LendingClub.com will give you $64.62 in free money when you open a free investment account and link it to your bank account.  But hurry, this deal expires December 31st.

And the best part?…  You don’t need to deposit funds to get the bonus!  Although, once you test-drive Lending Club, I’m confident you’ll get hooked because of the great returns you could make.

What’s Lending Club?

You’ve probably read about them in The Wall Street Journal or saw them featured on CBS News.

Lending Club facilitates personal loans between people – called “social lending.”

But don’t let the idea put you off…

It’s 100% regulated by the SEC and notes are offered via a prospectus.

Borrowers also need at least a 660 FICO score and debt-to-income (DTI) ratios below 25% (excluding mortgages) to request a loan.  They also can’t have any delinquencies within the last 12-months.

Less Risk – Higher Gains

You can start investing with as little as $25.  (And since Lending Club is giving you $64.62 to get started, there’s no risk or upfront investment for you.)

Loans are split-up into $25 “notes.”  So, conceivably, 40 people could fund a $1,000 loan – each investing $25 apiece.

This also makes it easy for you to balance higher returns with lower risk.  If you invest $1,000 across 40 loans, you’d likely come out ahead, even if a few loans went bad.

Although there are few “safe” investments (at least if you want to beat inflation,) Lending Club’s 9.67% net annualized return seems a lot safer than investing in the stock market.  And – a smarter choice than plunking your money into a savings account or CD that pays next to nothing.

Lending Club’s net annualized return beat the S&P 500, Nasdaq, Bond Index and Treasury Yields over the past 2 1/2 years!  What’s more, 42.5% of Lending Club investors are averaging over 12% per year – I’m one of them!

How I Earn 13.50% With Lending Club

My Annualized Return on Lending Club

Investing in loans doesn’t have to be risky.  That’s because you can narrow-down your choices using “filters.”  For example, my criteria include:

  • No delinquencies within the last 2 years
  • Debt-to-income below 15%
  • Loan funded at least 50%
  • Verified income

A search today turned up 5 loans meeting these criteria, ranging from 8.94% to 15.65%.  Loan interest rates are based on the buyer’s risk class, which is based on their credit.

Start Investing Smarter Today with Lending Club

To start investing with Lending Club and get $64.62 in free money, click here now.  Remember, all you have to do is open an investor account and link your bank account to it to get the moolah.

Why $64.62?…  Because last quarter banks made $6.462 billion dollars in profit, and it’s high-time you get your share!

To Free Money!
Jake Ingalls

P. S. Have you tried Lending Club?  Then please share your experiences by commenting below…

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