LendingClub

LendingClub is a US consumer-finance company and national bank, founded in 2006 as a peer-to-peer marketplace lender and now a Fortune 1000 digital bank following its 2021 acquisition of Radius Bancorp. In 2026 it rebranded as Happen Bank, N.A. and moved its web presence from lendingclub.com to happen.com. It no longer operates a public developer program: the /developers tree and the LCX Primary and Secondary Market API technical documentation were withdrawn during the rebrand and now return HTTP 404, while the legacy investor host api.lendingclub.com remains live but gated and undocumented. The API the company still markets - "API-driven purchasing" inside Marketplace Connect for institutional loan buyers - is reachable only through an institutional contact-sales form, with no published reference or machine-readable contract.

LendingClub publishes 1 API on the APIs.io network. Tagged areas include Fintech, Personal Loans, Banking, Financial-Services, and Marketplace Lending.

LendingClub’s developer surface includes support, engineering blog, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub

6.6/100 minimal ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

AccessEnterprise

1 APIs

Fintech Personal Loans Banking Financial-Services Marketplace Lending Consumer Lending

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 6.6/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 2.5 / 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 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/lendingclub: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

LendingClub API

No public contract or reference is published for this API. api.lendingclub.com is live and gated - /api/investor/v1/accounts/1/summary answers HTTP 401 and /api/investor/v1/loan...

Pricing Plans 1

Published pricing tiers and plan structures.

Lendingclub Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Lendingclub Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Lendingclub Finops

FINOPS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Lendingclub Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

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 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

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 5

The organization behind the API

About

About

Blog

Blog

InvestorRelations

InvestorRelations

LinkedIn

Website

Website

Source (apis.yml)

aid: lendingclub
url: https://raw.githubusercontent.com/api-evangelist/lendingclub/refs/heads/main/apis.yml
name: LendingClub
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: medium
  source:
  - plans
  - url: https://www.lendingclub.com
    status: 301
    note: declared website redirects to https://www.happen.com/?b=7f79f2de-7eb3-4ffe-b2e9-613ff6c70b41 — a different registrable
      domain (lendingclub.com -> happen.com), possible rename or acquisition (probed 2026-09-03, roadmap#169)
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/lendingclub.png
tags:
- Fintech
- Personal Loans
- Banking
- Financial-Services
- Marketplace Lending
- Consumer Lending
tags_raw:
- Fintech
- Personal Loans
- Banking
- Financial Services
- Marketplace Lending
- Consumer Lending
description: 'LendingClub is a US consumer-finance company and national bank, founded in 2006 as a peer-to-peer marketplace
  lender and now a Fortune 1000 digital bank following its 2021 acquisition of Radius Bancorp. In 2026 it rebranded as Happen
  Bank, N.A. and moved its web presence from lendingclub.com to happen.com. It no longer operates a public developer program:
  the /developers tree and the LCX Primary and Secondary Market API technical documentation were withdrawn during the rebrand
  and now return HTTP 404, while the legacy investor host api.lendingclub.com remains live but gated and undocumented. The
  API the company still markets - "API-driven purchasing" inside Marketplace Connect for institutional loan buyers - is reachable
  only through an institutional contact-sales form, with no published reference or machine-readable contract.'
created: '2026-04-19'
modified: '2026-09-06'
specificationVersion: '0.23'
apis:
- aid: lendingclub:lendingclub-api
  name: LendingClub API
  tags:
  - Fintech
  - Personal Loans
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://api.lendingclub.com
  humanURL: https://www.happen.com/institutional-investing/overview
  properties:
  - url: lifecycle/lendingclub-lifecycle.yml
    type: Lifecycle
  description: No public contract or reference is published for this API. api.lendingclub.com is live and gated - /api/investor/v1/accounts/1/summary
    answers HTTP 401 and /api/investor/v1/loans/listing answers HTTP 403 - but the documentation that described it was withdrawn
    in 2026 (probed 2026-09-06). The former developer portal developer.lendingclub.com now 301s to the happen.com marketing
    homepage, and the /developers and LCX Primary/Secondary Market documentation trees return HTTP 404 on both domains. humanURL
    points at the institutional-investing page, which is the only live page that still states an API exists; access runs through
    the institutions-and-banks contact form.
common:
- 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: InvestorRelations
  url: https://www.happen.com/company/contact/investor-relations
- type: Lifecycle
  url: lifecycle/lendingclub-lifecycle.yml
- type: LLMsTxt
  url: llms/lendingclub-llms.txt
- type: DomainSecurity
  url: security/lendingclub-domain-security.yml
- type: GitHubOrganization
  url: https://github.com/LendingClub
- type: LinkedIn
  url: https://www.linkedin.com/company/happenbank
- type: Packages
  url: packages/lendingclub-packages.yml
- type: Website
  url: https://www.happen.com
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-enrichment:
  date: '2026-09-06'
  status: minimal
  artifacts_added: 2
  pass: local-v3
x-coverage:
  state: gated
  reason: sales-gate
  detail: The LCX Primary and Secondary Market REST API technical documentation, live as recently as 2026-06-08, now returns
    HTTP 404 on both lendingclub.com and happen.com after the Happen Bank rebrand, leaving the "API-driven purchasing" that
    Marketplace Connect still advertises reachable only through the institutions-and-banks contact-sales form.
  evidence:
  - url: https://www.happen.com/institutional-investing/lcxpm-api
    status: 404
  - url: https://www.happen.com/developers/api-overview
    status: 404
  - url: https://www.happen.com/institutional-investing/overview
    status: 200
  - url: https://www.happen.com/company/contact/institutions-and-banks
    status: 200
  - url: https://api.lendingclub.com/api/investor/v1/accounts/1/summary
    status: 401
  checked: '2026-09-06'

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