Checking your rate with LendingClub Bank has no impact to your credit score because we use a soft credit pull. A hard credit pull that could impact your score will only occur if you continue with your loan and your money is sent.
Learn more about your credit score and how to protect your credit health.
Will checking my rate affect my credit score?
Additional Before You Apply FAQ
- Am I required to take out extra cash?
- What is a TopUp loan?
- What happens after I check my rate?
- What products are similar to TopUp?
- Are there any fees?
- How can I use the cash portion of my TopUp loan?
- What could affect the final amount of cash funds I receive?
- How much can I borrow?
- How quickly can I get my TopUp loan?
Keep more of what you earn and earn more on what you save.
Check your rate. It won’t impact your credit score.
LendingClub Resources
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Related Impact
From groceries and diapers to Halloween costumes for pets, nearly 60% of American consumers prefer to shop online for everyday items that make life more convenient, comfortable, and enjoyable. And with rising prices showing no signs of stopping anytime soon, we’re pleased to introduce StackitTM from LendingClub Bank—a new browser extension that automatically finds and rewards eligible members with coupons and cash back for extra savings at more than 15,000 favorite online retailers.
LendingClub completed the acquisition of Radius Bank in February 2021. At that time, in addition to the direct-to-consumer deposit business, we inherited a fintech partner program, and several lending businesses. As we reach the one-year anniversary of the acquisition, and in conjunction with the conclusion of a strategic review of our business operations, we have made the decision to discontinue certain businesses that don’t fit our mission.
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Related Glossary
{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.
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
{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 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.
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.