I just got a chance to look up the Lending Club. So you are:
1. investing about 1/3 of your savings in, essentially, junk bonds
2. investing in a product, more specifically, with barely five years of history
3. paying at least 1% in fees, and up to 30% if the loans go to a collection agency
4. doing this with a 25% tax drag
This is insane. Junk bonds have a level of risk similar to stocks, but with very limited upside in comparison due to the nature of fixed-income. This is why all researchers (even people on the fringe like Taleb and Zvi Bodie) conclude that you should take your risk with equities and use fixed-income to keep the rest of your money safe.
I would liquidate your investments at the Lending Club, come up with a more conventional asset allocation (common stocks and investment-grade bonds) for your whole portfolio, and implement it in a low-cost, tax efficient manner.
By the way, I'm reminded of something written on the BadMoneyAdvice blog a few years ago about p2p lending (after the author failed to get any return on his investment)...
What could we have possibly been thinking? Granted, it is pretty clear that in the middle of the last decade those professional loan officers did not do a very good job. But they screwed up by being too permissive, not by missing out on opportunities to lend to our trustworthy and wholesome peers.