Borrow at a low, fixed rate.

Pay off credit cards with loans up to $35,000

"Paying off my credit cards was a great feeling and now I'm on my way to being debt free!"
Chanda

Pay off credit cards with loans up to $35,000

Want to eliminate your debt and slash your monthly payments? With a personal loan via Lending Club you can pay off your high interest debt and consolidate it into a single monthly payment.

Circle the date you will be debt free

With fixed rates and monthly payments, the amount you pay will never increase, giving you a clear path to a achieve your financial goals.

Reduce your rate by an average of 32%1

Borrowers who used a personal loan* via Lending Club to consolidate debt or pay off high interest credit cards report in a survey that the interest rate on their loan was an average of 7.0 percentage points lower than they were paying on their outstanding debt or credit cards.

Apply online, it's fast and easy

Our application takes minutes, with no impact to your credit score.

The most convenient personal loan around

Instantly review the offers you qualify for, with no need to ever visit a branch. Loans are deposited directly into your bank account in as quickly as a few days.

Prepay and save even more

You can pay off your loan at any time and get rid of future interest payments. No prepayment penalty.

Boost your credit score

Consolidating your debt can improve your credit score. 77% of Lending Club customers experienced a FICO score increase three months after obtaining their loan, with an average score increase of 22 points.2

* All loans made by WebBank, a Utah-chartered Industrial Bank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history.

1 Based on responses from 21,347 borrowers in a survey of 98,585 randomly selected borrowers conducted from April 1, 2014 – April 1, 2015, borrowers who received a loan to consolidate existing debt or pay off their credit card balance reported that the interest rate on outstanding debt or credit cards was 21.8% and average interest rate on loans via Lending Club is 14.8%.

2 Average credit score change of all borrowers who took out a loan via Lending Club between January 1, 2013 and October 31, 2014 with a stated loan purpose of debt consolidation or pay off credit cards.

Accredited Business Rating

A+ rating with the Better Business Bureau

Hundreds of thousands of borrowers have received over $5 billion dollars in loans via the Lending Club platform.

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Financial Innovation

Lending Club doesn’t have physical branches, or several other layers of costs that weigh down traditional banks. But Lending Club also seems to exploit a market inefficiency that is really quite shocking, given the supposed sophistication of the big Wall Street firms.

The Atlantic

Featured Borrower

Alex

"Getting engaged forced me to make some important financial decisions, so I consolidated several sources of debt with a single loan from Lending Club."