<prompt> Human: SPOILER ALERT: It wasnt great.Playing with a mere 100, today was 2 years and 2 months since I deposited and started loaning money in small chunks, reinvesting as soon as Id get a chunk of 10 or so back in principal to grab another chunk of another loan. The stats:17 fully paid4 charged off2 outstanding and currentLending Club uses grades to give you a little more guidance as to the safety of the loan. The grades also determine to a certain point what APR the person gets on their loan, or that is my understanding. Grades for my loans were as follows: A: 4 fully paid B: 4 fully paid, 1 charged off, 25 chargeoff rate C: 6 fully paid, 2 charged off, 1 current, 16.67 chargeoff rate D: 3 fully paid, 1 charged off, 33 chargeoff rate E: 1 currently open and currentBalance as of today: 63.44 despite collecting 26 in interest over the two years on my 100. I have no real argument or conclusions to draw from this. Just thought Id share. This isnt meant to be an indictment or promotion of Lending Club in any way.EDIT: As several have noted, playing with 100 was probably destined to lose. Please dont take this post alone as bad news for those looking to invest. Read the comments, plenty have done well if they invested heavily and were fairly picky and consistent with their loans.  <response>: Straight from them. Diversify, and have enough initial capital otherwise you are wasting your time. I dont even invest through them, and I know this. This post is straight up bad info and misleading. 