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        Frequently Asked Questions

        How Do I Manage My Account?

        You can view and change most of your account information right from your Member Center, including your password, phone number, physical address, and email address ...

          How Do I Make Early or Extra Payments?

          You can make a one-time payment from your Member Center, by check, or over the phone ...

            How Do I Change My Due Date?

            You have options if you need to change your due date. As long as your account is current, you can make a one-time change to your next payment date...

              How do I get started on Online Banking?

              With Online Banking, you can get 24/7 access to your account. To enroll, click here. ...

                How do I link an external account?

                Depending on the linking option you have selected, it may be necessary for two (2) micro deposits to be made into the external account...

                  How can I set up a Direct deposit?

                  Set up a direct deposit into your account, and you could be eligible to receive your money up to 2 days earlier.

                    What Is Auto Refinance?

                    Looking for a lower monthly car loan payment? Refinancing your car loan with LendingClub Bank could lower your monthly car payments ...

                      What Are the Rates and Fees for Auto Refinance Loans?

                      Rates and fees for your auto refinance loan depend on several factors, like your credit history and income. ...

                        How Do I Refinance My Car Loan?

                        It’s fast and simple to refinance your car loan with LendingClub Bank. If your car loan’s remaining balance is between $5,000 and $55,000 ...

                          LendingClub Resources

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                          There are many reasons to consider a joint personal loan, including sharing the payment obligations, securing better financing terms, and improving your odds of approval. So, if your credit history is holding you back from getting favorable interest rates and terms on your own, having a co-borrower could help you qualify for a personal loan.
                          Jul 23, 2024
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                          While it can be easy to qualify for short-term loans—even if you have a low credit score or limited income—many come with unfavorable rates and terms. The high fees and interest rates make it an expensive form of debt, and the short repayment terms can leave borrowers financially worse off.
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                          From groceries and diapers to Halloween costumes for pets, nearly 60% of American consumers prefer to shop online for everyday items that make life more convenient, comfortable, and enjoyable. And with rising prices showing no signs of stopping anytime soon, we’re pleased to introduce StackitTM from LendingClub Bank—a new browser extension that automatically finds and rewards eligible members with coupons and cash back for extra savings at more than 15,000 favorite online retailers.
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                          Even in today’s low-yield, high-inflation environment, it’s essential to keep a certain amount of money in an easy-to-access checking or savings account for things like daily household and emergency expenses, or to meet short-term financial goals.
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                          Since 2007, LendingClub has been on a mission to deliver a world-class experience to all our members. This month we took a moment to reflect on the more than four million members who have chosen LendingClub as their partner to help them reach their financial goals.
                          Apr 19, 2022
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                          In March 2022, we hosted our first quarterly webinar where we celebrated our one-year anniversary as a digital marketplace bank. 
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                          LendingClub completed the acquisition of Radius Bank in February 2021. At that time, in addition to the direct-to-consumer deposit business, we inherited a fintech partner program, and several lending businesses. As we reach the one-year anniversary of the acquisition, and in conjunction with the conclusion of a strategic review of our business operations, we have made the decision to discontinue certain businesses that don’t fit our mission.  
                          Jan 2, 2022
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                          {noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.
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                          {noun} The total annual cost to borrow money, including fees, expressed as a percentage.
                          Mar 21, 2023
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                          {noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment. 
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                          A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.
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                          {noun} An interest rate that remains the same for a set time, usually for the life of the loan.
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                          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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