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Member Benefits

Membership that
means something

Unlock exclusive rewards, discounts, and products.

Take advantage of exclusive member perks

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Exclusive access

Unlock an opportunity to apply for a TopUp™ loan and get extra funds.1 
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Free credit monitoring

Stay on top of your credit score and report with DebtIQ.
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Bigger savings

Earn 4.40% APY with LevelUp Savings when you deposit $250+ per month.2
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Cash back rewards

Earn unlimited 1% cash back on Qualified Purchases with Rewards Checking.3
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Personalized offers

See tailored recommendations and offers in your LendingClub app.
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ATM rebates

Receive unlimited ATM fee rebates on ATM fees charged by other banks.4
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Faster member applications

Fill out an expedited personal loan application in minutes.
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Early payday

Get your paycheck up to 2 days earlier with direct deposit.5
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Helpful resources

Enjoy financial tips in our resource center, access to local programs, and more.

Members-only products

TopUp

TopUp™ loan

Swap your current loan and get the extra funds you need


  • Receive an invitation to apply for a TopUp loan if you're up to date on payments 9 months after getting your LendingClub loan.* 
 

  • You could lower your payments with a competitive rate and make one single monthly payment.


  • When approved, you could have your funds in as little as 24 hours.6

*Conditions apply1

DebtIQ

Monitor all of your debt in one place for free


  • See your credit score and report anytime in the LendingClub app. 


  • Use our smart simulator to see how different actions could impact your score. 


  • Get real-time alerts about changes to your credit report. 

DebtIQ

It pays to be a member

46 pts

Improve your credit

Members who use a LendingClub personal loan to pay off high-interest credit card debt see an average FICO score increase of 46 points.7
83%

Save more money

83% of members say that LendingClub products help them keep more of what
they earn.8 
28%

Less interest paid

Members pay 28% less in interest, on average, when they consolidate credit card debt.9

Ready to join the Club?

Explore Our Products

Your membership gets
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Make the smartest money move of the day.
Download the LendingClub app now.

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595 Market Street, Suite 200

San Francisco, California 94105

If you have special access needs and are having problems accessing this website, please call 888-596-3157.
Equal Housing Lender
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  1. Members are required to have been on books for at least 9 months with their current LendingClub Personal Loan and not have taken a new LendingClub loan during that time. 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, credit usage and history.
 

  2. LevelUp Rate of 4.40% Annual Percentage Yield (“APY”) is accurate as of 06/05/2025. Standard Rate of 3.40% APY accurate as of 06/05/2025. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. 

    LevelUp Rate is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period. Otherwise, accounts will earn the Standard Rate. Interest payments, account bonuses, account credits and reversals or refunds from the bank are not considered deposits for rate evaluation purposes. All LevelUp Savings accounts earn the LevelUp Rate at account opening and continue to earn the LevelUp Rate until the First Evaluation Period, to provide an opportunity to set up deposits. While accounts will not move from the LevelUp Rate prior to the First Evaluation Period, the LevelUp Rate is variable and subject to change at any time, including prior to the First Evaluation Period.

    An Evaluation Period is a statement cycle. The First Evaluation Period will be the third statement cycle after you open your account, with any rate change becoming effective the next statement cycle. For example, if you open in August, the first Evaluation Period would be October with any rate change effective in November. Any rate changes will take place at the end of the first business day of the month and will be based on deposits in the previous statement cycle. 
     
    Fees may reduce earnings. $0 minimum opening deposit. Additional information can be found in the Product Terms & Conditions and FAQs.  

    1. Rewards Checking Cash Back Rewards: The Debit Card Rewards Program (“Cash Back Rewards”) provides 1.00% cash-back on all Qualified Purchases using a debit card tied to Eligible Accounts. Eligible Accounts are: Rewards Checking accounts that meet the following requirements for the calendar month in review: (1) Maintain an average monthly balance of at least $2,500.00; or (2) Receives at least $2,500.00 in Qualifying Direct Deposits.

      Qualifying Direct Deposits are defined as: Recurring Automated Clearing House (ACH) credits, including payroll, pension or government payments (such as Social Security) made by your employer, or an outside agency. We may require documentation to verify that credits are Qualifying Direct Deposits. Qualifying Direct Deposits do not include peer to peer payments or ACH transfers (funds transfers) from your external accounts. Transaction codes are set by payor, and business-to-business or business-to-contractor payments or transfers may be excluded from Qualified Direct Deposits, dependent on the code set by payor.

      Qualified Purchases are defined as: Signature-based purchases made using the debit card tied to an Eligible Account. These are “credit” purchases that can be made in stores and online. To make a signature-based purchase, select “credit” rather than debit at point-of-sale kiosks. The “credit” option is most often pre-selected when making purchases online using a debit card. Online subscription payments may not be considered signature-based purchases. The payment transaction type (signature-based or other) is ultimately decided by the merchant and is based on how the transaction is transmitted at the time of processing. Qualified Purchases do not include: (1) any goods or services purchased that are returned or otherwise credited to your Eligible Account; (2) unlawful purchases; or (3) purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Checks, gift cards, cryptocurrency, casino chips, peer to peer payments, prepaid debit cards, account openings, loan payments, or other cash equivalents). Any earned Cash Back Rewards will be credited to your account on or before the 10th calendar day of the next calendar month. The Eligible Account must be open and active at the time the Cash Back Reward is credited.

  4. Unlimited ATM fee rebates on ATM fees charged by other banks are only available on LevelUp Savings or Rewards Checking accounts. 

  5. Any account features that enable you to receive direct deposits, or that enable direct deposit funds to be made available to you early, are contingent upon and subject to the payor’s support of such features. 

  6. Between January 1, 2025 to March 31, 2025. 56% of Personal Loans issued by LendingClub Bank during the same period were funded in as little as 24 hours after loan approval. 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.

  7. Borrowers who refinance (via Balance Transfer) at least 51% of their outstanding debt within first 3 months of taking a loan improve their FICO score by 46 points on average. Individual results vary based on multiple factors, including but not limited to payment history and credit utilization.

  8. Based on a survey of LendingClub personal loan between June 18 – June 30, 2024. 

  9. On average, Personal Loans from LendingClub Bank are offered at an APR of 16.10% with an origination fee of 6.00% and a principal amount of $19,389 for loans with term lengths of 36 months, based on current credit criteria and an analysis of historical borrower data between October 2024 and December 2024. For credit card purchases made in Dec 2024, the average APR was 24.26%, according to publicly available information published by http://Lendingtree.com. https://www.lendingtree.com/credit-cards/study/average-credit-card-interest-rate-in-america/. If a borrower pays off a credit card balance of $18,226 with an APR of 24.26% over 36 equal monthly payments, the borrower will pay $7,606 in total finance charges. If the borrower obtains a Personal Loan with a term of 36 months and an amount financed of $18,226 (principal amount of $19,389 with an origination fee of $1,163 at 16.10% APR, the borrower’s monthly payment will be $642 and the borrower will pay $4,874 in total finance charges over the term of the loan, a savings of $2,732 as compared to the average credit card for borrowers with average credit scores.

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

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