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Is LendingClub Available in My State?

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. However, each state has individual laws about investments in securities, as well as lending rules and regulations. Consequently, it can sometimes be confusing – 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.

Here is an up-to-date view of states where residents can invest through the LendingClub platform:

LendingClub investor state availability


To invest in Notes through the LendingClub platform, you must reside in one of the following and the District of Columbia and meet that state’s financial suitability conditions: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Dakota, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, 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 FOLIOfn Investments, Inc. Note Trading Platform.*  At this moment, residents of Ohio are not eligible to trade Notes on the Note Trading Platform.

To borrow through LendingClub, you must be a US citizen, permanent resident, or be in the United States on valid long-term visa, and be at least 18 years old with a verifiable bank account. At this time, we are unable to facilitate loans to residents of Iowa.

LendingClub borrower state availability


For more details on borrower requirements, visit our help section on borrowing.

All loans made by WebBank, Member FDIC.

Notes offered by prospectus filed with the SEC.

More information about Folio Investing is available at

This blog post was last updated on September 12, 2016.

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