ca3b0d7d_g_Beyond_The_Bank___NerdWallet__4
[0] LendingClub [1] Yes — loans are made by WebBank, then financed by investor pool (retail and institutional). [2] There’s a one-time fee to set up the loan [3] Borrower [5] No. According to LendingClub, 99.9% of their borrowers use ACH payments from their checking accounts to automate the repayment process. [6] Yes [7] Unsecured [4] 
Yes – LendingClub files a monthly report with credit bureaus.
P2P Lending: Borrowing Beyond The Bank - NerdWallet
4