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Summary

This subresource provides a summary of the investor's account.

Operation: GET

URL: https://api.lendingclub.com/api/investor/<version>/accounts/<investor id>/summary

URL Parameters: None

Query Parameters: None.

Supported Formats: JSON, XML, CSV

Name

Type

Nullable

Description

availableCash

BigDecimal

No

Available cash amount

investorId

integer

No

Investor ID

accruedInterest

BigDecimal

No

Accrued interest amount

outstandingPrincipal

BigDecimal

No

Outstanding principal amount

accountTotal

BigDecimal

No

Account total

totalNotes

integer

No

Total notes

totalPortfolios

integer

No

Total portfolios

inFundingBalance

BigDecimal

No

In-Funding balance

receivedInterest

BigDecimal

No

Received interest

receivedPrincipal

BigDecimal

No

Received principal

receivedLateFees

BigDecimal

Yes

Received late fees

netAnnualizedReturn

Object

No

Net Annualized Return (NAR) values object containing different NAR values

primaryNAR

BigDecimal

Yes

Primary Net Annualized Return

primaryAdjustedNAR

BigDecimal

Yes

Primary Adjusted Net Annualized Return based on LendingClub's loss assumptions

primaryUserAdjustedNAR

BigDecimal

Yes

Primary Adjusted Net Annualized Return based on user's loss assumptions

tradedNAR

BigDecimal

Yes

Traded Net Annualized Return

tradedAdjustedNAR

BigDecimal

Yes

Traded Adjusted Net Annualized Return based on LendingClub's loss assumptions

tradedUserAdjustedNAR

BigDecimal

Yes

Traded Adjusted Net Annualized Return based on user's loss assumptions

combinedNAR

BigDecimal

Yes

Combined Net Annualized Return

combinedAdjustedNAR

BigDecimal

Yes

Combined Net Annualized Return based on LendingClub's loss assumptions

combinedUserAdjustedNAR

BigDecimal

Yes

Combined Net Annualized Return based on user's loss assumptions

adjustments

Object

No

Adjustments to Account Values

adjustmentForPastDueNotes

BigDecimal

No

Adjustments to Account Values for past due notes based on LendingClub's loss assumptions

userAdjustmentForPastDueNotes

BigDecimal

Yes

Adjustments to Account Values for past due notes based on user's loss assumptions

Returned value: JSON -

Returned value: XML -

Returned value: CSV -

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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. 

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,854 for a term of 36 months, with an interest rate of 10.29% and a 6.00% origination fee of $1,191, for an APR of 14.60%. In this example, the borrower will receive $18,663 and will make 36 monthly payments of $643. 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 9.57% 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 July 11, 2023 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. 

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.

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