As the lead marketing writer for a major credit union, I see the ins and outs of the financial world from a unique perspective. Few people in the organization know the full spectrum of products and services like I do, and even fewer have to try to figure out how to best sell them. Thankfully, [...]

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Continue reading → Ask the Guy on the Inside

Earlier this month, while you weren’t looking, Lazy Man and Money celebrated it’s two year birthday.
The Good and The Bad
The other day, I looked at some of my first posts and I laughed and cried about the roller coaster of good and bad ideas I’ve had when starting out. Two years ago, I was seriously considering buying a condo hotel in Las Vegas. Good thing I didn’t because a year later the W in Las Vegas was canceled. I rationalized my decision this way:
In the end, I feel that it’s probably pure speculation. Something that you buy [...]

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Continue reading → Two Years of Lazy Man and Money

The time is here, the time is now. The air of summer is nibbling at the ears of millions of college kids across the nation, and a rising hum of anticipation is heard among a student populace itching for a change of season, a change of pace, a change of something…
One thing is for certain. [...]

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Continue reading → Kick-Ass Student Summer Jobs: The Complete Guide

When we think about the benefits offered by employers, insurance (health, vision, dental, life, and disability), retirement plans, and flexible spending accounts are probably the first things that come to mind. Those are great benefits that should be taken advantage of, but another that should not be overlooked is the availability of employee discounts.
Employee discounts [...]

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Continue reading → Employee Discounts

As home values across the country have declined, and new credit is more difficult to come by, Americans all across the country are reaching for their credit cards more than ever before.
Data from the Federal Reserve released this month showed American credit card debt has reached $951.7 billion. This number is up 8.2 percent from [...]

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Continue reading → Credit Cards: Just Say “No” to Plastic

Lending Club has started a process to register, with the appropriate securities authorities, promissory notes that may be offered and sold to lenders through our site in the future. Until we complete the registration process, we will not accept new lender registrations or allow new commitments from existing lenders. We will continue to service all [...]

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Continue reading → Lending Club goes quiet

Today, we happily deployed the second iteration of our company blog.
If you’ve been following Lending Club since we launched last May, you’ll recall that our deployment path was first as a Facebook application, represented primarily through posts on this blog, and at the time Lending Club was available to Facebook members only. In the [...]

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Continue reading → Social Lending Blog v2

Free markets are characterized by prices that vary as a function of supply and demand, and Lending Club is no exception. Demand for loans within the Lending Club community has increased 3-fold in the last 30 days, soaring from 100 active listings in December to 300 active listings today. All loan requests are posted by [...]

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Continue reading → Base rate increases by 25 bps on Monday, January 21

With 18 days to go until we reach the end of our 5% Cash Bonus program, we want to update everyone on our progress:
• Our growth has been fantastic! We have reached $6MM in issued loans, and have over $3MM of loans in funding today, so our loan volume is growing extremely well
• Our [...]

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Continue reading → Update on the Thank You Program

We are pleased that we have recently earned the Better Business Bureau’s designation as a Reliable Online Business, certifying that Lending Club meets the BBB’s high standards for ethical online business practices.
We are committed to providing a safe and transparent platform where you can conduct business as borrowers and lenders. As a proud Reliable [...]

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Continue reading → Lending Club Earns Better Business Bureau Seal of Approval

We are focused on making our person-to-person lending site as simple and reliable as possible. As Barron’s wrote this weekend, Lending Club and other P2P lending sites strive to be “highly automated, remarkably transparent, and employ Web 2.0-era ways of matching borrowers to lenders.” To that end, we are releasing a series of improved [...]

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Continue reading → Lending Club Performance Updates

In free markets, prices vary with supply and demand, and Lending Club is no exception. Until now, the Lending Club social lending community has enjoyed a near-perfect equilibrium of supply and demand, with funds available to lend slightly exceeding qualified loan applications.
The relaunch of our Facebook application and the addition of other online communities [...]

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Continue reading → Base rate increases by 50 bps on Monday, December 24

Now that I have some spare time, I’ve been trying to get a few projects off the ground. One of those projects is launching a Carnival of Peer-to-Peer Lending. Today, I can finally say that I’ve made some headway. I’d like to announce the Carnival of Peer-to-Peer Lending. The website currently [...]

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Continue reading → Announcing the Carnival of Peer-to-Peer Lending

And here we are… Lending Club is finally available in California! Well, not just California. In fact we went National today, 6 months after the launch of our Facebook application and 3 months after the limited opening of our public website at www.lendingclub.com. In the last 6 months, Lending Club was not available to [...]

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Continue reading → Dude, get a loan!

When a group of major social networks - pretty much all those that matter other than Facebook - announces the adoption of open standards, that is effectively good news for all parties involved: good news for users, for developers and for the networks themselves.
We can debate how “open” the standard really is in [...]

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Continue reading → Lending Club and OpenSocial: Striving to Make Social Networks more Useful

Three questions: CEO Renaud Laplanche
Hi Renaud – What’s the latest news at Lending Club?
After we opened Lending Club beyond its original Facebook environment last month, we started developing partnerships that will extend Lending Club to a variety of existing communities and networks, beginning with three great universities.
Lending Club is available today to Kansas State [...]

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Continue reading → Lending Club now available to alumni of University of Michigan, Kansas State and Georgia Tech

With Lending Club’s recent expansion beyond Facebook, a new set of users has emerged. To coincide with that event, I’d like to discuss my personal finance philosophy and recurring themes from my previous posts to introduce myself to new users and give them an idea of what to expect from me.
Welcome
First and foremost, I would [...]

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Continue reading → Welcome to New Users

Building a p2p lending company from the ground up is a great challenge, and with each big release of features and functionality, our team takes a few minutes to cheer and then begins to look ahead.
Now that we have expanded beyond Facebook and can serve borrowers and lenders in (almost all of) the United States, [...]

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Continue reading → Product Development and You

This is it. The great moment we have been working towards: expanding Lending Club beyond Facebook and making it available to anyone out there looking for better rates. We continue to enhance and support our Lending Club application in Facebook, but now, users don’t have to be in Facebook to use our site. [...]

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Continue reading → Introducing…The new public Lending Club website

We will be taking the secure site http://secure.lendingclub.com down for about one hour tomorrow night at 8pm Pacific for a scheduled maintenance and upgrade. We apologize in advance for any inconvenience.
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Continue reading → Sunday August 26 Scheduled Maintenance at 8pm Pacific

As reported earlier yesterday afternoon, we are thrilled to announce that Norwest Venture Partners and Canaan Partners invested in the Company as part of a total $10.26MM investment round. Jeff Crowe from NVP and Dan Ciporin from Canaan Partners are joining the Company’s board of directors.
We launched the company as part of the Facebook [...]

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Continue reading → Welcome NVP and Canaan Partners

18 competitors, 4 winners, $8,000 in prizes, 100,000+ views
We have just announced on Facebook® the names of the 4 winners in the first Lending Club Video Contest. The Contest took place simultaneously on Facebook® and YouTube® from July 18th through August 10th and the Lending Club videos have been watched a combined 100,000 [...]

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Continue reading → Lending Club Video Contest Awards

We are blessed with a very vocal user base and have received many valuable comments since we launched. Your feedback continues to guide our ongoing efforts to improve the site. Here are some of the features we have recently added to further improve user experience on Lending Club.

Minimum loan request has been lowered to $500
It [...]

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Continue reading → Week 10: New Features!

We are pleased to announce that Lending Club is now welcoming borrowers from Arizona. To commemorate this occasion, we thought we’d share some fun facts we discovered about the 48th state.

• Arizona has the largest stand of ponderosa pines in the world. Arizona also has more parks and national monuments than any other state, [...]

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Continue reading → Welcome, Arizona!

We are about half-way through the first person-to-person lending YouTube Video Contest announced by Centernetwork, Prosperlendingreview and on this blog on July 19. The contest will be running for another 8 days until August 10.
The goal of this contest is to invite Lending Club users (and just about everyone) to think of entertaining or [...]

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Continue reading → Lending Club Video Contest Update: 12 videos, 12,000 views

On Thursday July 26, the Facebook community passed the mark of half a million dollars lent and borrowed! This milestone was passed 7 weeks after we announced the first loan on June 6, which is certainly faster than we anticipated.
We continue to be impressed with the rapid adoption. The Facebook F8 launch has helped spread [...]

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Continue reading → Half a Million Dollars in Facebook Loans

As recently reported by CenterNetworks and Prosperlending (we can’t seem to keep up with our own news). We just launched a contest on Facebook for the best video about person-to-person lending.
Anyone with a Facebook account can participate by making a short video and posting it in this Facebook group and on YouTube. The [...]

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Continue reading → Lending Club $5,000 Video Contest on Facebook