How does LenDenClub verify borrowers?

LenDenClub follows a highly selective and data-driven process to verify borrowers—so you can lend with confidence.

Here’s how it works:

Deep credit assessment: Each borrower is evaluated using 660+ data points, including banking behavior, income patterns, spending habits, and bureau data

Beyond just credit score: It’s not only about past history or income—we assess repayment capacity, financial discipline, and likelihood of delay

Strict selection:

Out of 100 applications, only about 10–15% are approved, ensuring only high-quality borrowers are listed.

What this means for you:

You’re lending to a carefully filtered pool of borrowers—helping improve portfolio quality while managing risk better.