Also known as: LendingClub Auto Refinance
LendingClub Bank is a federally chartered online bank headquartered in San Francisco, California. LendingClub began as a peer-to-peer lending marketplace and has evolved into a full-service digital bank. In the context of auto lending, LendingClub is primarily known for offering auto loan refinancing products that allow borrowers to replace an existing auto loan with a new one.
Auto loan refinancing involves paying off an existing car loan with a new loan, typically from a different lender. The primary reason consumers refinance an auto loan is to obtain a lower interest rate, which can reduce monthly payments and the total amount paid over the life of the loan. Refinancing may also be used to change the loan term, either shortening it to pay off the vehicle sooner or lengthening it to reduce monthly payments.
LendingClub's auto refinance product is available online, and applicants can check offers without a hard credit inquiry in the initial stage. The application process is digital and does not require a dealership visit. Approval and rates depend on factors including the applicant's credit profile, the vehicle being refinanced, and the remaining loan balance.
LendingClub Bank is FDIC-insured and is regulated as a national bank. It also offers personal loans, checking accounts, and savings accounts as part of its broader digital banking platform.
Consumers considering auto loan refinancing should compare LendingClub's offer with quotes from their own bank, credit union, and other refinance lenders. Key figures to compare include the new interest rate, any origination or processing fees, the new monthly payment, and the total cost of the loan over its remaining term. Refinancing into a longer term can lower monthly payments but increase the total amount paid.
Quick info
Auto Finance
LendingClub Auto Refinance
LendingClub Corporation
FDIC-insured.
2026-06-06
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Auto loan refinancing
Additional notes
Applicants should compare offers from multiple lenders. Eligibility criteria apply.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
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Source URLs
Date checked
2026-06-06
How do I make a complaint about LendingClub Bank?
Start with LendingClub Bank's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is LendingClub Bank regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find LendingClub Bank's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think LendingClub Bank has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a LendingClub Bank issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
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