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As filed with the Securities and Exchange Commission on June 13, 2003                                        Registration No. 333-_____
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SECURITIES AND EXCHANGE
COMMISSION </FONT></P>

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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Washington, D.C. 20549 </FONT></P>

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     <P ALIGN=CENTER>_________________ </P>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>FORM S-8 <BR>REGISTRATION
STATEMENT<BR>Under<BR> THE SECURITIES ACT OF
1933</FONT></H1>




<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> <B>  E-LOAN, INC.</B><BR>(Exact name
of issuer as specified in its charter)</FONT> <BR><BR><BR>


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<TD ALIGN=CENTER WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Delaware<BR> (State or other jurisdiction of<BR> incorporation or organization)         </FONT></TD>
<TD ALIGN=CENTER WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>77-0460084<BR> (I.R.S. Employer Identification No.)            </FONT></TD>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> <B>  5875 Arnold Road,
Suite 100<BR> Dublin, California 94568</B><BR>  (Address of Principal
Executive Offices) (Zip Code)  </FONT></P>



<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> <B>1997 Stock Plan </B><BR>(Full title of the plan)   </FONT>


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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></P>

<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> <B>
Christian A. Larsen<BR>Chief
Executive Officer<BR>E-LOAN, Inc.5875 <BR>Arnold
Road, Suite 100 <BR>Dublin, California
94568 </B><BR>(Name and address of
agent for service)  </FONT></P>

<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> <B>(925) 241-2400 </B><BR>(Telephone
number, including area code, of agent for service) </FONT></P>

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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Copy to: </FONT></P>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Roger S. Mertz, Esq.Allen
<BR>Matkins Leck Gamble &amp; Mallory LLP <BR>333 Bush Street, Suite
1700<BR>San Francisco, California 94104-2806<BR>
(415) 837-1515 </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><BR>CALCULATION OF
REGISTRATION FEE </FONT></H1>

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     <TH COLSPAN="3" ALIGN="LEFT" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Title of Securities to be registered<BR><BR></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Amount to be<BR>
registered(1)(2)<BR><BR></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Proposed maximum<BR>
offering price per<BR>
share(3)<BR><BR></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Proposed maximum<BR>
aggregate offering<BR>
price(3)<BR><BR></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Amount of<BR>
registration fee<BR><BR></FONT></TH></TR>
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     <TD WIDTH="43" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1997 Stock Plan<BR>Common Stock, $0.001 par value(2)</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,500,000</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$5.525</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$8,287,500</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$670.46</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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          <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><SUP>(1)</SUP></FONT></TD>
          <TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
          These securities are of the same class and in addition to the 9,778,463 shares
          of Common Stock initially available to be granted under the 1997 Stock Plan, an
          employee stock option plan, and previously registered pursuant to Registration
          Statement No. 333-84211, and the additional shares made available under the 1997
          Stock Plan and previously registered pursuant to Registration Statement Nos.
          333-63372 and 333-100314. The total number of shares of Common Stock now
          issuable under the 1997 Stock Plan, as amended, is 17,898,375. </FONT></TD>
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          <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><SUP>(2)</SUP></FONT></TD>
          <TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
          Pursuant to Rule 416(a), also covers additional securities that may be offered
          as a result of stock splits, stock dividends or similar transactions. </FONT></TD>
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          <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><SUP>(3)</SUP></FONT></TD>
          <TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
          Has been estimated in accordance with Rule 457(c) under the Securities Act of
          1933, solely for the purpose of calculating the registration fee. No options
          have been granted with respect to such shares. The computation is based upon the
          average of the high and low price of the Common Stock as reported on the Nasdaq
          National Market on June&nbsp;6, 2003 because the price at which the options to
          be granted in the future may be exercised is not currently determinable. </FONT></TD>
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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>The Exhibit Index for this
Registration Statement follows the signature page.</U> </FONT></P>


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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>E-LOAN, INC. <BR>REGISTRATION
STATEMENT ON FORM S-8 </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>EXPLANATORY NOTE </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Registration Statement of Form S-8 relates to the Registrant&#146;s 1997 Stock Plan (the
&#147;1997 Plan&#148;) under which the Registrant, pursuant to those certain Registration
Statements on Form&nbsp;S-8 (File No. 333-84211, File No.&nbsp;333-63372 and 333-100314,
collectively the &#147;Registration Statement&#148;), previously registered 16,398,375
shares of its common stock. Under Section E of the General Instructions on Form S-8, the
Registrant is registering additional shares under the 1997 Plan. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
1997 Plan provides for an annual automatic increase in the number of shares of common
stock reserved under the 1997 Plan by an amount equal to the lesser of 4,500,000 shares,
4% of the then outstanding shares, or a lesser amount as determined by the
Registrant&#146;s Board of Directors. On January&nbsp;31, 2003, the Registrant&#146;s
Board of Directors approved an increase in the number of shares reserved for issuance
under the 1997 Plan equal to 1,500,000 shares. This Registration Statement covers the
increase of 1,500,000 shares of common stock issuable under the 1997 Plan, bringing the
total number of authorized shares to 17,898,375. </FONT></P>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>PART II </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>INFORMATION REQUIRED
IN THE REGISTRATION STATEMENT </FONT></H1>

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<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ITEM 3. INCORPORATION OF DOCUMENTS
BY REFERENCE. </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following documents are incorporated by reference in this Registration Statement: </FONT></P>

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                    <TD WIDTH=10%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
                    <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1. </FONT></TD>
                    <TD WIDTH=85%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
                    Registrant&#146;s Registration Statement on Form&nbsp;S-8, File No. 333-84211; </FONT></TD>
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                    <BR>

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                    <TD WIDTH=10%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
                    <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2. </FONT></TD>
                    <TD WIDTH=85%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
                    Registrant&#146;s Registration Statement on Form&nbsp;S-8, File No. 333-63372; </FONT></TD>
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                    <BR>

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                    <TD WIDTH=10%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
                    <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3. </FONT></TD>
                    <TD WIDTH=85%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
                    Registrant&#146;s Registration Statement on Form S-8, File No. 333-100314; </FONT></TD>
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                    <BR>

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                    <TD WIDTH=10%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
                    <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4. </FONT></TD>
                    <TD WIDTH=85%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
                    Registrant&#146;s Annual Report on Form 10-K for the fiscal year ended
                    December&nbsp;31, 2002, filed on March&nbsp;31, 2003; </FONT></TD>
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                    <BR>

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                    <TD WIDTH=10%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
                    <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5. </FONT></TD>
                    <TD WIDTH=85%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
                    Registrant&#146;s Quarterly Report on Form 10-Q for the fiscal quarter ended
                    March&nbsp;31, 2003, filed on May&nbsp;15, 2003; </FONT></TD>
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                    <BR>

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                    <TD WIDTH=10%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
                    <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6. </FONT></TD>
                    <TD WIDTH=85%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
                    The description of Registrant&#146;s common stock contained in its registration
                    statement filed on Form S-1 (Registration Statement No. 333-74945) on March 24,
                    1999, as amended, which registration statement became effective on June 28,
                    1999); and </FONT></TD>
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                    <BR>

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                    <TD WIDTH=10%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
                    <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>7. </FONT></TD>
                    <TD WIDTH=85%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
                    All other reports filed pursuant to Section 13(a) or 15(d) of the Securities
                    Exchange Act of 1934, as amended, since the end of Registrant&#146;s fiscal year
                    ended December 31, 2002. </FONT></TD>
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                    <BR>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
documents filed by the Registrant pursuant to Sections 13(a), 13(c), 14 and 15(d) of the
Securities Exchange Act of 1934, as amended, after the date of this Registration Statement
and prior to the filing of a post-effective amendment to this Registration Statement which
indicates that all securities offered hereunder have been sold, or which deregisters all
securities then remaining unsold under this Registration Statement, shall be deemed to be
incorporated by reference in this Registration Statement and to be a part hereof from the
date of filing of such documents. </FONT></P>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SIGNATURES </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Act of 1933, the Registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form S-8
and has duly caused this Registration Statement to be signed on its behalf by the
undersigned, thereunto duly authorized, in the City of Dublin, State of California, on
this 13<SUP>th</SUP> day of June, 2003. </FONT></P>




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<TD WIDTH=10%><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>E-LOAN, Inc.</B><BR>(a Delaware corporation)<BR><BR>
<BR>By: /s/ Christian A. Larsen<BR>&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;<BR>
Christian A. Larsen<BR>Chief Executive Officer</FONT></TD>
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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>POWER OF ATTORNEY </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
individual whose signature appears below constitutes and appoints Joseph&nbsp;J. Kennedy
and Matthew Roberts, and each of them, such person&#146;s true and lawful
attorneys-in-fact and agents with full power of substitution and resubstitution, for such
person and in such person&#146;s name, place, and stead, in any and all capacities, to
sign any and all amendments (including post-effective amendments) to this Registration
Statement, and to file the same with all exhibits thereto, and all documents in connection
therewith, with the Commission, granting unto said attorneys-in-fact and agents, and each
of them, full power and authority to do and perform each and every act and thing requisite
and necessary to be done in and about the premises, as fully to all intents and purposes
as such person might or could do in person, hereby ratifying and confirming all that said
attorneys-in-fact and agents or any of them, or their substitute or substitutes, may
lawfully do or cause to be done by virtue hereof. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Act of 1933, this Registration Statement has been
signed by the following persons in the capacities and on the dates indicated. </FONT></P>








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<TR VALIGN="BOTTOM">
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">SIGNATURE<BR><BR><BR><BR><BR></FONT></TH>
     <TH ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">TITLE<BR><BR><BR><BR><BR></FONT></TH>
     <TH ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">DATE<BR><BR><BR><BR><BR></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="34%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"> /s/  Christian A. Larsen<BR>___________________________  <BR>Christian A. Larsen</FONT></TD>
     <TD WIDTH="33%" ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">  Chief Executive Officer and <BR>  Chairman of the Board of Directors<BR>(Principal Executive Officer)<BR><BR><BR></FONT></TD>
     <TD WIDTH="33%" ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">June 13, 2003  </FONT><BR><BR><BR></TD></TR>

<TR VALIGN="TOP">
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"> /s/  Joseph J. Kennedy<BR>  ___________________________ <BR> Joseph J. Kennedy<BR><BR><BR></FONT></TD>
     <TD ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2"> President, Chief Operating Officer<BR>and Director<BR></FONT></TD>
     <TD ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2"> June 13, 2003 </FONT><BR><BR></TD></TR>

<TR VALIGN="TOP">
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">/s/  Matthew Roberts<BR>  ___________________________<BR> Matthew Roberts  </FONT></TD>
     <TD ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">         Chief Financial Officer <BR>  (Principal Financial and Accounting Officer)<BR><BR><BR><BR></FONT></TD>
     <TD ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2"> June 13, 2003<BR><BR><BR></FONT></TD></TR>

<TR VALIGN="TOP">
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">/s/  Robert C. Kagle<BR>  ___________________________ <BR>Robert C. Kagle<BR><BR><BR></FONT></TD>
     <TD ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Director<BR><BR><BR><BR> </FONT></TD>
     <TD ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">June 13, 2003</FONT><BR><BR><BR></TD></TR>

<TR VALIGN="TOP">
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">/s/  Mark E. Lefanowicz<BR>  ___________________________ <BR>Mark E. Lefanowicz<BR><BR><BR></FONT></TD>
     <TD ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Director<BR><BR><BR><BR> </FONT></TD>
     <TD ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">June 13, 2003<BR><BR></FONT></TD></TR>

<TR VALIGN="TOP">
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">/s/  Claus H. Lund<BR>  ___________________________ <BR> Claus H. Lund<BR><BR><BR></FONT></TD>
     <TD ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Director<BR><BR><BR><BR> </FONT></TD>
     <TD ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">June 13, 2003<BR></FONT></TD></TR>

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     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">/s/  Wade Randlett<BR>  ___________________________<BR> Wade Randlett </FONT></TD>
     <TD ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Director<BR><BR><BR><BR> </FONT></TD>
     <TD ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">June 13, 2003</FONT></TD></TR>
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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>EXHIBIT INDEX </FONT></H1>




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     <TH ALIGN="CENTER" NOWRAP><FONT FACE="Times New Roman, Times, Serif" SIZE="2">EXHIBIT NUMBER<BR><BR></FONT></TH>
     <TH NOWRAP ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">DESCRIPTION<BR><BR></FONT></TH></TR>




<TR VALIGN="TOP">
     <TD ALIGN="CENTER" NOWRAP><FONT SIZE="2"></FONT>5.1</TD>
     <TD NOWRAP ALIGN="LEFT"><FONT SIZE="2"></FONT>Opinion of Allen Matkins Leck Gamble &amp; Mallory LLP<BR><BR></TD></TR>


<TR VALIGN="TOP">
       <TD ALIGN="CENTER" NOWRAP><FONT SIZE="2">10.1*</FONT></TD>
       <TD NOWRAP ALIGN="LEFT"><FONT SIZE="2">1997 Stock Plan, as amended<BR><BR></FONT></TD></TR>

<TR VALIGN="TOP">
      <TD ALIGN="CENTER" NOWRAP><FONT SIZE="2">23.1</FONT></TD>
      <TD NOWRAP ALIGN="LEFT"><FONT SIZE="2">Consent of Allen Matkins Leck Gamble &amp;Mallory LLP (included as part of Exhibit
                       5.1 hereto)</FONT><BR><BR></TD></TR>


<TR VALIGN="TOP">
      <TD ALIGN="CENTER" NOWRAP><FONT SIZE="2">24.1  </FONT></TD>
      <TD NOWRAP ALIGN="LEFT"><FONT SIZE="2"> Power of Attorney (included at page 2 of the Registration Statement)</FONT></TD></TR>
</TABLE>



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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*Incorporated by reference to the
Company&#146;s Quarterly Report on Form&nbsp;10-Q for the fiscal quarter ended
September&nbsp;30, 1999 (as amended by Form&nbsp;10-Q/A filed on November&nbsp;22, 1999). </FONT></P>


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As filed with the Securities and Exchange Commission on June 13, 2003                                        Registration No. 333-_____
SECURITIES AND EXCHANGE
COMMISSION
Washington, D.C. 20549
_________________
FORM S-8
REGISTRATION
STATEMENT
Under
THE SECURITIES ACT OF
1933
E-LOAN, INC.
(Exact name
of issuer as specified in its charter)
Delaware
(State or other jurisdiction of
incorporation or organization)
77-0460084
(I.R.S. Employer Identification No.)
5875 Arnold Road,
Suite 100
Dublin, California 94568
(Address of Principal
Executive Offices) (Zip Code)
1997 Stock Plan
(Full title of the plan)
Christian A. Larsen
Chief
Executive Officer
E-LOAN, Inc.5875
Arnold
Road, Suite 100
Dublin, California
94568
(Name and address of
agent for service)
(925) 241-2400
(Telephone
number, including area code, of agent for service)
Copy to:
Roger S. Mertz, Esq.Allen
Matkins Leck Gamble & Mallory LLP
333 Bush Street, Suite
1700
San Francisco, California 94104-2806
(415) 837-1515
CALCULATION OF
REGISTRATION FEE
Title of Securities to be registered
Amount to be
registered(1)(2)
Proposed maximum
offering price per
share(3)
Proposed maximum
aggregate offering
price(3)
Amount of
registration fee
1997 Stock Plan
Common Stock, $0.001 par value(2)
1,500,000
$5.525
$8,287,500
$670.46
(1)
These securities are of the same class and in addition to the 9,778,463 shares
          of Common Stock initially available to be granted under the 1997 Stock Plan, an
          employee stock option plan, and previously registered pursuant to Registration
          Statement No. 333-84211, and the additional shares made available under the 1997
          Stock Plan and previously registered pursuant to Registration Statement Nos.
          333-63372 and 333-100314. The total number of shares of Common Stock now
          issuable under the 1997 Stock Plan, as amended, is 17,898,375.
(2)
Pursuant to Rule 416(a), also covers additional securities that may be offered
          as a result of stock splits, stock dividends or similar transactions.
(3)
Has been estimated in accordance with Rule 457(c) under the Securities Act of
          1933, solely for the purpose of calculating the registration fee. No options
          have been granted with respect to such shares. The computation is based upon the
          average of the high and low price of the Common Stock as reported on the Nasdaq
          National Market on June 6, 2003 because the price at which the options to
          be granted in the future may be exercised is not currently determinable.
The Exhibit Index for this
Registration Statement follows the signature page.
E-LOAN, INC.
REGISTRATION
STATEMENT ON FORM S-8
EXPLANATORY NOTE
This
Registration Statement of Form S-8 relates to the Registrant's 1997 Stock Plan (the
"1997 Plan") under which the Registrant, pursuant to those certain Registration
Statements on Form S-8 (File No. 333-84211, File No. 333-63372 and 333-100314,
collectively the "Registration Statement"), previously registered 16,398,375
shares of its common stock. Under Section E of the General Instructions on Form S-8, the
Registrant is registering additional shares under the 1997 Plan.
The
1997 Plan provides for an annual automatic increase in the number of shares of common
stock reserved under the 1997 Plan by an amount equal to the lesser of 4,500,000 shares,
4% of the then outstanding shares, or a lesser amount as determined by the
Registrant's Board of Directors. On January 31, 2003, the Registrant's
Board of Directors approved an increase in the number of shares reserved for issuance
under the 1997 Plan equal to 1,500,000 shares. This Registration Statement covers the
increase of 1,500,000 shares of common stock issuable under the 1997 Plan, bringing the
total number of authorized shares to 17,898,375.
PART II
INFORMATION REQUIRED
IN THE REGISTRATION STATEMENT
ITEM 3. INCORPORATION OF DOCUMENTS
BY REFERENCE.
The
following documents are incorporated by reference in this Registration Statement:
1.
Registrant's Registration Statement on Form S-8, File No. 333-84211;
2.
Registrant's Registration Statement on Form S-8, File No. 333-63372;
3.
Registrant's Registration Statement on Form S-8, File No. 333-100314;
4.
Registrant's Annual Report on Form 10-K for the fiscal year ended
                    December 31, 2002, filed on March 31, 2003;
5.
Registrant's Quarterly Report on Form 10-Q for the fiscal quarter ended
                    March 31, 2003, filed on May 15, 2003;
6.
The description of Registrant's common stock contained in its registration
                    statement filed on Form S-1 (Registration Statement No. 333-74945) on March 24,
                    1999, as amended, which registration statement became effective on June 28,
                    1999); and
7.
All other reports filed pursuant to Section 13(a) or 15(d) of the Securities
                    Exchange Act of 1934, as amended, since the end of Registrant's fiscal year
                    ended December 31, 2002.
All
documents filed by the Registrant pursuant to Sections 13(a), 13(c), 14 and 15(d) of the
Securities Exchange Act of 1934, as amended, after the date of this Registration Statement
and prior to the filing of a post-effective amendment to this Registration Statement which
indicates that all securities offered hereunder have been sold, or which deregisters all
securities then remaining unsold under this Registration Statement, shall be deemed to be
incorporated by reference in this Registration Statement and to be a part hereof from the
date of filing of such documents.
SIGNATURES
Pursuant
to the requirements of the Securities Act of 1933, the Registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form S-8
and has duly caused this Registration Statement to be signed on its behalf by the
undersigned, thereunto duly authorized, in the City of Dublin, State of California, on
this 13
th
day of June, 2003.
E-LOAN, Inc.
(a Delaware corporation)
By: /s/ Christian A. Larsen
——————————————
Christian A. Larsen
Chief Executive Officer
POWER OF ATTORNEY
Each
individual whose signature appears below constitutes and appoints Joseph J. Kennedy
and Matthew Roberts, and each of them, such person's true and lawful
attorneys-in-fact and agents with full power of substitution and resubstitution, for such
person and in such person's name, place, and stead, in any and all capacities, to
sign any and all amendments (including post-effective amendments) to this Registration
Statement, and to file the same with all exhibits thereto, and all documents in connection
therewith, with the Commission, granting unto said attorneys-in-fact and agents, and each
of them, full power and authority to do and perform each and every act and thing requisite
and necessary to be done in and about the premises, as fully to all intents and purposes
as such person might or could do in person, hereby ratifying and confirming all that said
attorneys-in-fact and agents or any of them, or their substitute or substitutes, may
lawfully do or cause to be done by virtue hereof.
Pursuant
to the requirements of the Securities Act of 1933, this Registration Statement has been
signed by the following persons in the capacities and on the dates indicated.
SIGNATURE
TITLE
DATE
/s/  Christian A. Larsen
___________________________
Christian A. Larsen
Chief Executive Officer and
Chairman of the Board of Directors
(Principal Executive Officer)
June 13, 2003
/s/  Joseph J. Kennedy
___________________________
Joseph J. Kennedy
President, Chief Operating Officer
and Director
June 13, 2003
/s/  Matthew Roberts
___________________________
Matthew Roberts
Chief Financial Officer
(Principal Financial and Accounting Officer)
June 13, 2003
/s/  Robert C. Kagle
___________________________
Robert C. Kagle
Director
June 13, 2003
/s/  Mark E. Lefanowicz
___________________________
Mark E. Lefanowicz
Director
June 13, 2003
/s/  Claus H. Lund
___________________________
Claus H. Lund
Director
June 13, 2003
/s/  Wade Randlett
___________________________
Wade Randlett
Director
June 13, 2003
EXHIBIT INDEX
EXHIBIT NUMBER
DESCRIPTION
5.1
Opinion of Allen Matkins Leck Gamble & Mallory LLP
10.1*
1997 Stock Plan, as amended
23.1
Consent of Allen Matkins Leck Gamble &Mallory LLP (included as part of Exhibit
                       5.1 hereto)
24.1
Power of Attorney (included at page 2 of the Registration Statement)
*Incorporated by reference to the
Company's Quarterly Report on Form 10-Q for the fiscal quarter ended
September 30, 1999 (as amended by Form 10-Q/A filed on November 22, 1999).