A Chinatown woman swindled more than 100 investors out of $20 million through an underground lending hoax, a new lawsuit charges.

The 120 complainants allege Wenlan Zeng and her family oversaw 14 “money pool clubs” across Chinatown from 2013 to 2017, according to the suit filed Tuesday in Manhattan Supreme Court.

Money pool clubs are a centuries-old system of informal lending circles that help people skirt bank and other financing credit requirements for loans.

In this case, the plaintiffs say they paid twice-monthly dues of $500 to belong to the clubs, with the expectation they would be able to withdraw money when needed. Traditionally, the loan goes to the person who offers the highest interest rate in exchange for the cash.

Yet the papers charge that Wenlan shut down the bidding process, and instead pocketed the funds while running the club operating out of an apartment at 18 Eldridge St.

She even lured in one 66-year-old victim — who sustained a $198,000 loss — from a Buddhist temple, the lawsuit alleges.

“None of the plaintiffs received back their contribution, which they had made for years,” the papers state. “It is believed that the total losses for all club members exceeded $20,000,000.

“It is believed that all the money was taken by Defendant Wenlan and nobody actually bid the money,” the documents add. “By fraudulently representing to the plaintiffs that the money was bid by some other members, Wenlan and her family misappropriated all the contributions made by the club members.”

Wenlan and her kin then used the loot to purchase property in the US, China and Brazil, according to the suit.

Calls to Wenlan’s last known address went unreturned.

A Manhattan DA’s spokesman said investigators “met with dozens of complainants over the course of a thorough, months-long investigation before determining that there was not sufficient evidence to bring criminal charges.”

The plaintiff’s lawyer Aihong You declined to comment, citing pending litigation.