In some cases, you may receive a counter offer for your application. There are two times in the process where counters can be presented: once at the time of application and secondly, after the review process. At the time of the application, if we cannot offer the amount you requested, we will present the best offer possible (along with other options). If you accept, LendingClub will proceed with the selected offer to review and confirm the terms of your selected offer.
Additionally, it is possible to get a counter offer after you have accepted the initial offer. Once the review is completed we will present any counter offers to you and let you know the reason for the counter. Typically, this happens when we can’t verify the information on your application. To accept the revised offer, follow the directions in your counter offer email.