Borrow at a low, fixed rate.

Imagine the day you will be debt free

Imagine the day you will be debt free

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 31%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 6.8 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 25,091 borrowers in a survey of 119,280 randomly selected borrowers conducted from January 1 - December 31, 2014, 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 21.7% and average interest rate on loans via Lending Club is 14.9%.

2 Average credit score change of all borrowers who took out a loan via Lending Club between January 1, 2013 and July 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

The math pitch involves the increased efficiency of cutting out the banks, allowing relatively lower rates for borrowers and good returns for lenders.

New York Times

Featured Borrower

Andy

"The interest rate on my loan through Lending Club is a third less than what I was paying before, and it’s very satisfying to know that there is an end date for being done with my debt."