Glossary

The unsecured personal loan market continues to hit record highs, and despite challenging macroeconomic conditions, shows few signs of slowing down.

Banks that diversify across customer segments, lending categories, income streams, geographies, and digital platforms are not courting fragility, but insulating themselves against it.

The typical investment mix of long-term loans and securities may turn out to yield lackluster results. Banks may have another investment option: consumer credit.

Budgeting is a lifelong money management skill that can help you control your spending, save for the unexpected, and build a strong financial foundation. 

Your credit utilization rate measures the balances of your revolving accounts against your credit limits. Naturally, your ratio can influence your credit scores. A low utilization rate could improve your credit scores while a high utilization rate may hurt them.

Adding creditors to your balance transfer loan is easy.

Direct pay loans are a great option to pay down or consolidate multiple debts, while cash loans may be a better fit for a single large expense.

If you believe that your credit report contains inaccurate or incomplete information, you can dispute it directly with the agency that’s reporting it.

If you're ready to pay off your loan, congratulations! That’s a big financial step.

At LendingClub Bank, we care about your financial health. We make it easy for you to make payments that keep your account on track.