Any US citizen or resident over 18 years old can apply. You must have a Social Security number, a U.S. address (including APO/FPO addresses), and a valid government-issued photo ID.
Who can apply?
Last Updated March 11, 2026less than a minute read
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Related FAQ's
There are two ways to check if your provider offers LendingClub financing.
We offer financing to cover a wide range of procedures and treatments—up to $50,000.
While our partner network is expanding, we currently offer closed-end, fixed-rate financing for these types of products and services:
Most applications receive a decision in seconds but, at a minimum, you’ll hear from us before the end of the next business day.
There are two ways to check if your provider offers LendingClub financing.
Related Glossary
{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.
{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment.
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
