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Online Personal Loans + Full-Service Banking | LendingClub

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## We’re rewriting the rules of traditional banking, and we only win when our customers succeed. We’ve helped over 5 million members reach their goals, and we’re just getting started!

Personal Loans

Auto Refinancing

Banking

## Up to $60,000 in just a few clicks

With the ability to choose a loan amount of up to $60,000, LendingClub offers fixed rates and a monthly repayment plan to fit within your budget. We understand the importance of getting the money you need, so we work to have funds disbursed to you quickly upon loan approval.

## Refinance and drive away with savings

Put more money back in your pocket by refinancing your car loan with LendingClub. There are no origination fees or prepayment penalties with LendingClub auto loan refinancing, and checking your rate will not impact your credit score.

## LevelUp your earnings with our bank accounts

Our award-winning checking and savings products work as hard for your money as you do. Whether it's our rewards-earning LevelUp Checking account or our interest-earning LevelUp Savings account and CDs, we help you take your finances to the next level.

## How a personal loan with LendingClub works

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## How a personal loan with LendingClub works

- ### Apply online in minutes

Get customized loan options based on what you tell us.
- ### Choose a loan offer

Select the rate, term, and payment options you like best.
- ### Get funded in as little as 24 hours

Once your loan is approved for funding, we’ll pay your creditors directly or send the money in as little as 24 hours`.`5
- ### Get funded in as little as 24 hours

Once your loan is approved for funding, we’ll pay your creditors directly or send the money in as little as 24 hours`.`5

Check Your Rate

## Bank smarter with LendingClub

Make the most of your money with LendingClub, named 2024's Best Online Bank by GOBankingRates. Our award-winning checking, savings, and loan products are designed to help our members achieve their financial goals.

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## Your membership gets
better in the app

Make the smartest money move of the day.
Download the LendingClub app now.⁴


## Join over 5 million members

“Thank you so much for valuing me as a customer, and coming through for me and my family at a trying time in this world.“ 6

**Roselyn, a member from Texas**

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Questions? We’ve Got Answers

How is LendingClub different?

LendingClub is the leading digital marketplace bank in the U.S., connecting borrowers with investors since 2007. Our LC™ Marketplace Platform has helped more than 5 million members get over $90 billion in personal loans so they can save money, pay down debt, and take control of their financial future.

And because we don’t have any brick-and-mortar locations, we’re able to keep costs low and pass the savings back to you in the form of great interest rates. Learn more about our personal loan rates.

What is a personal loan?

A personal loan is money lent through a financial institution like a bank or an online lending marketplace that can be used to pay down credit cards, consolidate debt, or cover a wide range of expenses. Personal loans come with fixed monthly payments over a set period of time.

How is a personal loan different than a credit card?

Instead of credit limits, introductory rates, or revolving balances, personal loans come with a fixed rate and payment that you choose up front. No additional interest will be added to your loan once you lock in your rate, so nearly all of your monthly payment goes to quickly reducing your balance and paying down your debt. Learn more about personal loans vs. credit cards.

Will checking my rate hurt my credit score?

Checking your rate with LendingClub Bank has absolutely 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. The good news is that a personal loan could also positively impact your credit down the road by showing a history of on-time payments and reducing your total debt (as long as you don’t add new debt, like increased credit card balances). Learn more about soft vs. hard credit check.

How can I protect myself from scams?

Scammers often try to collect personal and/or financial information from consumers by posing as employees of philanthropic organizations or financial services companies. Be cautious about providing personal or financial information to anyone, even if they claim to be from a company you already do business with. Learn about the advance fee scam.

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595 Market Street, Suite 200

San Francisco, California 94105

If you have special access needs and are having problems accessing this website, please call **888-596-3157**.

- Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, term length, and making payments as agreed.
- Checking a rate through us generates a soft credit inquiry on a person’s credit report, which is visible only to that person. A hard credit inquiry, which is visible to that person and others, and which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.
- The APR discounted rate is a discount that some customers may receive for taking out a loan to pay down existing debt, which is discounted from the rate given for taking a full cash loan. Not all applicants will qualify for the discount. Any actual discount rate will be determined at the time of application. The best APR discounts are available to borrowers with excellent credit. Advertised discounted rates are subject to change without notice.
- Standard data and message rates may apply to Mobile Banking services. This includes the use of LendingClub Mobile, LendingClub Commercial, and other services. Android is a trademark of Google LLC. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.
- Between Apr 2025 to June 2025, 53% of LendingClub Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.
- Reviews are collected and authenticated by Bazaarvoice. Reviews reflect one person’s experience. Individual results may vary.

We're committed to showing authentic, accurate, complete reviews from real customers. We work with Bazaarvoice, an independent company that collects and safeguards customer reviews. This third-party service ensures that reviews represent real customers’ genuine, unbiased opinions about their experiences with LendingClub Bank. Learn more here: https://www.bazaarvoice.com/legal/trustmark/

Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/lendingclub.com.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,234 for a term of 36 months, with an interest rate of 13.24% and a 6.00% origination fee of $1,154 for an APR of 17.63%. In this example, the borrower will receive $18,080 and will make 36 monthly payments of $650. Loan amounts range from $1,000 to $60,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states.

For Personal Loans, APR ranges from 7.04% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of July 11, 2025 and are subject to change without notice.

© 2017-2025 and TM, NerdWallet, Inc. All Rights Reserved.

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,” the “LC” symbol, “TopUp,” and “DebtIQ” are trademarks of LendingClub Bank.

© 2025 LendingClub Bank. All rights reserved.