Insights from a Lending Club Investor

In order to increase my overall ROI with Lending Club, I set up a pretty strict filter on  I only invest in high return loans, and filter out high risk characteristics such as loans for education or loans to people that have not held long term employment.  Historically, the data has shown that these loans are more likely to default.  Because my filter was so strict, I’ve found it a slow process to get $10,000 invested in active loans while diversifying at $25/loan.  About 2 months ago, I transitioned from $25/note to $50/note so I could get the rest of my money actively invested.


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