All you people whining and complaining, and falsely claiming that Lending Club is a scam need to just shut up. You didn't get your loan because you didn't qualify. Period. Doesn't mean that someone else won't take a chance on you. Doesn't mean you're a bad person. It just means you don't meet the stringent requirements of Lending Club. I applied for $30K for debt consolidation. Got through the process in two days. My money showed up in my checking account without any emails, conversations, etc. I just provided the information they asked for, they checked my credit, verified my account, and that was it. The never even asked for proof of what accounts I was going to consolidate; they just took me at my word that I would use the money as I said I would.
So please stop it with the talk of a "scam". Not every avenue is right for everyone. Doesn't mean it's a scam, just that it's not right for you.