What Documents May I Be Asked to Submit?

3 min read

Once you submit your application, we'll try to confirm your information on our own. Sometimes, you may need to submit a few things to confirm your identity, income, and employment. Keep an eye on your email or check your To-Do List anytime to see what’s left to wrap up your application.

You can submit documents by uploading them from your computer or your mobile device. We can't accept links to documents from online storage services, like Google Drive or Box.

Income documents

The exact documents you may need depend on your situation. For example, someone who's self-employed will likely need to provide different documents than someone who is employed by a company.

Common documents that show income:

  • Pay stubs

  • Recent bank statements

  • 1099 forms

If your income comes from different sources, you can provide:

  • Retirement

  • Alimony

  • Child support

  • Other types of income documents, if you'd like them considered

If you're self-employed or a freelancer, you may need to submit a recent tax return or other forms like a W-2 or 1099.

The IRS Form 4506-T lets us ask the IRS for copies of your tax returns, W-2, and 1099 forms. It helps us quickly confirm your income. If you see this on your To-Do List, you can download the Form 4506-T there, or you can get it from the IRS (see Completing the Form 4506-T for instructions on filling it out).

Identity and address documents

You may need to provide a copy of your government-issued photo ID, recent utility bills, or other documents. These help confirm your identity and current address.

You can provide these other documents instead, as long as they show your name and current address:

  • Cable, water, waste management, phone, or local gas or electricity bill

  • Vehicle or voter registration (must show a physical address)

  • Lease agreement

  • Bank or mortgage statements

  • Government-issued photo ID (Note: For your security, please do not send a copy of a military ID)

  • Pay stubs

  • Official change of address confirmation from USPS

  • Automobile, homeowner's, or renter's insurance

You can upload your documents through the online portal (quickest option), or fax them with the cover sheet in your Member Center to the number listed on that cover sheet.

Here are some of the things we might request. Each request in your To-Do List shows the requested information:

  • Business Tax returns: We use these to verify your income and sales. We may ask for copies of your recent tax returns or for tax forms, such as 1099s or Schedule K1s, to verify all of the details.

  • IRS Form 4506-T: We use this form to request copies of your tax returns, W-2s, and 1099 forms directly from the IRS. A completed form can quickly help us verify your income. Your Client Advisor will work with you to complete the form and ensure the signatures are valid.

  • Proof of personal income: We may ask for additional documents to verify your personal income, such as recent bank statements or pay stubs. In some cases, we may need proof of income for alimony or child support, pension or annuity income, or disability insurance or Workers’ Compensation benefits, or other types of income.

  • Proof of identity and address for you or your business: We may request a copy of your government-issued photo ID, recent utility bills, or other documents to verify your business and personal identity and current address.

Document verifications

Once you’ve uploaded all the documents we’ve requested, you’ll see a status update that your documents are in review. If we need additional information while your application is in review, we'll reach out to you by phone or email.

It usually takes about two business days for us to review your documents.

Keep more of what you earn and earn more on what you save.
Check your rate. It won’t impact your credit score.
Privacy & Security

LendingClub Resources

Related Resource Center
Want to consolidate high-interest debt, renovate your home, or manage an unexpected expense? A personal loan could help.
Sep 25, 2023
7 min read
Top 4 Reasons to Get a Personal Loan
Home repair costs have increased. Knowing upfront what you can expect to pay for certain types of improvements can help you prepare financially and save you a lot of stress.
Aug 28, 2023
8 min read
knowing common home repair costs can help you prepare for the future
It's common to see the buy now, pay later payment option at online checkout — but should you use it? Learn what BNPL is, how it works, and alternatives for borrowing money.
Aug 22, 2023
5 min read
Woman's hands on keyboard of laptop displaying image of shopping cart and buy now, pay later text
Anytime the Federal Reserve decides to raise interest rates, it typically creates a ripple-effect throughout the economy. We take a look at some of the ways rising rates influence how you borrow and spend, and the impact rising rates can have on variable rate debt you may be carrying.
Jul 17, 2023
7 min read
Torso of woman wearing pink sweater sitting at paper-strewn desk with phone in hand and using calculator.
Whether you're completing a large home improvement project or paying down high-interest rate credit cards—a personal loan can give you the boost you need to reach your financial goals.
May 21, 2023
12 min read
Where to Find the Best Personal Loans in 2022
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.
Nov 13, 2022
2 min read
blog header stackit 765x430 v1-1
Even in today’s low-yield, high-inflation environment, it’s essential to keep a certain amount of money in an easy-to-access checking or savings account for things like daily household and emergency expenses, or to meet short-term financial goals.
Oct 2, 2022
5 min read
LendingClub Rewards Checking Nationally Certified as Trusted, Afforda
Since 2007, LendingClub has been on a mission to deliver a world-class experience to all our members. This month we took a moment to reflect on the more than four million members who have chosen LendingClub as their partner to help them reach their financial goals.
Apr 19, 2022
2 min read
Illustration of large number 4 and letter M made up of colorful, tiny illustrations of ethnically diverse people
In March 2022, we hosted our first quarterly webinar where we celebrated our one-year anniversary as a digital marketplace bank. 
Mar 6, 2022
less than a minute read
Blog-post
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.  
Jan 2, 2022
2 min read
Man in blue button up shirt and glasses smiling
Related FAQ's
Adding creditors to your balance transfer loan is easy.
Jun 7, 2023
3 min read
The 4506-T form gives us permission to request a copy of your tax return from the IRS. We use it to verify the accuracy of the financial information you entered on the application. You won’t be charged anything for the form.
Jun 7, 2023
2 min read
After you submit your application, you'll get an email with instructions for confirming your email address.
Jun 7, 2023
less than a minute read
In some cases, we may need to confirm your employment before your application can be finalized. The fastest way to confirm your employment is to provide your work email address.
Jun 7, 2023
less than a minute read
To process your application, we may need to confirm your income matches what was on your application.
Jun 7, 2023
less than a minute read
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.
Sep 6, 2023
4 min read
{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. 
Mar 21, 2023
4 min read
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
Mar 21, 2023
3 min read
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.
Feb 7, 2023
3 min read
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
Feb 4, 2023
3 min read

Any reviews presented are individual experiences and results may vary. Reviews collected and authenticated by Bazaarvoice. All reviews can be accessed at https://www.lendingclub.com/company/reviews

Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

"LendingClub" and the "LC" symbol are trademarks of LendingClub Bank.

© 2024 LendingClub Bank. All rights reserved.