Who is eligible to borrow through Lending Club?
To borrow through Lending Club, you must be a US citizen or permanent resident, and at least 18 years old with a valid bank account and a valid Social Security number. At this time, we are not accepting loan applications from the following 10 States: Iowa, Idaho, Indiana, Kansas, Maine, Mississippi, North Carolina, North Dakota, Nebraska, and Tennessee. In order to qualify for listing a loan request, you will need a FICO score of at least 660 with a debt-to-income ratio (excluding mortgage) below 25%. In addition, your credit history must show that you are a responsible borrower: • at least 3 years of credit history, showing no current delinquencies, recent bankruptcies (7 years), open tax liens, charge-offs or non-medical collections account in the past 12 months, • no more than 10 inquiries on your credit report in the last 6 months, • a revolving credit utilization of less than 100%, and • more than 3 accounts in your credit report, of which more than 2 are currently open. We may re
