I opened Lending Club account little less than 3 years ago. Lending Club reports my adjusted returns to be 9.91%. I currently have 300+ notes in my account though I usually sell notes that are underperforming on the secondary market typically at loss. I wouldn't invest any serious amount in LC as it is very new and unproven. Once LC becomes public, they most likely will start fleecing both borrowers and lenders to make its earnings/revenue numbers. The changes made this year are pretty indicative of this trend.