member Payment Dependent Notes Series 1419982
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1419982 |
$5,000 |
$5,000 |
18.49% |
1.00% |
July 20, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1419982. Member loan 1419982 was requested on July 12, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,042 / month |
Current employer: | Cameron International | Debt-to-income ratio: | 15.74% |
Length of employment: | 4 years | Location: | houston, TX |
Home town: | |||
Current & past employers: | Cameron International | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > I am in need of assistance with unforseen medical expenses.<br><br> Borrower added on 07/12/12 > I need a loan to cover bills after having paid for unexpected medical expenses for my daughter.<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $5,380.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 91.20% | 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)? | $3,000 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $3,000 |
What are the estimated expenses? | Estimated expenses are $7500. I am using $2500 of my own savings. |
What is your intended use for the loan proceeds? | Pay bills and remaining medical expenses. |
Member Payment Dependent Notes Series 1420000
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420000 |
$20,000 |
$20,000 |
14.33% |
1.00% |
July 24, 2012 |
July 30, 2015 |
July 30, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420000. Member loan 1420000 was requested on July 16, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $6,186 / month |
Current employer: | LucasArts, a division of Lucasfilm | Debt-to-income ratio: | 15.42% |
Length of employment: | 6 years | Location: | South San Francisco, CA |
Home town: | |||
Current & past employers: | LucasArts, a division of Lucasfilm | ||
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, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 79 |
Revolving Credit Balance: | $20,693.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 56.50% | 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)? | Chase Mastercard 12,280, 21.24%, 400/mo<br>Wells Fargo Visa 933, 21.24%, 50/mo<br>American Express 1,339, 15.24%, 50/mo<br>Discover 5,508, 12.99%, 150/mo<br>B of A Visa 1,121, 10.9%, 50/mo |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent 1,800<br>Transportation/Gas 200<br>Utilities including phone 575<br>Car insurance 117<br>Food/supplies 1,000 |
Member Payment Dependent Notes Series 1420023
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420023 |
$13,000 |
$13,000 |
20.49% |
1.00% |
July 20, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420023. Member loan 1420023 was requested on July 12, 2012 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: | Osborne, Parsons & Rosacker, LLP | Debt-to-income ratio: | 17.09% |
Length of employment: | 1 year | Location: | Colorado Springs, CO |
Home town: | |||
Current & past employers: | Osborne, Parsons & Rosacker, LLP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > Just need to get out of debt. With this loan I'll only have to worry about making a single payment to pay everything off. Thanks for the help<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $16,326.00 | 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 current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $13,000 - credit cards - roughly 29.99% ARP - $400/month<br><br>$19,000 - Student loans - 6.55% - $273/month<br><br>No Mortgage - I rent<br><br>I have a line of credit but the limit on it is only $50 and I have it mostly because my checking will not charge me a checking account fee if I have a line of credit with the bank. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $13,000 - credit cards - roughly 29.99% ARP - $400/month<br><br>$19,000 - Student loans - 6.55% - $273/month<br><br>No Mortgage - I rent<br><br>I have a line of credit but the limit on it is only $50 and I have it mostly because my checking will not charge me a checking account fee if I have a line of credit with the bank. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $13,000 - credit cards - roughly 29.99% ARP - $400/month<br><br>$19,000 - Student loans - 6.55% - $273/month<br><br>No Mortgage - I rent<br><br>I have a line of credit but the limit on it is only $50 and I have it mostly because my checking will not charge me a checking account fee if I have a line of credit with the bank. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | $13,000 - credit cards - roughly 29.99% ARP - $400/month<br><br>$19,000 - Student loans - 6.55% - $273/month<br><br>No Mortgage - I rent<br><br>I have a line of credit but the limit on it is only $50 and I have it mostly because my checking will not charge me a checking account fee if I have a line of credit with the bank. |
Member Payment Dependent Notes Series 1420027
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420027 |
$9,750 |
$9,750 |
17.77% |
1.00% |
July 18, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420027. Member loan 1420027 was requested on July 12, 2012 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: | tishmanspeyer | Debt-to-income ratio: | 24.20% |
Length of employment: | < 1 year | Location: | bronx, NY |
Home town: | |||
Current & past employers: | tishmanspeyer | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > my loan is to refinance my credit card loans, and done with the hassle of making more than one payments each month....<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2007 | 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: | $14,546.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 59.00% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 540 rent.... 100 metro card.... 200 food.... 100 cable n con ed. cellphone 140.... my current monthly expence is a little over a thousand dollars.... i share expense with a room mate.... |
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. | chase.... capitalone... discover....AE...... |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | about 700 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 540 rent.... 100 metro card.... 200 food.... 100 cable n con ed. cellphone 140.... my current monthly expence is a little over a thousand dollars.... i share expense with a room mate.... |
Please explain the reason why you carry a large revolving credit balance. | i have more than one credit cards n i pay my bill with all the intrest rate it seems like its not moving..... my mistake is taking cash from my credit cards and that makes the interest rate high.... but hey we learn from our mistakes... am just interesting in this loan to pay my debts and lower my intrest rate so i can be debt free faster..... i think its a positive move to refinance.... |
Member Payment Dependent Notes Series 1420112
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420112 |
$3,700 |
$3,700 |
18.49% |
1.00% |
July 23, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420112. Member loan 1420112 was requested on July 12, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,888 / month |
Current employer: | Pea Ridge Public Schools | Debt-to-income ratio: | 21.27% |
Length of employment: | 10+ years | Location: | Bella Vista, AR |
Home town: | |||
Current & past employers: | Pea Ridge 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 12, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 12 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 13 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $24,073.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 95.90% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1420150
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420150 |
$11,500 |
$11,500 |
14.33% |
1.00% |
July 18, 2012 |
July 26, 2015 |
July 26, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420150. Member loan 1420150 was requested on July 12, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $3,917 / month |
Current employer: | costco | Debt-to-income ratio: | 23.98% |
Length of employment: | 7 years | Location: | Santa Maria, CA |
Home town: | |||
Current & past employers: | costco | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/12/12 > Loan will be to consolidate all credit cards, and reduce my monthly payments by 305.00 a month.<br>
A credit bureau reported the following information about this borrower member on July 12, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 15 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 16 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,271.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 54.60% | 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)? | Mortgage is 700 per month. Utilities are 225 , which my wife pays. Insurance for cars has been paid for whole year ( usually 1250 per year). |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | mortgage 700/mo<br>gas 120/mo<br>utilities 70/mo<br>insurance 120/mo (prepaid for whole year) <br>food 300/mo |
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 700 per month. Utilities are 225 , which my wife pays. Insurance for cars has been paid for whole year ( usually 1250 per year). |
Member Payment Dependent Notes Series 1420445
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420445 |
$3,000 |
$3,000 |
15.31% |
1.00% |
July 20, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420445. Member loan 1420445 was requested on July 13, 2012 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: | beaulieu of america | Debt-to-income ratio: | 15.47% |
Length of employment: | 6 years | Location: | CHATSWORTH, GA |
Home town: | |||
Current & past employers: | beaulieu of america | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > roof replacement and new gutters. i am very conscientious about paying my debts and have a budget that is within our means. im in the industrial electrical field where there is always employment opportunities.<br>
A credit bureau reported the following information about this borrower member on July 13, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 08/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 70 |
Revolving Credit Balance: | $9,885.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 49.20% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1420782
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420782 |
$2,000 |
$2,000 |
13.11% |
1.00% |
July 20, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420782. Member loan 1420782 was requested on July 13, 2012 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: | Gallagher & Kennedy | Debt-to-income ratio: | 32.64% |
Length of employment: | 3 years | Location: | Glendale, AZ |
Home town: | |||
Current & past employers: | Gallagher & Kennedy | ||
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 13, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2000 | 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: | $15,883.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 94.50% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1420789
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420789 |
$6,000 |
$6,000 |
17.77% |
1.00% |
July 24, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420789. Member loan 1420789 was requested on July 13, 2012 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: | US NAVY | Debt-to-income ratio: | 20.66% |
Length of employment: | 3 years | Location: | Imperial beach, CA |
Home town: | |||
Current & past employers: | US NAVY | ||
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 13, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1985 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 80 |
Revolving Credit Balance: | $33,177.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 95.10% | 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)? | 3500.00 |
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. | banana republic |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | 600.00 |
Member Payment Dependent Notes Series 1420878
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420878 |
$10,000 |
$10,000 |
14.33% |
1.00% |
July 18, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420878. Member loan 1420878 was requested on July 13, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $11,250 / month |
Current employer: | Gemini Industries Inc. | Debt-to-income ratio: | 23.20% |
Length of employment: | 3 years | Location: | Norwell, MA |
Home town: | |||
Current & past employers: | Gemini Industries Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > Loan is to consolidate credit card balances and reduce interest rate.<br>
A credit bureau reported the following information about this borrower member on July 13, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1988 | 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: | $56,763.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.70% | 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. | Lived in NYC during Sep 11 (2001) and my company was located at ground zero and went out of business. During the subsequent period of unemployment, I relied on credit card for living expenses. Once the banks hiked the interest rates on the balances, I have only been able to pay minimums on that debt. Subsequent charges on other cards I have been able to pay principle, so income is able to support current expenses, but not able to pay down high interest rate card balances (some at 30% from 8%!) |
Member Payment Dependent Notes Series 1420887
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420887 |
$1,200 |
$1,200 |
12.12% |
1.00% |
July 20, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420887. Member loan 1420887 was requested on July 13, 2012 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: | Chicago Transit Authority | Debt-to-income ratio: | 12.62% |
Length of employment: | 6 years | Location: | Chicago, IL |
Home town: | |||
Current & past employers: | Chicago Transit Authority | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > Hello, I have a family reunion next month thats out of town and I recently decided that I wanted to go to it, so thats the main reson for my application. At first I choose not to go mainly based off of the expenses of the trip, but after time, thought, and the desire to see family I reconsidered.<br>
A credit bureau reported the following information about this borrower member on July 13, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2007 | 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: | $2,413.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.40% | 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)? | I pay rent which is 800, my car note and insurance is about 450 together, utilities and regular expenses, food, gas, etc I would say varies between 400 and 500. |
Please provide general details of the cost of your vacation. | The general expenses consist of the plane ticket. I'll be there for four nights and five days so I'll be splitting the expense of the hotel room with one of my family members. Also rental car expense and the activities that set to be done by the family such as six flags, tour of the city, family dinner, things of that nature. |
Member Payment Dependent Notes Series 1420907
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420907 |
$24,000 |
$24,000 |
15.31% |
1.00% |
July 20, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420907. Member loan 1420907 was requested on July 13, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,450 / month |
Current employer: | Nicklas Associates / Merck & Co., Inc. | Debt-to-income ratio: | 0.81% |
Length of employment: | 5 years | Location: | WHITEHOUSE STATION, NJ |
Home town: | |||
Current & past employers: | Nicklas Associates / Merck & Co., 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 13, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2001 | 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: | $4,237.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 22.20% | Months Since Last Record: | 110 |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1420952
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420952 |
$12,000 |
$12,000 |
12.12% |
1.00% |
July 24, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420952. Member loan 1420952 was requested on July 13, 2012 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: | Duke Energy | Debt-to-income ratio: | 24.23% |
Length of employment: | 5 years | Location: | CHARLOTTE, NC |
Home town: | |||
Current & past employers: | Duke Energy | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > This loan will be used to pay off credit card debt and student loans.<br>
A credit bureau reported the following information about this borrower member on July 13, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $22,680.00 | 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 are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Monthly expenses related to housing are around $1530. |
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 $17000 in credit card debt with my highest interest rate being 29.9% with Bank of America. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | These expenses are around $1000 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 about $17000 in credit card debt with my highest interest rate being 29.9% with 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)? | I have about $17000 in credit card debt with my highest interest rate being 29.9% with Bank of America. |
Which debts do you plan to pay off with this loan? | 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 $17000 in credit card debt with my highest interest rate being 29.9% with 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)? | I have about $17000 in credit card debt with my highest interest rate being 29.9% with 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)? | I have about $17000 in credit card debt with my highest interest rate being 29.9% with 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)? | I have about $17000 in credit card debt with my highest interest rate being 29.9% with 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)? | I have about $17000 in credit card debt with my highest interest rate being 29.9% with Bank of America. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I have a few credit cards with interest rates that are higher than 13% and wanted to get them paid off with this loan. |
What is your intended use for the loan proceeds? | I have a few credit cards with interest rates higher than 13% and wanted to use this loan to pay them off. |
Please explain the reason why you carry a large revolving credit balance. | It is the result of job loss within the last year and the birth of a child as well. |
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 $17000 in credit card debt with my highest interest rate being 29.9% with Bank of America. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I have a few credit cards with interest rates that are higher than 13% and wanted to get them paid off 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 have about $17000 in credit card debt with my highest interest rate being 29.9% with Bank of America. |
Member Payment Dependent Notes Series 1420974
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1420974 |
$7,925 |
$7,925 |
14.33% |
1.00% |
July 23, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1420974. Member loan 1420974 was requested on July 13, 2012 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: | AJ Enterprizies | Debt-to-income ratio: | 4.24% |
Length of employment: | 7 years | Location: | HILLIARD, FL |
Home town: | |||
Current & past employers: | AJ Enterprizies | ||
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 13, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/2005 | 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: | $5,225.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 80.40% | 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)? | my mortgage is 1110.80 my transportation is less then 200.00 a month the utities is about 300.00 insurance auto and life is about 250.00 food is 200.0 to 300.00 a month my phone and tv about 150.00 my credit cards is about 500.00 I`am looking for this money to lower my monthly payments please help me |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | my mortgage payment is 1110.80 the balance is 142000.00 the interest rate is 4.75 my credit cards balance is about 9000.00 my payments total about 500.00 the interest rate is about 20% give or take the cards are what I`am trying to pay off to lower my monthly payments please help me |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | my mortgage is 1110.80 my transportation is less then 200.00 a month the utities is about 300.00 insurance auto and life is about 250.00 food is 200.0 to 300.00 a month my phone and tv about 150.00 my credit cards is about 500.00 I`am looking for this money to lower my monthly payments please help me |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | my mortgage is 1110.80 my transportation is less then 200.00 a month the utities is about 300.00 insurance auto and life is about 250.00 food is 200.0 to 300.00 a month my phone and tv about 150.00 my credit cards is about 500.00 I`am looking for this money to lower my monthly payments please help me |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | my mortgage payment is 1110.80 the balance is 142000.00 the interest rate is 4.75 my credit cards balance is about 9000.00 my payments total about 500.00 the interest rate is about 20% give or take the cards are what I`am trying to pay off to lower my monthly payments please help me |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | my mortgage payment is 1110.80 the balance is 142000.00 the interest rate is 4.75 my credit cards balance is about 9000.00 my payments total about 500.00 the interest rate is about 20% give or take the cards are what I`am trying to pay off to lower my monthly payments please help me |
Member Payment Dependent Notes Series 1421022
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1421022 |
$5,000 |
$5,000 |
14.33% |
1.00% |
July 18, 2012 |
July 27, 2017 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1421022. Member loan 1421022 was requested on July 13, 2012 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: | Unimin Corporation | Debt-to-income ratio: | 16.12% |
Length of employment: | 4 years | Location: | Darien, CT |
Home town: | |||
Current & past employers: | Unimin 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 July 13, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 33 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $9,158.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 12.90% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Cable TV incl phone $190<br>Electric bill $172<br>Gas to and from work is $50 per week. I work 12 miles from home<br>Insurance is $160 and that is for 10 months. 2 months are not paid<br>Food is roughly about $150 per month<br>Cell phone bill is paid by my employer<br>As stated earlier, Mortgage is $2121 per month<br>Oil Bill is $400 per month on a budget plan |
What type of vehicle are you buying (make, model, year, mileage and condition)? | Make International Harvester<br>Model Travelall 1010 Automatic<br>Year 1971<br>Mileage 105,000<br>Condition Great condition ( Some surface rust around wheel wells. $5000 worth of work has been put into vehicle as of $2011 and about $1000 in misc items. Receipts are available and legible. |
How are you covering other costs related to this car transaction (taxes, registration, insurance)? | I will be paying for the Registration, etc, out of pocket. I currently have the money to cover all of that |
Member Payment Dependent Notes Series 1421073
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1421073 |
$16,000 |
$16,000 |
21.00% |
1.00% |
July 24, 2012 |
July 27, 2017 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1421073. Member loan 1421073 was requested on July 13, 2012 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: | People's united Bank | Debt-to-income ratio: | 18.73% |
Length of employment: | 5 years | Location: | Norwalk , CT |
Home town: | |||
Current & past employers: | People's united Bank | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > pay off higher interest credit cards<br>
A credit bureau reported the following information about this borrower member on July 13, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/1999 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 71 |
Revolving Credit Balance: | $29,973.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 81.20% | 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)? | I pay all my monthly bills on time and without any problems. I just want to pay off my revolving debt. I make a very good salary with a dividend check coming in every month. |
Member Payment Dependent Notes Series 1421094
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1421094 |
$18,450 |
$18,450 |
14.33% |
1.00% |
July 18, 2012 |
July 27, 2017 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1421094. Member loan 1421094 was requested on July 13, 2012 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: | Drs Technologies | Debt-to-income ratio: | 5.42% |
Length of employment: | 4 years | Location: | PLANO, TX |
Home town: | |||
Current & past employers: | Drs 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 13, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2004 | 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: | $5,751.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 50.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 700 rent, car is paid off, 60 electric, 80 phone bill, 75 car insurance, 50 a week for food. |
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. | bank of america visa card 8021.31, Bank of america amercian express card 4584.87, and Sears mastercard, 4100.00 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | bank of america visa min 234.00, Bank of america american express min 108.00, sears mastercard 150.00 min |
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. | bank of america visa card 8021.31, Bank of america amercian express card 4584.87, and Sears mastercard, 4100.00 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 700 rent, car is paid off, 60 electric, 80 phone bill, 75 car insurance, 50 a week for food. |
What is your intended use for the loan proceeds? | To consolidate my credit card to one payment |
Member Payment Dependent Notes Series 1421124
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1421124 |
$1,400 |
$1,400 |
6.03% |
1.00% |
July 20, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1421124. Member loan 1421124 was requested on July 13, 2012 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: | San Diego County Credit Union | Debt-to-income ratio: | 9.16% |
Length of employment: | 6 years | Location: | Murrieta, CA |
Home town: | |||
Current & past employers: | San Diego County Credit Union | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > Paying off my high APR credit card that I used to purchase laptop & paid for school tuition<br>
A credit bureau reported the following information about this borrower member on July 13, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/2006 | 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: | $2,602.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 10.70% | 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)? | $2,200 |
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. | $1,400 visa monthly payment $50 apr 12.99% |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | 60 |
Member Payment Dependent Notes Series 1421241
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1421241 |
$18,750 |
$18,750 |
14.33% |
1.00% |
July 24, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1421241. Member loan 1421241 was requested on July 13, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,950 / month |
Current employer: | Foley Plumbing Inc | Debt-to-income ratio: | 15.90% |
Length of employment: | 3 years | Location: | Remington, VA |
Home town: | |||
Current & past employers: | Foley Plumbing 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 13, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 17 |
Revolving Credit Balance: | $29,535.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 80.70% | 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)? | My current monthly household expenses (mortgage, utilities,insurance, etc) run approx $2445. In additon I am currently paying $950 per month towards revolving debt though the minimum required is $500. I am hoping to consolidate the revolving accounts at a lower interest rate to pay the debt off in 3 years. |
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 - $2276 rate 24.99; credit card #2 - $4887 rate 23.99; credit card #3 - $5075 rate 16.99; credit card #4 - $17297 rate 13.24; mortgage - $305299 rate 6.5 % |
If you have a delinquency in the last 2 years, please explain the reason. | I have had one late payment on my mortgage. I postponed the payment so I could attend my grandfathers funeral out of state. |
Please explain the reason why you carry a large revolving credit balance. | Credit balances are a combination of major household repairs (a/c, all new appliances and carpet..I bought a fixer-upper) and dental bills |
If you have a delinquency in the last 2 years, please explain the reason. | I have had one late payment on my mortgage. I postponed the payment so I could attend my grandfathers funeral out of state. |
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 - $2276 rate 24.99; credit card #2 - $4887 rate 23.99; credit card #3 - $5075 rate 16.99; credit card #4 - $17297 rate 13.24; mortgage - $305299 rate 6.5 % |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My current monthly household expenses (mortgage, utilities,insurance, etc) run approx $2445. In additon I am currently paying $950 per month towards revolving debt though the minimum required is $500. I am hoping to consolidate the revolving accounts at a lower interest rate to pay the debt off in 3 years. |
Member Payment Dependent Notes Series 1421308
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1421308 |
$27,200 |
$27,200 |
21.49% |
1.00% |
July 23, 2012 |
July 27, 2017 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1421308. Member loan 1421308 was requested on July 13, 2012 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: | Lowes Home Centers | Debt-to-income ratio: | 19.02% |
Length of employment: | 7 years | Location: | BRISTOL, CT |
Home town: | |||
Current & past employers: | Lowes Home Centers | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > Pay off higher interest credit cards and loans - easier to pay a fixed monthly rate rather than minimum payments - will be saving some money per month, plus nice to think about being debt free after making the final payment on this loan.<br><br> Borrower added on 07/14/12 > Total current monthly payments toward debt equals $889 mo<br>New Payment with this loan will be $744<br>All credit cards and debt obligations are paid on time every month.<br>
A credit bureau reported the following information about this borrower member on July 13, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2004 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 18 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $12,006.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 75.50% | 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 are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Good Morning - Here is a summary<br><br>Mortgage Payment $1529/mo<br>Transportation $500/mo (i travel for work, am reimbursed $.55 p/mile)<br>Vehicle payments $512 / $532 (2 vehicles)<br>Utilities Electric $100/mo Gas $50/mo phone/cable/internet $180 Insurance $220 Food $250 $300 /mo Studen Loans $600 /mo |
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. | Lowes Store Card Balance $1757<br>Visa $417<br>Mastercard $707<br>Medical Card $778<br>Walmart Card $450<br>Amazon GE Bank $1075<br>Mastercard $6000<br>Kohls Department Store Card $400<br>Paypal Card $200<br>I.R.S $11,500<br>Citi Financial Personal Loans $3749<br><br>Total Debt $27033 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Good Morning<br>Credit Card Payments (all) $433<br>Personal Loan Payment $226<br>I.R.S. Payment $230<br><br>Total Payments $889/mo<br>Anticipated Consolidation Loan Payment $744<br>Savings $145<br><br>All credit cards, loans, and IRS payment are paid on time every month |
What is the total balance of your credit cards, interest rates and current monthly payments? | Good Afternoon;<br><br>The total amount of credit cards and obligations is $27,084. The total payments on these obligations is $880 a month, this loan would lower that to $743 a month and offer a 5 year repayment. Currently on my obligations (consisting of both credit cards and personal loan) I am paying the minimum payments except on personal obligations which are at a set amortized payment. Credit card Interest rates vary slightly from each other and are 21% + Thank you for asking the 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. | Lowes Store Card Balance $1757<br>Visa $417<br>Mastercard $707<br>Medical Card $778<br>Walmart Card $450<br>Amazon GE Bank $1075<br>Mastercard $6000<br>Kohls Department Store Card $400<br>Paypal Card $200<br>I.R.S $11,500<br>Citi Financial Personal Loans $3749<br><br>Total Debt $27033 |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | Good Morning<br>Credit Card Payments (all) $433<br>Personal Loan Payment $226<br>I.R.S. Payment $230<br><br>Total Payments $889/mo<br>Anticipated Consolidation Loan Payment $744<br>Savings $145<br><br>All credit cards, loans, and IRS payment are paid on time every 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. | Lowes Store Card Balance $1757<br>Visa $417<br>Mastercard $707<br>Medical Card $778<br>Walmart Card $450<br>Amazon GE Bank $1075<br>Mastercard $6000<br>Kohls Department Store Card $400<br>Paypal Card $200<br>I.R.S $11,500<br>Citi Financial Personal Loans $3749<br><br>Total Debt $27033 |
Member Payment Dependent Notes Series 1421509
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1421509 |
$6,000 |
$6,000 |
17.27% |
1.00% |
July 24, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1421509. Member loan 1421509 was requested on July 13, 2012 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: | port authority nynj | Debt-to-income ratio: | 4.13% |
Length of employment: | 10+ years | Location: | RICHMOND HILL, NY |
Home town: | |||
Current & past employers: | port authority nynj | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/13/12 > I'M HAPPY VERY MUCH. PAY DOWN DEBT & GET MY LOVING MOTHER A SPECIAL BIRTHDAY GIFT.<br>
A credit bureau reported the following information about this borrower member on July 13, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | 29 |
Revolving Credit Balance: | $13,113.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.20% | 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)? | CC IS ABOUT 600. MY BI-WKLY MORTGAGE IS 1114.07 NO STUDENT LOAN. <br>THE OTHERS PLUS INVESTMENTS ARE 900- 1000. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | MY BIWEEKLY MORTGAGE IS 1114.07 AND 72. GAS AND CON IS 57. THE PHONE IS PAID IN ADVANCE . THIS CAME WITH A SAVINGS. THE UNION PAYS US FREE METRO CARDS TO GO TO WK. MY WIFE SPEND ABOUT AVG 185-225 FOOD ETC.. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | CC IS ABOUT 600. MY BI-WKLY MORTGAGE IS 1114.07 NO STUDENT LOAN. <br>THE OTHERS PLUS INVESTMENTS ARE 900- 1000. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | MY BIWEEKLY MORTGAGE IS 1114.07 AND 72. GAS AND CON IS 57. THE PHONE IS PAID IN ADVANCE . THIS CAME WITH A SAVINGS. THE UNION PAYS US FREE METRO CARDS TO GO TO WK. MY WIFE SPEND ABOUT AVG 185-225 FOOD ETC.. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | WE PAY OUR BILLS ON TIME . THE HOUSING IS THE MOST IMPORTANT. WE TRY TO MOVE AHEAD WHEN POSSIBLE TO STAY AHEAD. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | CC IS ABOUT 600. MY BI-WKLY MORTGAGE IS 1114.07 NO STUDENT LOAN. <br>THE OTHERS PLUS INVESTMENTS ARE 900- 1000. |
Please explain the reason why you carry a large revolving credit balance. | I WAS ALONE HANDLING THE THINGS AT HOME . MY SON WAS IN SERVICE AND MY WIFE LOST THE LITTLE JOB SHE HAD DURING THE FINANCIAL DOWNWARD . NOW THE THING ARE CHANGING FOR THE BETTER. MY SON IS HELPING AND MY WIFE NOW HAD HER STEADLY INCOME . FINCAIALY BY YEAR END WILL FIND OUR SELVES STRONGER |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | MY BIWEEKLY MORTGAGE IS 1114.07 AND 72. GAS AND CON IS 57. THE PHONE IS PAID IN ADVANCE . THIS CAME WITH A SAVINGS. THE UNION PAYS US FREE METRO CARDS TO GO TO WK. MY WIFE SPEND ABOUT AVG 185-225 FOOD ETC.. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | THE CREDIT CARD & CITI & FEW MORE |
Which debts do you plan to pay off with this loan? | THE CREDIT CARD & CITI AND A FEW MORE |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | CC IS ABOUT 600. MY BI-WKLY MORTGAGE IS 1114.07 NO STUDENT LOAN. <br>THE OTHERS PLUS INVESTMENTS ARE 900- 1000. |
Member Payment Dependent Notes Series 1421591
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1421591 |
$18,000 |
$18,000 |
21.00% |
1.00% |
July 24, 2012 |
July 27, 2017 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1421591. Member loan 1421591 was requested on July 13, 2012 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: | bristol farms | Debt-to-income ratio: | 21.15% |
Length of employment: | 9 years | Location: | SAN PEDRO, CA |
Home town: | |||
Current & past employers: | bristol farms | ||
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 13, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2002 | 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: | $23,975.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.30% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
The following answers to questions from lender members were posted by the borrower member:
Question | Answer |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | About 19k$ I pay them every month with no delinquent accounts. I pay 8-900$ a month and figure this loan at $500 a month would benefit me and help pay my debt off faster |
Please explain the reason why you carry a large revolving credit balance. | My grand mother passed and alot had to due with that expense. I pay all my credit cards monthly just rather pay one lump sum monthly and save a couple hundred bucks. |
Which debts do you plan to pay off with this loan? | My 2 major credits cards are most important. Had a death in the family and had to pay 70% of it and that is the main focus is repaying those 2. The rest are smaller cards. Figuring I just payed off my car loan a couple months back I'll be in excellent shape to pay this loan off fast . |
Member Payment Dependent Notes Series 1421609
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1421609 |
$2,275 |
$2,275 |
14.09% |
1.00% |
July 20, 2012 |
July 27, 2015 |
July 27, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1421609. Member loan 1421609 was requested on July 13, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,517 / month |
Current employer: | Lawrence Livermore National Security | Debt-to-income ratio: | 11.43% |
Length of employment: | 9 years | Location: | Mountain House, CA |
Home town: | |||
Current & past employers: | Lawrence Livermore National Security | ||
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 13, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1990 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 41 |
Revolving Credit Balance: | $9,668.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 74.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 2 |
Member Payment Dependent Notes Series 1422084
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1422084 |
$19,000 |
$19,000 |
14.33% |
1.00% |
July 24, 2012 |
July 28, 2017 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1422084. Member loan 1422084 was requested on July 14, 2012 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: | ESTES EXPRESS LINES | Debt-to-income ratio: | 16.06% |
Length of employment: | 10+ years | Location: | ORLAND HILLS, IL |
Home town: | |||
Current & past employers: | ESTES EXPRESS LINES | ||
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, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1994 | 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: | $20,918.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 77.50% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 2500 |
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. | FOUR VISA CARDS |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | MINIMUM PAYMENTS 430 PAYOFF 18,000 |
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. | FOUR VISA CARDS |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | 2500 |
What is your intended use for the loan proceeds? | CREDIT CARD PAYOFF |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | MINIMUM PAYMENTS 430 PAYOFF 18,000 |
What is the total balance of your credit cards, interest rates and current monthly payments? | BALANCE 1,874.00 RATE 17.90 PAYMENT 46.00 BALANCE 5,368.00 RATE 14.24 PAYMENT 126.00 BALANCE 4,669.00 RATE 14.15 PAYMENT 89.00 BALANCE 6,512.00 RATE 17.90 PAYMENT 167.00 |
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. | FOUR 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. | FOUR VISA CARDS |
Member Payment Dependent Notes Series 1422101
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1422101 |
$15,000 |
$15,000 |
15.31% |
1.00% |
July 23, 2012 |
July 28, 2015 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1422101. Member loan 1422101 was requested on July 14, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $3,708 / month |
Current employer: | Crestview Retirement Community | Debt-to-income ratio: | 30.53% |
Length of employment: | 10+ years | Location: | College Station, TX |
Home town: | |||
Current & past employers: | Crestview Retirement Community | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/14/12 > I have worked hard at getting out of debt and this will be the final chapter...I can honestly say I can see the light at the end of the tunnel. The loan will consolidate my debt with lower monthly payments , a better interest rate and definable payoff time. It will allow me to add to my savings.<br>
A credit bureau reported the following information about this borrower member on July 14, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 16 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $10,619.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 46.80% | 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 615 utilities 100 trans 182 phone 45 food 125 savings 50 credit card payments 365<br>insurance 65 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | current credit debt balance is 10,394<br>loan 4552<br>interest rates range from 18.99 to 29.99<br>total line of credit 20275<br>total monthly payment for credit card 365<br>loan is 252 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | current credit debt balance is 10,394<br>loan 4552<br>interest rates range from 18.99 to 29.99<br>total line of credit 20275<br>total monthly payment for credit card 365<br>loan is 252 |
Member Payment Dependent Notes Series 1422105
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1422105 |
$3,000 |
$3,000 |
11.14% |
1.00% |
July 20, 2012 |
July 28, 2015 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1422105. Member loan 1422105 was requested on July 14, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | OWN | Gross income: | $10,833 / month |
Current employer: | BP | Debt-to-income ratio: | 27.05% |
Length of employment: | 10+ years | Location: | League City, TX |
Home town: | |||
Current & past employers: | BP | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/14/12 > I currently work for a major corporation and have been employed for over ten years with very stable employment and have very good credit with no late payments. Loan is for small debt consolidation.<br>
A credit bureau reported the following information about this borrower member on July 14, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 50 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $25,531.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 69.60% | 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)? | Sure about 2700 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | about 1500- I want to consolidate some of these because one of them is only a $2100 balance but a 490 month payment-Dept store. My interest rates are good because my credit is very good. Please feel free to ask more questions |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Sure about 2700 |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | about 1500- I want to consolidate some of these because one of them is only a $2100 balance but a 490 month payment-Dept store. My interest rates are good because my credit is very good. Please feel free to ask more questions |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | about 1500- I want to consolidate some of these because one of them is only a $2100 balance but a 490 month payment-Dept store. My interest rates are good because my credit is very good. Please feel free to ask more questions |
Member Payment Dependent Notes Series 1422355
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1422355 |
$21,350 |
$21,350 |
17.27% |
1.00% |
July 23, 2012 |
July 28, 2015 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1422355. Member loan 1422355 was requested on July 14, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $4,581 / month |
Current employer: | Peabody Energy | Debt-to-income ratio: | 32.55% |
Length of employment: | 2 years | Location: | Florissant, MO |
Home town: | |||
Current & past employers: | Peabody Energy | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/14/12 > Consolidating and paying down debt. Getting a good foothold on getting.g out of credit card debt and medical bills, etc. I've been so stressed and stretched every month!<br><br> Borrower added on 07/16/12 > Same time I was downsized 3 yrs ago, the cc companies dropped my limits down to the amounts I owed, leaving no available credit, and also doubled my monthly payments. Then hard to pay much more than minimum monthly. Paying off and feeling sane again is like a dream! Lesson learned. Thank you all!<br><br> Borrower added on 07/19/12 > LendingClub. Words can't describe my gratitude for the eye-opening experience this has been. Thanks to every single person who lends to those of us who have fallen down for all sorts of reasons and just needed a break, or found this is better than conventional ways. Bravo and thanks a million times!<br>
A credit bureau reported the following information about this borrower member on July 14, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1985 | 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: | $23,103.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 93.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Hi. Current monthly expenses are as follows: mortgage is 895.70; transport: auto is 447, auto insurance is 76, train pass for work is 30; combined utilities are 160; phone is 80; food 100.<br>Thank you. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Debt balances are as follows: credit card balance is 22,600; interest rates range from 8.9% for highest balance card to 17% for others, two store credit cards approx. 26%. Total monthly credit card payment currently is approx. 700; student loan is 52 monthly, balance owed 3130.17; mortgage balance is 103,000, interest rate 2.39%. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Hi. Current monthly expenses are as follows: mortgage is 895.70; transport: auto is 447, auto insurance is 76, train pass for work is 30; combined utilities are 160; phone is 80; food 100.<br>Thank you. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Debt balances are as follows: credit card balance is 22,600; interest rates range from 8.9% for highest balance card to 17% for others, two store credit cards approx. 26%. Total monthly credit card payment currently is approx. 700; student loan is 52 monthly, balance owed 3130.17; mortgage balance is 103,000, interest rate 2.39%. |
Please explain the reason why you carry a large revolving credit balance. | I lost my job three years ago and started relying on the cards to make ends meet. When I did find another job, it paid considerably less until this year with a promotion, I've been trying to get back on top ever since the loss. I have an excellent pay history but I just haven't been able to make a dent. I feel like I've been throwing a cup of water on an inferno. The high balance is what is dragging my credit score down. |
Which debts do you plan to pay off with this loan? | Hi. All revolving cards and all credit card balances, with the exception of the lowest interest one which carries the highest amount. However I will be able to pay a great amount on even that card, and bring it down to a very manageable amount to get paid off quickly. I hope to get and remain totally out of the credit card debt, some medical and other bills I have been trying to chip away at. My DTI and credit score will be restored by doing so.<br>Thanks. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Debt balances are as follows: credit card balance is 22,600; interest rates range from 8.9% for highest balance card to 17% for others, two store credit cards approx. 26%. Total monthly credit card payment currently is approx. 700; student loan is 52 monthly, balance owed 3130.17; mortgage balance is 103,000, interest rate 2.39%. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Debt balances are as follows: credit card balance is 22,600; interest rates range from 8.9% for highest balance card to 17% for others, two store credit cards approx. 26%. Total monthly credit card payment currently is approx. 700; student loan is 52 monthly, balance owed 3130.17; mortgage balance is 103,000, interest rate 2.39%. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Hi. Current monthly expenses are as follows: mortgage is 895.70; transport: auto is 447, auto insurance is 76, train pass for work is 30; combined utilities are 160; phone is 80; food 100.<br>Thank you. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Debt balances are as follows: credit card balance is 22,600; interest rates range from 8.9% for highest balance card to 17% for others, two store credit cards approx. 26%. Total monthly credit card payment currently is approx. 700; student loan is 52 monthly, balance owed 3130.17; mortgage balance is 103,000, interest rate 2.39%. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Debt balances are as follows: credit card balance is 22,600; interest rates range from 8.9% for highest balance card to 17% for others, two store credit cards approx. 26%. Total monthly credit card payment currently is approx. 700; student loan is 52 monthly, balance owed 3130.17; mortgage balance is 103,000, interest rate 2.39%. |
Member Payment Dependent Notes Series 1422361
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1422361 |
$35,000 |
$35,000 |
22.47% |
1.00% |
July 20, 2012 |
July 28, 2017 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1422361. Member loan 1422361 was requested on July 14, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $10,417 / month |
Current employer: | UPS | Debt-to-income ratio: | 9.66% |
Length of employment: | 10+ years | Location: | OSWEGO, IL |
Home town: | |||
Current & past employers: | UPS | ||
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, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $27,271.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.60% | 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)? | these can be found in my credit report |
Please explain the reason why you carry a large revolving credit balance. | proceeds from the loan will be used to pay off several of these revolving accounts |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | these can be found in my credit report |
What is your intended use for the loan proceeds? | pay off the revolving accounts (chase card, sears card, capitol one card, and rest to the one main financial loan |
Please explain the reason why you carry a large revolving credit balance. | proceeds from the loan will be used to pay off several of these revolving accounts |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | these can be found in my credit report |
Which debts do you plan to pay off with this loan? | capitol one, chase card, sears card, and one main financial |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | see previous question.. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | these can be found in my credit report |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | these can be found in my credit report |
Which debts do you plan to pay off with this loan? | capitol one, chase card, sears card, and one main financial |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | see previous question.. |
Which debts do you plan to pay off with this loan? | capitol one, chase card, sears card, and one main financial |
What is your intended use for the loan proceeds? | pay off the revolving accounts (chase card, sears card, capitol one card, and rest to the one main financial loan |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | these can be found in my credit report |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | these can be found in my credit report |
Member Payment Dependent Notes Series 1422513
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1422513 |
$18,000 |
$18,000 |
19.05% |
1.00% |
July 23, 2012 |
July 28, 2017 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1422513. Member loan 1422513 was requested on July 14, 2012 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: | US Bank | Debt-to-income ratio: | 9.55% |
Length of employment: | 10+ years | Location: | Puyallup, WA |
Home town: | |||
Current & past employers: | US Bank | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/14/12 > Loan is to consolidated 5000 in credit card debt and the rest is to upgrade carpets, appliances and counter tops in home.<br>
A credit bureau reported the following information about this borrower member on July 14, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2003 | 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: | $5,921.00 | Public Records On File: | 1 |
Revolving Line Utilization: | 43.20% | Months Since Last Record: | 109 |
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)? | Mtg Payment: 1100. Transport: 250, Utilities: 130, Phone: 120, Insurance: 100, Food: 250 |
If you have a public record on file, please briefly explain the event and its resolution. | 2003 BK, Discharged 10/2003.. Employment paycut, needed money to avoid eviction. Employment and pay has stabilized since 10/2003, no issues |
If you have a public record on file, please briefly explain the event and its resolution. | 2003 BK, Discharged 10/2003.. Employment paycut, needed money to avoid eviction. Employment and pay has stabilized since 10/2003, no issues |
Member Payment Dependent Notes Series 1422582
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1422582 |
$19,000 |
$19,000 |
22.47% |
1.00% |
July 24, 2012 |
July 28, 2017 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1422582. Member loan 1422582 was requested on July 14, 2012 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: | ASRC Federal | Debt-to-income ratio: | 6.68% |
Length of employment: | 2 years | Location: | CULPEPER, VA |
Home town: | |||
Current & past employers: | ASRC Federal | ||
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, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 2 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | 11 |
Revolving Credit Balance: | $17,355.00 | 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 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Transportation-$120 insurance, $240+ for gas, I drive 150 miles round trip to work and back. <br>Utilities-about 450$ (Phone, water, electric, gas, TV)<br>Food-400$ |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Mortgage-2837/month, plus 60 HOA dues<br>Credit Cards-5 cards total of $19000 in debt |
If you have a delinquency in the last 2 years, please explain the reason. | I have tried to answer this question but it wont let me explain. it has to do with the housing market |
Please explain the reason why you carry a large revolving credit balance. | Been trying to bring down the debt but with the high mortgage, we bought at a horrible time and the lending company is not helping out with refinancing, they will not do it. |
Member Payment Dependent Notes Series 1422816
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1422816 |
$32,000 |
$32,000 |
18.49% |
1.00% |
July 20, 2012 |
July 28, 2015 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1422816. Member loan 1422816 was requested on July 14, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $9,583 / month |
Current employer: | UPS | Debt-to-income ratio: | 14.60% |
Length of employment: | 10+ years | Location: | ROLLA, MO |
Home town: | |||
Current & past employers: | UPS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/14/12 > I am combining several credit cards in order to lower my interest rates and have a solid end date for these debts.<br>
A credit bureau reported the following information about this borrower member on July 14, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1979 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 46 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $16,390.00 | 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 is your intended use for the loan proceeds? | I plan to consolidate all higher interest debt into one loan with definite end date. |
Please explain the reason why you carry a large revolving credit balance. | This was always a convenient way to pay for things. I want to pay all of these off and get a loan that has a definite payoff date as I plan to retire in 2019. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My total monthly obligation for all debt outside of mortgage is $1740 per month mant accounts with no set end date. My new payment will be $1164 with a 36 month repayment term. |
Which debts do you plan to pay off with this loan? | I will pay off Phelps CountyBank, One Main Financial, Lowes, JC Penney's, Benficial, Dell, and PayPal. My goal is to be debt free by 2019. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | The only purpose of this loan will be to consolidate all loan balances into one with a specified end date for these debts. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My total monthly obligation for all debt outside of mortgage is $1740 per month mant accounts with no set end date. My new payment will be $1164 with a 36 month repayment term. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My total monthly obligation for all debt outside of mortgage is $1740 per month mant accounts with no set end date. My new payment will be $1164 with a 36 month repayment term. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Total monthly expenses including mortgage are $4100. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My total monthly obligation for all debt outside of mortgage is $1740 per month mant accounts with no set end date. My new payment will be $1164 with a 36 month repayment term. |
Which debts do you plan to pay off with this loan? | I will pay off Phelps CountyBank, One Main Financial, Lowes, JC Penney's, Benficial, Dell, and PayPal. My goal is to be debt free by 2019. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Total monthly expenses including mortgage are $4100. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My total monthly obligation for all debt outside of mortgage is $1740 per month mant accounts with no set end date. My new payment will be $1164 with a 36 month repayment term. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Total monthly expenses including mortgage are $4100. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My total monthly obligation for all debt outside of mortgage is $1740 per month mant accounts with no set end date. My new payment will be $1164 with a 36 month repayment term. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My total monthly obligation for all debt outside of mortgage is $1740 per month mant accounts with no set end date. My new payment will be $1164 with a 36 month repayment term. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | My total monthly obligation for all debt outside of mortgage is $1740 per month mant accounts with no set end date. My new payment will be $1164 with a 36 month repayment term. |
Member Payment Dependent Notes Series 1422905
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1422905 |
$8,325 |
$8,325 |
18.49% |
1.00% |
July 24, 2012 |
July 29, 2015 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1422905. Member loan 1422905 was requested on July 15, 2012 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: | Lehigh Valley Health Network | Debt-to-income ratio: | 33.71% |
Length of employment: | 8 years | Location: | Macungie, PA |
Home town: | |||
Current & past employers: | Lehigh Valley Health Network | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/15/12 > I'd like to take this loan to put new carpeting in the upstairs to my home. Also, like to put in a new railing on the stairs and repaint the upstairs. I would also take some of the funds to pay off some credit cards.<br>
A credit bureau reported the following information about this borrower member on July 15, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 04/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 23 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 63 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $19,452.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 61.20% | 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 1700/month; gas ~ 200/month; electric ~ 140/month; phone/cable/internet ~ 170/month; groceries ~ 200/week |
What is the home improvement project you are planning? | plan on putting in new carpets upstairs along with repainting walls, putting banister on stairwell and also plan on paying off some credit card debt |
What is the balance, interest rate, and monthly payments of your mortgage loan(s) and/or HELOCs? | ~ 204,000/5.375% fixed/1650/month |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | I plan on replacing carpet in the upstairs, place a banister on the stairwell and paint the upstairs/kitchen and living room; any remaining monies will go to credit card debt. |
What is the home improvement project you are planning? | plan on putting in new carpets upstairs along with repainting walls, putting banister on stairwell and also plan on paying off some credit card debt |
Is the improvement to your primary residence or an investment property? | primary residence |
Member Payment Dependent Notes Series 1422996
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1422996 |
$5,000 |
$5,000 |
6.62% |
1.00% |
July 24, 2012 |
July 28, 2015 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1422996. Member loan 1422996 was requested on July 14, 2012 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: | Catholic Health Care | Debt-to-income ratio: | 19.92% |
Length of employment: | 6 years | Location: | Lackawanna, NY |
Home town: | |||
Current & past employers: | Catholic Health Care | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/14/12 > This loan is for an above ground pool. It will be landscaped and within code.<br>
A credit bureau reported the following information about this borrower member on July 14, 2012:
Credit Score Range: | 750-779 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2006 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 14 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 35 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $4,485.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 13.00% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 1 |
Member Payment Dependent Notes Series 1423028
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1423028 |
$12,700 |
$12,700 |
15.31% |
1.00% |
July 23, 2012 |
July 28, 2015 |
July 28, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1423028. Member loan 1423028 was requested on July 14, 2012 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: | Green Mechanical Contractors | Debt-to-income ratio: | 31.96% |
Length of employment: | 6 years | Location: | SAN DIEGO, CA |
Home town: | |||
Current & past employers: | Green Mechanical Contractors | ||
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, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 07/2005 | 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: | $31,226.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 79.50% | 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)? | $2100.00 |
Please explain the reason why you carry a large revolving credit balance. | I've been using my credit cards to pay for my wedding. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Pay down credit cards with higher APR's and wedding expenses. $6000-$8000 will go to the wedding. |
What portion of your wedding expenses does this loan represent? | 80%. |
How are you paying for other wedding expenses not covered by this loan? | My fiancé, parents, and future in-laws. |
Please explain the reason why you carry a large revolving credit balance. | I've been using my credit cards to pay for my wedding. |
Member Payment Dependent Notes Series 1423343
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1423343 |
$5,250 |
$5,250 |
11.14% |
1.00% |
July 24, 2012 |
July 29, 2015 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1423343. Member loan 1423343 was requested on July 15, 2012 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: | US Government | Debt-to-income ratio: | 19.65% |
Length of employment: | 2 years | Location: | ATHENS, AL |
Home town: | |||
Current & past employers: | US Government | ||
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 15, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 03/1998 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 18 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 43 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $24,251.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 56.10% | 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 |
Please explain the reason why you carry a large revolving credit balance. | Two kids in college, Univ. of Alabama and Univ. of Rhode Island. |
Member Payment Dependent Notes Series 1423358
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1423358 |
$3,000 |
$3,000 |
10.16% |
1.00% |
July 24, 2012 |
July 29, 2015 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1423358. Member loan 1423358 was requested on July 15, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $5,140 / month |
Current employer: | Impax laboratory | Debt-to-income ratio: | 8.27% |
Length of employment: | 9 years | Location: | union city, CA |
Home town: | |||
Current & past employers: | Impax laboratory | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/15/12 > My house need new kitchen appliances<br>
A credit bureau reported the following information about this borrower member on July 15, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 7 | Delinquencies (Last 2 yrs): | 1 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | 16 |
Revolving Credit Balance: | $15,695.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 56.30% | 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 you buying? | gifts for my wife its our anniversary coming |
If you have a delinquency in the last 2 years, please explain the reason. | i never have a delinquency what so ever in my life |
If you have a delinquency in the last 2 years, please explain the reason. | i never have a delinquency what so ever in my life |
Member Payment Dependent Notes Series 1423779
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1423779 |
$35,000 |
$35,000 |
20.49% |
1.00% |
July 20, 2012 |
July 29, 2017 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1423779. Member loan 1423779 was requested on July 15, 2012 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: | United Health Care | Debt-to-income ratio: | 16.71% |
Length of employment: | 3 years | Location: | BROOKLYN, NY |
Home town: | |||
Current & past employers: | United Health Care | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/15/12 > With this loan I will be able to consolidate all debts and have one easy monthly payment to worry about instead of having many different creditors to pay off every month.<br>
A credit bureau reported the following information about this borrower member on July 15, 2012:
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: | 29 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $28,719.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 48.30% | 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)? | Car lease $525/m<br>Job expenses pay for most other out of pocket like cell phone and gas. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Student loans $120/m<br>About 7 credit cards comprise most of my monthly expenses about $200 each a month with interest rates that range btw 0 - 19%. |
Please explain the reason why you carry a large revolving credit balance. | It was intended to be temporary and will be paid off once I consolidate. |
Please explain the reason why you carry a large revolving credit balance. | It was intended to be temporary and will be paid off once I consolidate. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Student loans $120/m<br>About 7 credit cards comprise most of my monthly expenses about $200 each a month with interest rates that range btw 0 - 19%. |
Which debts do you plan to pay off with this loan? | Credit Cards |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car lease $525/m<br>Job expenses pay for most other out of pocket like cell phone and gas. |
Please explain the reason why you carry a large revolving credit balance. | It was intended to be temporary and will be paid off once I consolidate. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Student loans $120/m<br>About 7 credit cards comprise most of my monthly expenses about $200 each a month with interest rates that range btw 0 - 19%. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Student loans $120/m<br>About 7 credit cards comprise most of my monthly expenses about $200 each a month with interest rates that range btw 0 - 19%. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Student loans $120/m<br>About 7 credit cards comprise most of my monthly expenses about $200 each a month with interest rates that range btw 0 - 19%. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car lease $525/m<br>Job expenses pay for most other out of pocket like cell phone and gas. |
Please explain the reason why you carry a large revolving credit balance. | It was intended to be temporary and will be paid off once I consolidate. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car lease $525/m<br>Job expenses pay for most other out of pocket like cell phone and gas. |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | No housing related costs |
Please explain the reason why you carry a large revolving credit balance. | It was intended to be temporary and will be paid off once I consolidate. |
If you are paying a mortgage, please break down all monthly housing related expenses (mortgage payment, insurance, taxes, etc). | No mortgage |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Student loans $120/m<br>About 7 credit cards comprise most of my monthly expenses about $200 each a month with interest rates that range btw 0 - 19%. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Student loans $120/m<br>About 7 credit cards comprise most of my monthly expenses about $200 each a month with interest rates that range btw 0 - 19%. |
Which debts do you plan to pay off with this loan? | Credit Cards |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Consolidating all debt first and what ever is left over is going into investment property. |
Please explain the reason why you carry a large revolving credit balance. | It was intended to be temporary and will be paid off once I consolidate. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | Student loans $120/m<br>About 7 credit cards comprise most of my monthly expenses about $200 each a month with interest rates that range btw 0 - 19%. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car lease $525/m<br>Job expenses pay for most other out of pocket like cell phone and gas. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Car lease $525/m<br>Job expenses pay for most other out of pocket like cell phone and gas. |
Member Payment Dependent Notes Series 1423911
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1423911 |
$20,000 |
$20,000 |
21.98% |
1.00% |
July 24, 2012 |
July 29, 2017 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1423911. Member loan 1423911 was requested on July 15, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $8,583 / month |
Current employer: | Southwestern VT Medical Center | Debt-to-income ratio: | 21.62% |
Length of employment: | 10+ years | Location: | BENNINGTON, VT |
Home town: | |||
Current & past employers: | Southwestern VT Medical Center | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/15/12 > Hello,<br>The loan I am applying for is to consolidate my debt expenses.<br><br> Borrower added on 07/16/12 > Hello Again,<br>I wanted to add clarity for the expectation of these funds. I will be paying off the credit card debt I have accrued over the years. <br><br>Thank you for your consideration<br>
A credit bureau reported the following information about this borrower member on July 15, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 34 | Months Since Last Delinquency: | 60 |
Revolving Credit Balance: | $11,623.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 89.40% | 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 monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: $650<br>Monthly utility expenses: $500 (electric, phone, cable, insurance)<br>Montly vehicle expenses: $900<br>Estimated monthly food and family expense: $600 to $800<br>School Loan monthly expense: $222 |
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: 21812 with variable interest rates up to 28%<br>I do not hold a mortage<br>School loan debt: 12184<br><br>I will be using these funds to pay off credit card debt. <br><br>Thank you for your consideration and questions. |
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: 21812 with variable interest rates up to 28%<br>I do not hold a mortage<br>School loan debt: 12184<br><br>I will be using these funds to pay off credit card debt. <br><br>Thank you for your consideration and questions. |
Please explain the reason why you carry a large revolving credit balance. | My large credit balance is due to a number of things. A large portion was to assist me while working and going to school. <br>My plan is to pay it all off and remain without credit balances. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent: $650<br>Monthly utility expenses: $500 (electric, phone, cable, insurance)<br>Montly vehicle expenses: $900<br>Estimated monthly food and family expense: $600 to $800<br>School Loan monthly expense: $222 |
Member Payment Dependent Notes Series 1423959
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1423959 |
$17,000 |
$17,000 |
18.75% |
1.00% |
July 20, 2012 |
July 29, 2015 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1423959. Member loan 1423959 was requested on July 15, 2012 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: | Nimble Storage | Debt-to-income ratio: | 11.31% |
Length of employment: | 1 year | Location: | Los Gatos, CA |
Home town: | |||
Current & past employers: | Nimble Storage | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/15/12 > I would like a loan to refinance my credit card debt. I have been able to make the minimum payments on time but the balances have not decreased as the APR's are 29.99%.<br>
A credit bureau reported the following information about this borrower member on July 15, 2012:
Credit Score Range: | 660-678 | 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: | 37 | Months Since Last Delinquency: | 24 |
Revolving Credit Balance: | $20,784.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 42.90% | 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 monthly expenses for rent, transportation, utilities, phone, insurance, and food total $2800 a month |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | My minimum monthly payments on the credit cards are $584. With this loan it will be $621 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses for rent, transportation, utilities, phone, insurance, and food total $2800 a month |
Member Payment Dependent Notes Series 1424070
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1424070 |
$21,125 |
$21,125 |
19.72% |
1.00% |
July 24, 2012 |
July 29, 2017 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1424070. Member loan 1424070 was requested on July 15, 2012 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: | Frasco fuel oil | Debt-to-income ratio: | 22.17% |
Length of employment: | 9 years | Location: | Westfield, MA |
Home town: | |||
Current & past employers: | Frasco fuel oil | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/15/12 > I just want to get these credit cards paid off and have one payment.<br>
A credit bureau reported the following information about this borrower member on July 15, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 05/2001 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 9 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 19 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $25,268.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 71.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1424194
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1424194 |
$8,000 |
$8,000 |
17.77% |
1.00% |
July 24, 2012 |
July 29, 2015 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1424194. Member loan 1424194 was requested on July 15, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,167 / month |
Current employer: | Vibration Products | Debt-to-income ratio: | 10.23% |
Length of employment: | 3 years | Location: | NEW YORK, NY |
Home town: | |||
Current & past employers: | Vibration Products | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/16/12 > This loan will be paid off in full near the end of December 2012 with end of the year bonus. I did the 36 month loan to keep payments lower until that time.<br>
A credit bureau reported the following information about this borrower member on July 15, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/2002 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 5 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 22 | Months Since Last Delinquency: | 77 |
Revolving Credit Balance: | $13,306.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 83.70% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | $1,400 rent, $420 car and $165 cable/internet. insurance is paid for until end of year. food fluctuates. |
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 4 open cards just north of $12,000. 1 is 13%, 2 are 16-17% and one is 25% (lowest amount on this card). i was hit with a few large unexpected expenses (mainly car repair) in the last few months. student loans paid off, i do not have a mortgage ($1,400 per month in rent) and a car payment for $420. |
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 4 open cards just north of $12,000. 1 is 13%, 2 are 16-17% and one is 25% (lowest amount on this card). i was hit with a few large unexpected expenses (mainly car repair) in the last few months. student loans paid off, i do not have a mortgage ($1,400 per month in rent) and a car payment for $420. |
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 4 open cards just north of $12,000. 1 is 13%, 2 are 16-17% and one is 25% (lowest amount on this card). i was hit with a few large unexpected expenses (mainly car repair) in the last few months. student loans paid off, i do not have a mortgage ($1,400 per month in rent) and a car payment for $420. |
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 4 open cards just north of $12,000. 1 is 13%, 2 are 16-17% and one is 25% (lowest amount on this card). i was hit with a few large unexpected expenses (mainly car repair) in the last few months. student loans paid off, i do not have a mortgage ($1,400 per month in rent) and a car payment for $420. |
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 4 open cards just north of $12,000. 1 is 13%, 2 are 16-17% and one is 25% (lowest amount on this card). i was hit with a few large unexpected expenses (mainly car repair) in the last few months. student loans paid off, i do not have a mortgage ($1,400 per month in rent) and a car payment for $420. |
Member Payment Dependent Notes Series 1424344
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1424344 |
$10,000 |
$10,000 |
15.31% |
1.00% |
July 23, 2012 |
July 29, 2015 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1424344. Member loan 1424344 was requested on July 15, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | MORTGAGE | Gross income: | $2,500 / month |
Current employer: | Metro Social Services Inc. | Debt-to-income ratio: | 15.03% |
Length of employment: | < 1 year | Location: | Minneapolis, MN |
Home town: | |||
Current & past employers: | Metro Social Services Inc. | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/15/12 > My loan is to pay off credit card debt. I have two credit cards from Wells Fargo and Wells Fargo Financial in a total amount of 5.000 and 2.800. I also have a Menard's big card with a high interest rate. I struggling with a lot of payments monthly, up to 6 or 700.00 $. One monthly payment will help.<br>
A credit bureau reported the following information about this borrower member on July 15, 2012:
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: | 24 |
Revolving Credit Balance: | $9,283.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 63.60% | 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 current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | My monthly expenses vary between $1.500 and $1.600. I get help from my kids with some of the expenses such as internet and cellphone bill.My mortgage is $7.63 per month. I do not have payment on my card and I paid for my car insurance twice a year. |
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. | I have two credit cards of $5.000 and $2.800 + a store card of $1.500. First of all, I've never paid a minimum payment. I do paid at least three times the minimum. The outstanding balance is 5.00 and 2.200 + 1.500. I don't know the interest rate of each of them. What I do know is that the interest rate of the card of 5.000 is higher than the other one.What happened with the store credit card is that I took a promotional offer on construction material and couldn't paid off on time. |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | I do not paid the minimum payment, never. I paid between 600 and 700.00 dollars every month. I'm asking for this loan to paid off the debt and have only one monthly payment. I also want to be able to paid of this loan before the term because I want to be debt free and start saving money for my retirement. |
If you have a delinquency in the last 2 years, please explain the reason. | I don't recall any delinquency history in my life. I always always try, very hard to pay on time and at least twice the minimum payment. |
Member Payment Dependent Notes Series 1424458
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1424458 |
$4,800 |
$4,800 |
13.11% |
1.00% |
July 24, 2012 |
July 29, 2015 |
July 29, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1424458. Member loan 1424458 was requested on July 15, 2012 by a borrower member with the following characteristics, which have not been verified unless noted with an "*":
Home ownership: | RENT | Gross income: | $7,000 / month |
Current employer: | Union Pacific Railroad | Debt-to-income ratio: | 19.09% |
Length of employment: | 9 years | Location: | Vancouver , WA |
Home town: | |||
Current & past employers: | Union Pacific Railroad | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/15/12 > Consolidate bills and miscellaneous debt<br>
A credit bureau reported the following information about this borrower member on July 15, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1996 | 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: | $2,743.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 80.70% | 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 |
Which debts do you plan to pay off with this loan? | Credit cards with about $2000 balance at 16 to 18 percent interest rate. Pay a personal loan from a friend that was used to travel to New York for daughters surgery. |
Member Payment Dependent Notes Series 1425159
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1425159 |
$12,000 |
$12,000 |
14.33% |
1.00% |
July 24, 2012 |
July 30, 2017 |
July 30, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1425159. Member loan 1425159 was requested on July 16, 2012 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: | CoreBTS | Debt-to-income ratio: | 25.21% |
Length of employment: | 1 year | Location: | DOWNINGTOWN, PA |
Home town: | |||
Current & past employers: | CoreBTS | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/18/12 > install HVAC in our vacation rental property<br>
A credit bureau reported the following information about this borrower member on July 16, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/1989 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 27 | Months Since Last Delinquency: | 43 |
Revolving Credit Balance: | $31,302.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 48.30% | 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. | On May 1st we went to settlement on a vacation rental property in the Poconos. I used my VISA and Lowe's credit cards to provide new furniture, bedding, appliances, etc. as the place hadn't been updated in years. Prior to May 1st I hadn't used my Lowe's credit card in years and my VISA card was under 10K (used primarily to assist my daughter and son in continuing education classes towards MBA). |
Member Payment Dependent Notes Series 1425275
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1425275 |
$10,000 |
$10,000 |
14.33% |
1.00% |
July 20, 2012 |
July 30, 2015 |
July 30, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1425275. Member loan 1425275 was requested on July 16, 2012 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: | Madigan's Waterfront Inc. | Debt-to-income ratio: | 12.60% |
Length of employment: | 10+ years | Location: | STAFFORD, VA |
Home town: | |||
Current & past employers: | Madigan's Waterfront 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 16, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 12/1996 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 17 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $14,177.00 | 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 1425428
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1425428 |
$14,400 |
$14,400 |
19.05% |
1.00% |
July 20, 2012 |
July 30, 2015 |
July 30, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1425428. Member loan 1425428 was requested on July 16, 2012 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: | Department of Justice | Debt-to-income ratio: | 10.35% |
Length of employment: | 2 years | Location: | WASHINGTON, DC |
Home town: | |||
Current & past employers: | Department of Justice | ||
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 16, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 8 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 23 | Months Since Last Delinquency: | 47 |
Revolving Credit Balance: | $16,314.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 77.30% | 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)? | Rent: $1600; Utilities: $0 (Included in Rent); Phone: $180 (Cell/data); Insurance $60 (renters/non-driving car insurance); Transportation (0$ - Federal Government Funded) |
What are your monthly expenses related to housing (rent, mortgage(s), home equity loan and / or line of credit, utilities, insurance, taxes, etc)? | Rent: $1600; Utilities: $0 (Included in Rent); Phone: $180 (Cell/data); Insurance $60 (renters/non-driving car insurance); Transportation (0$ - Federal Government Funded) |
What is your total minimum monthly payments for all credit cards and what will it be including this loan and the payoff? | $550 before loan (hopefully 0$ after loan); with loan: $560 |
What is the total balance of your credit cards, interest rates and current monthly payments? | AMEX: $7353.49; Capital One: $4508; TargetCard: $2539; CreditOne: $497; PNC Credit Line: $1258; Best Buy: $950 |
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: $7,353.49, Int rate 22% ($140 min); CapitalOne:$4508.68, Int Rate %18, (Min $95); Target Card: $2,539.22 Int Rate %18, (Min $80); CreditOne: $497.78 10% Int, (Min $50); BestBuy: $900, Int rate 0%, (Min $50) |
What is the total balance of your credit cards, interest rates and current monthly payments? | AMEX: $7353.49; Capital One: $4508; TargetCard: $2539; CreditOne: $497; PNC Credit Line: $1258; Best Buy: $950 |
Member Payment Dependent Notes Series 1425625
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1425625 |
$7,000 |
$7,000 |
15.31% |
1.00% |
July 23, 2012 |
July 30, 2015 |
July 30, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1425625. Member loan 1425625 was requested on July 16, 2012 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: | Dana Kepner | Debt-to-income ratio: | 15.64% |
Length of employment: | 5 years | Location: | Denver, CO |
Home town: | |||
Current & past employers: | Dana Kepner | ||
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 16, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 06/1995 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 11 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 40 | Months Since Last Delinquency: | 42 |
Revolving Credit Balance: | $11,529.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 76.40% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Member Payment Dependent Notes Series 1425861
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1425861 |
$4,800 |
$4,800 |
17.77% |
1.00% |
July 20, 2012 |
July 30, 2015 |
July 30, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1425861. Member loan 1425861 was requested on July 16, 2012 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: | Texas Dept. Of Criminal Justice | Debt-to-income ratio: | 8.07% |
Length of employment: | 10+ years | Location: | Harker Heights, TX |
Home town: | |||
Current & past employers: | Texas Dept. Of Criminal Justice | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/16/12 > The loan you provide me with will go toward a consolidation of debts and a few accesory items to protect the future resale value of my car.. Id be happy to answer any questions,as I cannot provide further details in this description. Thank you so much for this opportunity.<br>
A credit bureau reported the following information about this borrower member on July 16, 2012:
Credit Score Range: | 714-749 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 11/1997 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 2 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 6 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $0.00 | Public Records On File: | 0 |
Revolving Line Utilization: | n/a | 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? | I have two personal loans that have a rediculously high interest rate that I would like to pay off. That is my primary concern |
What is your intended use for the loan proceeds? | My primary concern is to pay off two personal loans that have rediculously high interest. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | After my bills and food and gas to drive to work,and a little extra for misc. I have about $300 left to do whatever I want with. Note that this loan I am applying for will replace two loans I wish to consolidate due to high intrest rates. I dont have credit cards. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I only have a car note at 2.6%, and two personal loans that I want to pay off an consolidate due to high intrest rates of 34% & 26%. They were good to help build my credit,but that interest is rediculous. I pay $300 for rent and utilities,then cell phone,insurance,i spend a bit in gas getting to work. I have no student loans or credit cards. |
Which debts do you plan to pay off with this loan? | I have two personal loans that have a rediculously high interest rate that I would like to pay off. That is my primary concern |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I only have a car note at 2.6%, and two personal loans that I want to pay off an consolidate due to high intrest rates of 34% & 26%. They were good to help build my credit,but that interest is rediculous. I pay $300 for rent and utilities,then cell phone,insurance,i spend a bit in gas getting to work. I have no student loans or credit cards. |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | My priority is to pay off two smaller personal loans that have super high intrest. Then id like to buy just a few accesories for my car to help retain its condition for future resale value,a bra,lens covers and seat covers,dashmat. Nothing extravagant. Anything left over Ill just leave in the bank in case something arises. |
What are your current debt balances, interest rates, and monthly payments by type (credit cards, student loans, mortgages, lines of credit, etc)? | I only have a car note at 2.6%, and two personal loans that I want to pay off an consolidate due to high intrest rates of 34% & 26%. They were good to help build my credit,but that interest is rediculous. I pay $300 for rent and utilities,then cell phone,insurance,i spend a bit in gas getting to work. I have no student loans or credit cards. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | After my bills and food and gas to drive to work,and a little extra for misc. I have about $300 left to do whatever I want with. Note that this loan I am applying for will replace two loans I wish to consolidate due to high intrest rates. I dont have credit cards. |
Member Payment Dependent Notes Series 1425987
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1425987 |
$7,000 |
$7,000 |
23.76% |
1.00% |
July 24, 2012 |
July 30, 2015 |
July 30, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1425987. Member loan 1425987 was requested on July 16, 2012 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: | Ramada Hotel | Debt-to-income ratio: | 16.66% |
Length of employment: | 5 years | Location: | Quincy, MA |
Home town: | |||
Current & past employers: | Ramada Hotel | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/16/12 > This loan is to pay off credit cards and other bills that have a higher interest rate.<br><br> Borrower added on 07/17/12 > I am looking at paying off my credit cards and also to do some home improvement.<br>
A credit bureau reported the following information about this borrower member on July 16, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 10/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 27 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 39 | Months Since Last Delinquency: | 40 |
Revolving Credit Balance: | $6,697.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 93.00% | 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)? | My current debt balances are a total of $7,900 and the total monthly payments are $190 and the limits total are $9,400. My mortgage is $1,135.00 and I have no student loans due right now since I am still in school for about 1 more year. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $1,135<br>Utilities $120<br>Phone $50<br>Food $150 - $200 monthly |
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 a total of $7,900 and the total monthly payments are $190 and the limits total are $9,400. My mortgage is $1,135.00 and I have no student loans due right now since I am still in school for about 1 more year. |
Which debts do you plan to pay off with this loan? | I plan on paying off a majority of my credit cards. |
Please explain the reason why you carry a large revolving credit balance. | I have been carrying a high revolving credit balance sine I purchased my new home about a year ago and I haven't been able to pay much more than the minimum balance due on each of my cards. |
What is your intended use for the loan proceeds? | I plan on paying off a majority of the credit cards and I have some work that needs to be done on my home too. |
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 a total of $7,900 and the total monthly payments are $190 and the limits total are $9,400. My mortgage is $1,135.00 and I have no student loans due right now since I am still in school for about 1 more year. |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Mortgage $1,135<br>Utilities $120<br>Phone $50<br>Food $150 - $200 monthly |
What is your intended use for the loan proceeds? | I plan on paying off a majority of the credit cards and I have some work that needs to be done on my home too. |
If you have a delinquency in the last 2 years, please explain the reason. | I have no delinquency in the past 2 years. |
Please explain the reason why you carry a large revolving credit balance. | I have been carrying a high revolving credit balance sine I purchased my new home about a year ago and I haven't been able to pay much more than the minimum balance due on each of my cards. |
If you have a public record on file, please briefly explain the event and its resolution. | I have no public record on file. |
Member Payment Dependent Notes Series 1427415
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1427415 |
$10,800 |
$10,800 |
17.77% |
1.00% |
July 23, 2012 |
July 30, 2015 |
July 30, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1427415. Member loan 1427415 was requested on July 16, 2012 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: | Military US Navy | Debt-to-income ratio: | 24.11% |
Length of employment: | 10+ years | Location: | Springfield, VA |
Home town: | |||
Current & past employers: | Military US Navy | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/17/12 > This loan is for medical expenses that my insurance does not cover.<br>
A credit bureau reported the following information about this borrower member on July 16, 2012:
Credit Score Range: | 660-678 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 09/2000 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 13 | Delinquencies (Last 2 yrs): | 5 |
Total Credit Lines: | 46 | Months Since Last Delinquency: | 8 |
Revolving Credit Balance: | $10,082.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 64.60% | 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)? | Rent 900, Phone/Cable/Internet 120.00, ATT mobile 83.00 Insurance 80.00, power bill 140.00<br>Rental Income 942.00 Mortage held by chase in the amount of 783.00<br>Car 680.00 |
If using your loan for multiple purposes, what are the purposes and how are you allocating the money across them? | Must pay Medical expenses upfront. Funds would go directly to Doctor. |
Member Payment Dependent Notes Series 1428801
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1428801 |
$2,500 |
$2,500 |
13.11% |
1.00% |
July 23, 2012 |
July 31, 2015 |
July 31, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1428801. Member loan 1428801 was requested on July 17, 2012 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: | State of New Mexico | Debt-to-income ratio: | 12.50% |
Length of employment: | 4 years | Location: | Albuquerque, NM |
Home town: | |||
Current & past employers: | State of New Mexico | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/17/12 > First loan to pay off cards. Thank you for consideration!<br><br> Borrower added on 07/17/12 > I am 100% committed to being more financially responsible.<br><br> Borrower added on 07/18/12 > Thank you to those who have invested thus far, I really appreciate it. I'm just waiting for bank verification and hopefully everything goes well from there.<br><br> Borrower added on 07/19/12 > I have been on a 4 year journey to become debt free and there has definitely been challenges along the way but I am committed and I know that I can do this. Thank you again for investing in my loan and my future!<br>
A credit bureau reported the following information about this borrower member on July 17, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 01/2003 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 4 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 20 | Months Since Last Delinquency: | 36 |
Revolving Credit Balance: | $1,527.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 95.40% | 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 was the poster child for opening credit cards to get discounts, everything my father told me not to do I did, and it kind of snowballed from there. I have not established any new credit for the past 3 years and have worked hard to bring the balances down and currently work 2 jobs to do so but would like to lower my monthly payments. |
Which debts do you plan to pay off with this loan? | 2 credit cards with high APR |
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 debt balance Approx 5500 (Only looking to lower interest rate on 2, ok with others)<br>Student loan Approx $2300 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $700<br>Transportation $150 (gas)<br>Utilities $75<br>Phone $35<br>Insurance $75<br>Food $300 |
What are your current monthly expenses (rent, transportation, utilities, phone, insurance, food, etc)? | Rent $700<br>Transportation $150 (gas)<br>Utilities $75<br>Phone $35<br>Insurance $75<br>Food $300 |
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 debt balance Approx 5500 (Only looking to lower interest rate on 2, ok with others)<br>Student loan Approx $2300 |
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 debt balance Approx 5500 (Only looking to lower interest rate on 2, ok with others)<br>Student loan Approx $2300 |
Member Payment Dependent Notes Series 1430877
Series of Member Payment Dependent Notes |
Aggregate principal amount of Notes offered |
Aggregate principal amount of Notes sold |
Stated interest rate |
Service Charge |
Sale and Original Issue Date |
Initial maturity |
Final maturity |
Amount of corresponding member loan funded by Lending Club |
1430877 |
$1,500 |
$1,500 |
12.12% |
1.00% |
July 24, 2012 |
August 1, 2015 |
August 1, 2017 |
$0 |
This series of Notes was issued upon closing and funding of member loan 1430877. Member loan 1430877 was requested on July 18, 2012 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: | farrish of fairfax inc | Debt-to-income ratio: | 14.48% |
Length of employment: | 10+ years | Location: | manassas, VA |
Home town: | |||
Current & past employers: | farrish of fairfax inc | ||
Education: |
This borrower member posted the following loan description, which has not been verified:
Borrower added on 07/18/12 > looking to up grade some house hold stuff like new couch and new mattress and tv<br><br> Borrower added on 07/18/12 > HELLO LENDING TREE CLUB IAM LOOKING TO ADD TO MY EXISTING LOAN BALANCE THAT I CURRENTLY HAVE WITH YOU. I AM LOOKING FOR AMOUNT OF 1500.00 FOR 36 MONTHS. THE THING'S I WISH TO BUY ARE ITEMS THAT I NEED TO REPLACE AROUND THE HOUSE ARE ONE BUY A NEW KING SIZE BED, BUY A NEW COUCH AND NEW TV THANK YOU<br>
A credit bureau reported the following information about this borrower member on July 18, 2012:
Credit Score Range: | 679-713 | Accounts Now Delinquent: | 0 |
Earliest Credit Line: | 02/1986 | Delinquent Amount: | $0.00 |
Open Credit Lines: | 6 | Delinquencies (Last 2 yrs): | 0 |
Total Credit Lines: | 21 | Months Since Last Delinquency: | n/a |
Revolving Credit Balance: | $22,404.00 | Public Records On File: | 0 |
Revolving Line Utilization: | 62.80% | Months Since Last Record: | n/a |
Inquiries in the Last 6 Months: | 0 |
Prospectus Supplement (Sales Report) No. 49 dated July 24, 2012