May the Odds be in Your Favor...

Peer to Peer Banking is an online system that allows individual members to complete financial transactions with one another by using an auction style process that lets members offer loans for a specific amount, at a specific rate. Buyers have the option to look for an amount and rate of interest that meets their needs. All members are categorized by their risk level. Personal loans as low as 9.6% APR Members can browse for other people based on various demographic information. Since P2P banking does not use third party banking institution intermediaries the rates and terms are often much more favorable for the members. With the growth of internet technologies new business models evolved to remove the intermediaries like * Employment portals - get employees and employers together * Auction portals - get buyers and sellers together Need Money? Need a personal loan?

If you have good credit, you can borrow money at a low interest rate?one that's lower than those available from conventional sources. Lending Club takes care of all the legwork, from helping you secure funds at the lowest possible fixed rate to automating the repayment process for "set it and forget it" convenience.

Need cash quick but you're caught between paydays? We have the solution! By filling out this 2-minute form you may qualify for a cash advance for up to $1,000 with a participating lender! Once you have filled out your online request, on the final page of the form, you will be given directions that you must follow to complete the process. Once approved, your cash is usually deposited in your bank account that evening by a participating lender. When due, your cash advance plus fees are automatically deducted from your bank account by the lender. Getting The Cash You Need Is That Easy!!

You can borrow anywhere from $1,000 to $25,000 as an unsecured loan, to be used for just about any purpose. Here are just a few examples of why borrowers join our community:

* Debt Consolidation Loans

* Housing & Home Improvement Loans

* Auto Loans * Home & Small Business Loans

* Student Loans

A Social Finance Mutual Fund The National Retail Fund is a mutual fund that invests in consumer notes representing loans to prime borrowers. As an investor, you can buy shares in the National Retail Fund and participate in the returns that the consumer notes may deliver. These loans represent American borrowers who want to build a small business, go back to school, make home improvements, refinance high interest credit cards or auto loans. Click here to learn how it works and start investing today.

7 Reasons to Become an Investor

1. You can earn better returns, In the past 20 months, Lending Club investors have earned an average annual return of 9.05%. Read the report by Javelin Research.

2. It's straightforward The money you invest directly funds loans made to creditworthy borrowers.

3. We're selective, Many borrowers apply, but less than one in six are accepted. Lending Club approves only creditworthy borrowers as members.

4. It's easy We make it easy to build a portfolio based on your criteria. Most lending members spread their investment cross tens or hundreds of qualified borrowers.

5. We set fair and fixed rates, Our rates are based on historical trends and the current economic climate. Borrowers pay a fixed rate for the 3 year life of the loan.

6. You get flexibility You can reinvest any interest and principal payments each month or withdraw them like an annuity. You can also put your notes up for sale at any time on the Note Trading Platform.

7. Do good while doing well