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LCXTM

The Next Phase of Marketplace Lending

Purchase Loans with Price Transparency

Electronic Marketplace for Unsecured Personal Loans

Execute your investment strategy by filtering and purchasing loans through
specific credit attributes. Individually purchase loans pre- or
post-issuance at prices that can be at, above, or below par.

$3B+ Market

The LCXTM marketplace launched in 2019, with over $1.5B transacted to date in both primary and secondary markets.

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Ways to Participate

Self-Service
Self-Service
Investor builds credit model and customizes API
LCXPM Select Auction API Documentation
LCXPM Scale Auction API Documentation
LCXSM Client-to-Client API Documentation
Partner
Partner
Investor leverages LendingClub’s vendor partners to build API
LCXLink
LCXLink
Investor gives credit filters to LendingClub, and LendingClub executes on behalf of the investor

LCX Offers

Electronic Access

API-driven purchasing enables automation and minimizes operational load

Dynamic Pricing

Flexible pricing at, above, or below par influenced by market demand

Data Transparency

Immediate access to consumer loans with 100+ data fields per loan

Improved Liquidity

Optimizes access to personal loans and allows efficient deployment of capital

Same-Day Settlement

Typically reduces settlement process from several weeks to a single day

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Frequently Asked Questions

Yes, we have a sandbox to help test and get your API tuned to the LCX platform.

An API is a programming interface used to interact with our data and to place orders.

No, you can use the LCX Link feature to participate. You can either provide the basic credit filters and we will execute your purchase instructions on your behalf, or you can work with a third-party partner of ours who will help build an API for you.

There’s no commitment or monthly minimum purchase. It’s flexible based on your investment strategy.

Please send an email to LCXMarkets@lendingclub.com and our sales team will reach out to start the process.

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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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WHAT WE OFFER

Personal LoansPersonal BankingAuto RefinancingPatient SolutionsBusiness LoansBusiness BankingCommercial BankingInstitutional InvestingLC NotesOther Types of LoansApply for a LoanApply for a bank account

RESOURCES

Borrower ResourcesInvestor ResourcesPersonal Loan Rates & FeesCustomer ReviewsResource CenterGlossarySafety & Privacy

LEGAL

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ABOUT US

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ACCOUNT

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DEVELOPERS

Powered by the LCTM platform

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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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