Is LendingClub Available in My State?

September 27, 2019

Is LendingClub available in my state? That is one of the most frequently asked questions from those thinking of borrowing or investing through LendingClub.

Ultimately, we want residents of all states to be able to borrow and invest through LendingClub. We’re always working to provide access to as many people as we can. However, currently, residents of some states may borrow but not invest, residents of some states can invest but not borrow, and many lucky folks can do both. To make it simple for you, below are up-to-date availability maps.

Where LendingClub Notes are Available:1

To invest in Notes through the LendingClub platform, you must reside in one of the following states or the District of Columbia: Alabama, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

If your state is not listed above, you may be eligible to trade Notes via the secondary market.2 At this time, Ohio residents are not able to invest in Notes.

Where Loans3 are Available:

LendingClub borrower state availability

To borrow through LendingClub, you must be over 18 years of age, a U.S. citizen or resident alien, and currently reside in the U.S. with a verifiable bank account. You must have a street, rural route or APO/FPO residential mailing address, a U.S. Social Security number (SSN), a valid government issued photo ID, and an email address. We currently facilitate loans in all U.S. states with the exception of Iowa and the U.S. territories. For more details about borrower eligibility and requirements, visit our Help Center.


1. Notes offered by prospectus filed with the SEC.
2. More information about Folio Investing is available here.
3. All loans made by WebBank, Member FDIC.

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