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What is DebtIQ?

DebtIQ from LendingClub is a free tool designed to help you get smarter about monitoring and managing your debt. In DebtIQ, you'll get access to:

  • Free credit reports

  • Your credit score

  • 24/7 credit monitoring

  • An interactive credit score simulator

  • And so much more to help you manage your debt

LendingClub Resources

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Related FAQ's
What if I haven't logged into LendingClub for a long time? Can I still access DebtIQ?
Use your username and password to log in to the website or app to enroll in DebtIQ.
DebtIQ FAQ
Dec 31, 1969
less than a minute read
Can I unenroll from DebtIQ?
You can enroll and unenroll from DebtIQ anytime with no obligation and no impact to your credit score.
DebtIQ FAQ
Dec 31, 1969
less than a minute read
Does DebtIQ work for LendingClub members who have joint accounts?
Joint account members who want to use DebtIQ will need to enroll separately.
DebtIQ FAQ
Dec 31, 1969
less than a minute read
How do I use DebtIQ?
When you log in to your LendingClub account, click the DebtIQ tab to enroll.
DebtIQ FAQ
Dec 31, 1969
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How do I make loan payments?
At LendingClub Bank, we care about your financial health. We make it easy for you to make payments that keep your account on track.
Personal Loan FAQ
Feb 12, 2025
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Related Glossary
Revolving Credit
{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.
R Letter Term
Sep 6, 2023
4 min read
Annual Percentage Rate (APR)
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
A Letter Term
Mar 21, 2023
3 min read
Accrued Interest
{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. 
A Letter Term
Mar 21, 2023
4 min read
Charge-Off
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.
C Letter Term
Feb 7, 2023
3 min read
Fixed Interest Rate
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
F Letter Term
Feb 4, 2023
3 min read

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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.

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