How to Build Your Own LendingClub
Replace LendingClub with a custom build. We're rewriting the rules of traditional banking, and we only win when our customers succeed.
Build Difficulty: 4/5
A few focused days to build a solid replacement
Estimated Timeline
Based on 18 features at Few Days difficulty, expect about 3-5 days with AI-assisted development.
Recommended Tech Stack
Full-stack React framework with API routes and server components
PostgreSQL database, auth, and real-time subscriptions
Utility-first styling for rapid UI development
Key Features to Replicate
Top features across 8 categories. See all 18 features
Lending(7 features)
Refinance car loans with no prepayment penalties and rate checking that does not impact credit score
Use personal loans to consolidate and pay down existing debt
Option to pay creditors directly from loan funds for debt consolidation purposes
Get funded in as little as 24 hours upon loan approval with direct creditor payment or disbursement
Choose from fixed rates and payment terms upfront with no additional interest added after rate is locked
+2 more in this category
Banking(3 features)
Fixed-term deposit products with interest-earning capabilities
Award-winning checking account with rewards-earning capabilities
Interest-earning savings account designed to help maximize money growth
Platform(2 features)
Digital marketplace connecting borrowers with investors for loan origination and funding
LendingClub app for managing accounts and financial decisions on mobile devices
Support(2 features)
Phone support available at 888-596-3157 for special access needs and customer service
Support and educational resources for customers
Credit Assessment(1 features)
Rate checking with soft credit inquiry that does not impact credit score; hard inquiry only occurs when loan is issued
Security(1 features)
Deposit products FDIC-insured up to $250,000 per depositor, per ownership category
Tools(1 features)
Trademark product for debt intelligence and management
User Experience(1 features)
Apply for loans online in minutes with customized loan options based on user information
Cost Calculator
Pricing data not available for LendingClub. Check their website for current pricing.