The entire process typically takes about 7 days. In some cases, it may take a little longer, depending on what we need from you. You can complete the entire process from the comfort of your home, or even on your phone!

You can keep things moving by checking your To-Do List to make sure we have all the information and documents we need.

Once your loan is approved and backed by investors, your money is automatically deposited directly into your bank account. Depending on your bank, this step can take a few more days.

No, checking your rate won't affect your credit score. Applying for a loan through LendingClub generates a soft credit inquiry, which we use to understand your creditworthiness. This is visible only to you, not to creditors or other users of your credit report.

Visit Credit Score 101 to learn more about your credit score and protecting your credit health.

After you check your rate, here's what's next:

Choose your offer.
You'll receive multiple loan offers if you qualify. Each one shows the loan amount, interest rate, APR, monthly payment, and loan term (either 36 or 60 months).

Complete the application and verify your information.
We ask for your Social Security number, as well as information about your income and employment. If we need any additional documents, we'll let you know in your To-Do List. Then, hold tight while we review your application.

Get your money.
Once your loan is approved and backed by investors, your money will be automatically deposited into your bank account.

The entire process typically takes about 7 days. In some cases, it may take a little longer, particularly if you need to send us additional information or documents.