It gives you a model for 3-30 month returns, adjusted for losses. I have an experimental amount invested in LendingClub, about 85% loaned out at the moment, and have been in for only a quarter year so far. I've been hand picking loans in small increments, but it's too early to say anything about the quality of my pick criteria because so far there hasn't been so much as a late payment yet.
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I found this data the most informative: https://www.lendingclub.com/info/statistics-performance.acti...
It gives you a model for 3-30 month returns, adjusted for losses. I have an experimental amount invested in LendingClub, about 85% loaned out at the moment, and have been in for only a quarter year so far. I've been hand picking loans in small increments, but it's too early to say anything about the quality of my pick criteria because so far there hasn't been so much as a late payment yet.