Borrow at a low, fixed rate.

Imagine the day you will be debt free
Imagine the day you will be debt free

Debt Consolidation Loans

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

Lower Rates: Reduce your interest rate by an average of 33%1

Borrowers who used a personal loan* via Lending Club for debt consolidation or to pay off high interest credit cards report in a survey that the interest rate on their loan was an average of 33% lower than they were paying on their outstanding debt or credit cards.

Circle the date you will be debt free

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

Apply for a loan online, it's fast and easy

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

The most convenient personal loan around

Instantly review the debt consolidation loan 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.

Debt consolidation can boost your credit score

A debt consolidation loan can improve your credit score. 76% of Lending Club customers experienced a FICO score increase three months after obtaining their loan, with an average score increase of 21 points.2

Read Lending Club Reviews

See what real customers say about getting a personal loan.

* 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.

1Based on responses from 9,874 borrowers in a survey of 46,885 randomly selected borrowers conducted from October 1, 2014 – October 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 22.1% and average interest rate on loans via Lending Club is 14.7%.

2 Average credit score change of all borrowers who took out a loan via Lending Club between January 1, 2013 and June 30, 2015 with a stated loan purpose of debt consolidation or pay off credit cards.

Lending Club Better Business Bureau A+ Rating

A+ rating with the Better Business Bureau

Hundreds of thousands of borrowers have received over $13 billion dollars in loans via the Lending Club platform.

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Financial Innovation

Companies like Lending Club are cutting out the middle man − banks − to offer consumers the opportunity to lend money directly to others and obtain a higher return.

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Featured Borrower


"The application process was simple, and it was neat to watch the process as people invested in my loan."