# LendingClub

**Canonical:** https://apis.io/providers/lending-club/  
**Website:** https://www.happen.com/  
**APIs profiled:** 0

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.

## Kin Score — 5.0 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 5.0).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 6.6 |
| Access Clarity | 6.6 |

Regulatory layer — **Banking & Open Finance**: 7.6 (matched via tags).

## Agent readiness — 3.4 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | yes |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Lending Club Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/lending-club/). Scores are computed from the provider's own public artifacts under a published rubric.