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When you use LendingClub services or services provided through LendingClub, you are using the The LC™ platform. The LC platform is a group of financial service technologies developed by LendingClub to enable the services we facilitate or provide to borrowers and investors. The platform includes an ecosystem of microservices, database technologies, cloud computing technologies, web-based software-as-a-service, and mobile software technologies built upon and improved for over a decade.


The LC™ platform includes software for matching investors and lenders with consumers in need of a loan product, such as a personal loan or a loan to finance medical or educational services. This technology makes it easier for consumers to borrow the money they need, and for lenders to find borrowers that fit their credit risk profile. In addition, consumers may use the LendingClub website, which is powered by the LC platform, to apply for a loan, obtain loan options and interest rates, and schedule and make payments on their loan. Consumers may also use LC-enabled services to check their credit scores and get feedback on their financial health, while investors may find investing options and download loan performance data to help them determine how to better invest.

To leverage the power of the LC™ platform, choose the option that works for you:

The LC™ platform includes patented technology, which may include
technology associated with one or more of the following patents: U.S.
Patent No. 10,613,738, U.S. Patent No. 10,628,242, U.S. Patent No.
10,705,712, U.S. Patent No. 10,606,636, U.S. Patent No. 10,613,894, U.S.
Patent No. 10,467,127, U.S. Patent No. 10,437,689, U.S. Patent No.
10,042,879, and U.S. Patent No. 10,114,857. LendingClub and LC are
trademarks of Lendingclub Corporation. All rights reserved.

Financial well-being for everyone.

Everything we do is centered around empowering you to meet your personal financial goals by enabling access to a broad range of financial products, services, and educational resources, all designed to help you pay less when borrowing and earn more when saving.

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DEVELOPERS

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595 Market Street, Suite 200

San Francisco, California 94105

If you have special access needs and are having problems accessing this website, please call 888-596-3157.
Equal Housing Lender
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Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, term length, and making payments as agreed. 

Reducing debt and maintaining low credit balances may contribute to an improvement in credit score, but results are not guaranteed. Individual results vary based on multiple factors, including but not limited to payment history and credit utilization.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,169 for a term of 36 months, with an interest rate of 10.49% and a 6.00% origination fee of $1,150 for an APR of 14.81%. In this example, the borrower will receive $18,019 and will make 36 monthly payments of $623. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 60 months. Some amounts, rates, and term lengths may be unavailable in certain states.

For Personal Loans, APR ranges from 8.98% to 35.99% and origination fee ranges from 3.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of March 8, 2024 and are subject to change without notice.

Checking a rate through us generates a soft credit inquiry on a person’s credit report, which is visible only to that person. A hard credit inquiry, which is visible to that person and others, and which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

Any reviews presented are individual experiences and results may vary. Reviews collected and authenticated by Bazaarvoice. All reviews can be accessed at https://www.lendingclub.com/company/reviews

Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

"LendingClub" and the "LC" symbol are trademarks of LendingClub Bank.

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