Connect directly with borrowers and investors. Lower rates for borrowers, higher returns for investors than traditional banks.
$848M
Loans Originated
8.2%
Avg. Investor Return
152,340
Active Investors
3.4%
Default Rate
Simple, transparent peer-to-peer lending that benefits everyone
Diversify with $25
Spread your investment across 100+ loans
Auto-Investing
Set criteria and automatically fund matching loans
Secondary Market
Sell loan notes early for liquidity
Competitive Rates
Rates from 5.99% APR for qualified borrowers
Fast Funding
Get funded in as little as 24 hours
No Hidden Fees
Transparent origination fees, no prepayment penalty
Advanced features designed for modern peer-to-peer lending
Set your criteria and let our system automatically invest in loans that match your preferences
Advanced AI-powered credit scoring helps you understand the risk profile of each loan
Invest as little as $25 per loan and spread risk across hundreds of notes
Need liquidity? Sell your loan notes to other investors on our marketplace
Track your portfolio performance with detailed dashboards and insights
We handle late payment collections so you can focus on your investments
Join over 150,000 investors and 89,000 borrowers who trust LendCircle for their peer-to-peer lending needs.