What investors need to know about the personal loan market

The personal loan market is emerging as a strong opportunity for institutional investors, offering attractive yields—typically between 6–8%—and short durations that complement traditional fixed-income portfolios. Many borrowers in this space are employed, mid-career individuals using personal loans to refinance high-interest credit card debt, resulting in solid credit performance. With more than $250 billion in outstanding balances and continued growth in loan originations, the sector has become an increasingly important part of the consumer credit landscape. Fintech platforms like LendingClub provide institutional investors with efficient access to this asset class without the need to build in-house lending infrastructure.

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What investors need to know about the personal loan market

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