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API FAQs

Why would I want to use an API?

Using our API may be attractive to investors who:

  • Prefer to access the LendingClub platform programmatically, rather than logging in to the website manually

  • Prefer that investments be executed automatically based on their investment criteria

  • Have sophisticated programming skills that allow them to execute their individual investment strategy by building customized software

Is the API faster than Automated Investing?

No. Investors who access the LendingClub platform using the API do not receive any special access or timing advantage compared to investors who access the LendingClub website by manually logging in.

Do API users have access to Notes before they are offered for sale on the LendingClub website?

No. API users and users who access the LendingClub website by manually logging in to their account both have identical access to Note inventory and data.

How many API requests per minute can I make?

The API enforces a rate limit of one request per second. This is an inclusive limit across calls for all API operations. Any requests over this limit will result in a time out response.

Where are the servers located?

Please see the prospectus for information about the location of our system hardware.

Additional terms and conditions apply. To be eligible to use the LendingClub API, you must review and agree to the API Terms and Conditions.

LendingClub Notes are issued pursuant to a prospectus on file with the SEC. You should review the risks and uncertainties described in the prospectus related to your possible investment in the Notes.

* Folio Investments, Inc. ("Folio Investing") is a registered broker-dealer and member of FINRA and SIPC and operates the Note Trading Platform. Folio Investing is based in McLean, VA and is not affiliated with LendingClub. Folio Investing has no role in the original issuance of the Notes and is not responsible for and does not approve, endorse, review, recommend or guarantee the Notes or the accuracy, reliability, or completeness of any data or information about the Notes. More information about Folio Investing is available at www.folioinvesting.com.

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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 are collected and authenticated by Bazaarvoice. Any average rating presented is based on these reviews. 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.

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