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Personal loans up to $40,000
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Small Business Loans
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Check your rate. It won't impact your credit score.
$
45 Billion +
Borrowed
3 Million +
Customers
Average Customer Rating

How LendingClub works

Apply in minutes

Get personal loan options customized based on what you tell us.

Choose a loan offer

Select the rate, term, and payment options you like best.

Get your money fast

Send cash directly to your bank account, or pay your creditors through LendingClub for a lower APR, if approved.

How LendingClub works

1
Apply in minutes
Get personal loan options customized based on what you tell us.
2
Choose a loan offer
Select the rate, term, and payment options you like best.
3
Get your money fast
Send cash directly to your bank account, or pay your creditors through LendingClub for a lower APR, if approved.

Does your financial health affect your quality of life?

Explore Our Research Findings
LendingClub has been recognized by

We’re here to help you succeed

Our mission is to transform the banking system to make credit more affordable and investing more rewarding.

Since 2007, we've helped 3 million people achieve greater financial wellness, and that number is growing. As the trailblazer in peer-to-peer lending, we've evolved into America's largest online marketplace that allows borrowers to apply for personal loans, auto refinancing, business loans, and elective medical procedures. Through our marketplace, we're providing investors access to consumer credit, which may help diversify their investment portfolios, and the opportunity to earn competitive returns.*

Headquartered in San Francisco, we operate fully online without any branch locations, which allows us to keep operating costs low and focus more resources on our customers. We are transforming the banking system into a frictionless, transparent, and highly efficient digital experience, and we're here for you.

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Checking your rate generates a soft credit inquiry, which is visible only to you. A hard credit inquiry that may affect your credit score only appears when your loan is issued.

LendingClub Notes are not FDIC insured • not guaranteed • may lose value

LendingClub Member Payment Dependent Notes (Notes) are offered by prospectus. Investors should review the risks and uncertainties described in the prospectus carefully prior to investing. Historical performance is not a guarantee of future results and investors may lose some or all of the principal invested. LendingClub does not provide investment, tax, or legal advice. You should consult your legal, tax, and/or investment professional prior to making any financial or investment decision. While returns are dependent upon borrower payments of principal and interest, Note holders do not have a security interest in the corresponding loans or loan proceeds. Notes are unsecured obligations of LendingClub. Returns may be impacted by, among other things, the number and attributes of Notes owned, as well as macroeconomic and other conditions.