Loans made by Accion Opportunity Fund Community Development (AOFCD) California Finance Lenders License #6050609. AOFCD is not affiliated with LendingClub. LendingClub is not responsible for and makes no representations with respect to AOFCD’s privacy practices or any products and services offered by AOFCD. Any offers displayed or made to you are offered by AOFCD, from whom LendingClub receives compensation for referrals. Loans may also be referred to a licensed AOFCD partner lender. Your APR will be determined based on your credit at time of application. There is no down payment and there is never a prepayment penalty.