LendingClub.biz is an independent consumer-finance decision platform at www.lendingclub.biz. In these disclosures, “we,” “us” and “our” refer to this website and its informational tools. Our role is to help you inspect borrowing costs, repayment timing and provider information before deciding whether to proceed.
Our website identity and independent role
LendingClub.biz combines cost calculators, fee and proceeds examples, repayment-date checks and guides to provider verification. These tools let you examine a borrowing decision before sharing sensitive information through a provider’s application flow. Our informational content and planning results remain distinct from an actual credit offer or account service.
Website support covers our content, calculators and disclosures. Questions about an existing loan, payments, underwriting or servicing belong with the actual provider through its verified contact channels. Third-party names and marks used as source references belong to their respective owners; a reference does not imply sponsorship or endorsement.
Our role: information and decision tools
We publish borrowing guides, illustrative cost comparisons, repayment examples and calculators. LendingClub.biz operates as an information and decision-support platform. Independent third-party providers originate any credit, make eligibility decisions, determine APR and fees, provide funding, collect repayments and service their own accounts. Website support covers this website and its content.
Third-party loan requests and personal information
The loan request page loads a third-party loan request form. The form provider and participating third parties operate their own processes and may handle submitted information under the notices and consent language displayed in the form. Access to a form does not transfer credit decisions or servicing to this website.
Before entering or submitting personal or financial information, identify the parties that will receive it and read the applicable privacy, contact-consent and application terms. Do not submit information if you do not understand or accept those terms. Any credit inquiry, eligibility assessment, offer, loan agreement, funding or servicing is governed by the actual provider’s disclosures and applicable law. Submission is not a promise of an offer, approval, funding or a particular funding time.
Advertising, referrals and comparison scope
We may receive compensation from advertising, referrals or other interactions with third-party services. These commercial relationships are separate from our independent ownership and do not make us the credit provider. Compensation may affect which third-party services are presented, their placement or whether they appear at all. A displayed service is not necessarily the lowest-cost or best option for you, and the website does not cover every provider or offer in the market.
A link, listing or example is not a certification of a provider’s licensing, safety, suitability or availability. Compare the full cost and terms, consider alternatives and verify the provider before deciding.
Examples, calculators and educational information
Content is general educational information, not personalized financial, legal, tax or investment advice. Calculator outputs, figures in videos and repayment examples depend on the assumptions and inputs shown. Dates, fees, rounding, payment frequency and product rules can change actual results. An illustrative APR, payment or fee is not an advertised offer or a rate available to you. Consult an appropriately qualified professional when your circumstances require individual advice.
Borrowing costs, repayment and state restrictions
Short-term borrowing can be expensive. Late payment, refinancing or repeat borrowing may increase the cost and cause financial harm. Consider whether repayment leaves enough for housing, food, utilities and other essential expenses. Review lower-cost alternatives before accepting credit.
Availability, licensing requirements and permitted terms vary by state and product. State information is general guidance, not proof that a provider is licensed or permitted to offer a particular product to you. Check the current rules and the provider’s identity with the appropriate regulator.
Accuracy, external services and your rights
We seek to present useful information, but laws, provider terms and availability can change, and errors or interruptions may occur. Verify time-sensitive information with the original source or provider. We do not control third-party websites, forms, decisions or services, and cannot guarantee their accuracy, availability, security or performance.
Nothing in this notice excludes liability that cannot lawfully be excluded, limits a mandatory consumer right or excuses misleading statements. The notice describes the website’s role; it does not replace a provider’s required disclosures or your loan agreement. Our Terms of Use and Privacy Policy address the website’s use and information handling.
Questions and corrections
For questions about this website’s identity, content or disclosures, contact [email protected]. For an existing loan, payment, credit decision or provider complaint, contact the actual provider through its verified channels. Do not email account passwords, Social Security numbers, bank details or loan documents to website support.
How our brand references are used
The full website brand is LendingClub.biz, including the .biz suffix. LendingClub and Lending Club are shorter editorial references to this website and its information, guides and planning tools. Our website address is www.lendingclub.biz. A brand reference identifies this platform; the legal provider for any credit transaction is identified separately in that provider’s agreement.
How to read our illustrative calculations
Each calculation below is a hypothetical example, not a rate quote, available offer or eligibility result. The assumptions are shown so you can inspect the arithmetic and substitute the actual provider’s terms.
Single-payment cost example
Assume $300 in cash received, a $45 charge and one payment after 14 days. Total repayment is $300 + $45 = $345. The charge is $45 ÷ $300 × 100 = 15% of the cash received. A simple 365-day annualization gives ($45 ÷ $300) × (365 ÷ 14) × 100 = 391.07%. This annualized comparison does not mean $391 is charged or that 391.07% is paid in 14 days; the charge in this example remains $45.
The denominator is cash actually received. For an arrangement that deducts a fee upfront, use the net proceeds and the actual payment dates. A regulatory APR disclosure may depend on additional charges, timing conventions and applicable rules; this simplified calculation does not replace it.
Fee deducted from funding
Assume a $5,000 contractual principal and a 5% origination fee deducted at funding. The fee is $5,000 × 5% = $250; cash received is $5,000 − $250 = $4,750. If the expense is $5,000, the remaining gap is $250. The contractual principal remains $5,000; interest and scheduled repayments depend on the actual agreement. A fee paid separately or financed requires a different cash-flow calculation.
Rounding and inputs
Money is displayed to two decimal places and percentages are rounded for readability. Changing the charge, number of days, amount received, rate, payment frequency or term changes the result. Provider calculations can also differ because of actual dates, daily interest, compounding, payment allocation and additional fees. Review the provider’s disclosure and complete repayment schedule before accepting an offer.
Further checks for this decision
Compare APR and additional fees with the actual provider's terms when using an illustrative cost calculation.1
Before supplying information, check the receiving provider's data collection, purposes and sharing disclosures.2
Confirm whether the provider's application or eligibility process uses a hard or soft credit inquiry.3
Read commercial disclosures when evaluating a product recommendation or referral.4