Start with the company’s legal name and actual product. A brand, marketing page or email sender can differ from the creditor named on the agreement. Verify the responsible company through the relevant official record rather than searching only the familiar brand word. 1
This page is a verification guide. It is not a list of approved lenders or confirmation that a provider works with LendingClub.
Identify which record you need
Record the product, state of residence, provider’s legal name, any trade name and supplied license or registration number. Confirm whether the company is funding, brokering, collecting or servicing; those activities are not automatically covered by one authorization.
A general business-registration search can confirm a company record but not necessarily permission to offer the financial product. An NMLS identifier must be checked in context with the license and regulator information.
A five-part match
| Check | Evidence to compare |
|---|---|
| Company | Legal name on the agreement and record |
| Activity | The actual lending, brokering or servicing activity |
| Jurisdiction | State and scope relevant to the product |
| Status | Current official status rather than a copied badge |
| Contact | Official details compared with the communication you received |
If one item is unclear, seek clarification before proceeding. The absence of a result in one search is not enough to invent a legal conclusion; the wrong name, database or product category may have been used.
California verification route
Use the California Department of Financial Protection and Innovation’s official payday-lender and provider-verification resources for deferred-deposit questions. Follow links from the agency’s public website rather than an advertisement, an unofficial mirror or a search-result clone.
Check the company record and relevant status, then compare the legal name with the loan paperwork. Use the agency contact route if the record or authorized activity is uncertain.
The California loan-information page covers selected amount and fee rules. A calculation that follows those rules still does not verify a lender’s status.
For other states or another product
Use the regulator responsible for the activity and jurisdiction. Bank and credit-union records can be different from state nonbank lender records. A state regulator or official consumer-assistance route can help identify the proper authority.
Confirm the rules for your state and the provider’s exact product separately. This guide does not list live offers or determine whether a provider serves you.
Watch for identity substitutions
A caller can use the name of a real licensed company while giving unrelated contact or payment details. Independently find the official contact and ask whether the communication or offer belongs to it. A license number copied into an email is not proof of identity.
Existing account access, loan payments and servicing should use the actual provider’s verified channels. Our support covers this website and its informational tools.
Record the result without turning it into an endorsement
Keep the source URL, checked date, legal name, scope and status. A verification note should state exactly what was verified. It should not become “government approved,” “guaranteed safe” or “all states licensed.”
If the record later changes, recheck before relying on a previous note. An agency link in the footer is not a substitute for this process.
If a problem remains
Ask the provider for clarification using independently verified details. If you believe a regulated financial-service problem is unresolved, use the appropriate regulator’s current complaint route.
When documenting a discrepancy, keep the public source URL, company name and checked date. Do not include complete identity numbers or bank credentials.
Our service-role disclosures · State rules & checks
Find your state’s starting point
Select your state in the external CSBS directory. Ask the agency which record covers the provider’s activity if the licensing route is unclear. A missing search result is not by itself a licensing determination.
2Further checks for this decision
A promise of guaranteed credit in exchange for an upfront payment is a warning sign. Verify the provider and distinguish a disclosed loan charge from a payment demanded to guarantee approval.3
For a financial-product complaint, collect the facts and supporting records, then use the appropriate official complaint process.4