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General Considerations

All Resources share the following common format -

https://api.lendingclub.com/api/investor/<version>/<Resource>/<SubResource>

For GET operations, the result of the operations will be returned in specified format (JSON, CSV or XML). HTTP Response Codes will be used to communicate back the type of response. For the current version, the following response codes can be expected —

200 - Successful execution

400 -Execution failed with errors. Errors will be returned as JSON payload.

403 - Authentication failure

404 - Resource does not exist

500 - Unsuccessful execution

For error code 400, in addition to the HTTP Response Codes, the API will return a list of error objects. A couple of sample error responses can be -

JSON Formatting Considerations

Double quotes are the official JSON standard. We follow the same standard in our API. Please refer to http://www.json.org

Content Type

For usage guidelines on "Content-type" header, please refer to Content Type

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,008 for a term of 36 months, with an interest rate of 11.74% and a 6.00% origination fee of $1,140 for an APR of 16.09%. In this example, the borrower will receive $17,868 and will make 36 monthly payments of $629. 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 8.91% 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 Oct 10, 2024 and are subject to change without notice. 

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,” the “LC” symbol, “TopUp,” and “DebtIQ” are trademarks of LendingClub Bank.

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