LendingClub

LendingClub is a US consumer-finance company and digital bank, originally founded in 2006 as a peer-to-peer marketplace lender and later a national bank holding company after its 2021 acquisition of Radius Bancorp. In 2026 the company rebranded as Happen Bank, N.A. (a wholly-owned subsidiary of Happen, Inc.) and moved its public web presence from lendingclub.com to happen.com, where it offers personal loans, auto refinancing, business loans, LevelUp checking and savings accounts, the DebtIQ credit dashboard, and an institutional investing program for marketplace-lending loan buyers. LendingClub historically published a public Investor API for its retail notes marketplace; that marketplace was retired in December 2020 and the developer portal and API documentation are no longer published. As of this enrichment pass the company operates no public developer program, API reference, or SDK surface, and no OpenAPI or event specifications are available to harvest.

LendingClub is profiled on the APIs.io network. Tagged areas include Company, Financial-Services, Banking, Lending, and Consumer Finance.

LendingClub’s developer surface includes support, engineering blog, and 11 more developer resources.

🌐 Visit website 📡 Source on GitHub

5.0/100 minimal ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Company Financial-Services Banking Lending Consumer Finance Fintech Marketplace Lending Personal Loans

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 5.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 1.1 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 5.8 / 9

Regulatory Posture 1.1 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/lending-club: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

Login

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

HelpCenter

HelpCenter

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

Website

About

About

Blog

Blog

InvestorRelations

InvestorRelations

Source (apis.yml)

aid: lending-club
name: LendingClub
description: LendingClub is a US consumer-finance company and digital bank, originally founded in 2006 as a peer-to-peer marketplace
  lender and later a national bank holding company after its 2021 acquisition of Radius Bancorp. In 2026 the company rebranded
  as Happen Bank, N.A. (a wholly-owned subsidiary of Happen, Inc.) and moved its public web presence from lendingclub.com
  to happen.com, where it offers personal loans, auto refinancing, business loans, LevelUp checking and savings accounts,
  the DebtIQ credit dashboard, and an institutional investing program for marketplace-lending loan buyers. LendingClub historically
  published a public Investor API for its retail notes marketplace; that marketplace was retired in December 2020 and the
  developer portal and API documentation are no longer published. As of this enrichment pass the company operates no public
  developer program, API reference, or SDK surface, and no OpenAPI or event specifications are available to harvest.
url: https://raw.githubusercontent.com/api-evangelist/lending-club/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://www.happen.com/favicon.ico
x-type: company
x-source: vc-portfolio
x-backed-by:
- canaan-partners
x-tier: stub
x-tier-reason: no-public-api-program
x-rebrand:
  as: Happen Bank
  domain: https://www.happen.com/
  note: lendingclub.com redirects to happen.com
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Financial-Services
- Banking
- Lending
- Consumer Finance
- Fintech
- Marketplace Lending
- Personal Loans
tags_raw:
- Company
- Financial Services
- Banking
- Lending
- Consumer Finance
- Fintech
- Marketplace Lending
- Personal Loans
apis: []
common:
- type: DomainSecurity
  url: security/lending-club-domain-security.yml
- type: Website
  url: https://www.happen.com/
- type: About
  url: https://www.happen.com/company/about-us
- type: HelpCenter
  url: https://www.happen.com/help
- type: Support
  url: https://www.happen.com/company/contact
- type: Blog
  url: https://www.happen.com/resource-center
- type: Login
  url: https://www.happen.com/loans/landing/login
- type: TermsOfService
  url: https://www.happen.com/legal/terms-of-use
- type: PrivacyPolicy
  url: https://www.happen.com/legal/privacy-policy
- type: GitHubOrganization
  url: https://github.com/LendingClub
- type: InvestorRelations
  url: https://www.happen.com/company/contact/investor-relations
- type: Lifecycle
  name: LendingClub API lifecycle and rebrand record
  url: lifecycle/lending-club-lifecycle.yml
- type: LLMsTxt
  name: LendingClub llms.txt
  url: llms/lending-club-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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