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Personal Banking

Business Banking
Business is defined as small business clients who do not have ACH origination, a Desktop Check Scanner, and / or Positive Pay services. Also included in Business are Tailored Checking accounts opened after 11/16/2020.

Commercial Banking
Commercial is defined as our Commercial, Institutional, Municipality, API Banking, Escrow, and Cannabis Banking business clients.

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  1. Between January 2022 and March 2022, personal loans issued by LendingClub Bank were funded within 24 hours after loan approval, on average. The time it takes for a loan to be funded is not guaranteed and individual results vary based on multiple factors, including but not limited to investor demand.
  2. On average, personal loans from LendingClub Bank are offered at an APR of 15.95% with an origination fee of 5.00% and a principal amount of $15,800 for loans with term lengths of 36 months, based on current credit criteria and an analysis of historical borrower data from 1/1/21 to 4/12/21. For credit card purchases made in March 2021, the average APR was 20.29%, according to publicly available information published by TheBalance.com. If you pay off a credit card balance of $15,010 with an APR of 15.95% over 36 equal monthly payments, you will pay $5,152 in total finance charges. If you obtain a loan with a term of 36 months and an amount financed of $15,010 (principal amount of $15,800 with an origination fee of $790) at 15.95% APR, you will pay $3,975 in total finance charges over the term of the loan, a savings of $1,177 as compared to the average credit card.

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. ​Deposit accounts are subject to approval. Only deposit products are FDIC insured.

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

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