Take control of your debt

How much do you need?
Won't impact your credit score.
Save Money
Many balance transfer customers save an average of nearly $900 over the course of their loan.*
Save Time
Say goodbye to individual payments—your creditors will receive your payments automatically.
Improve Your Credit
Many members raise their credit score in just 3 months.*

What the LendingClub community is saying

A Brighter Tomorrow
My wife and I got in a little over our heads on one credit card to the tune of $16K. LendingClub has helped us tremendously. We are getting out of the burdensome percentage rate on our credit card and giving our family a brighter, less stressful tomorrow.
Consolidate Debt, Save Money
LendingClub is a great way to pay off high interest credit cards and consolidate all your debt into one payment. You actually save money every month and pay the balance off way faster!
Saving $300 a Month
You have given me the ability to sleep at night. I applied for a loan that allowed me to pay off my high interest credit card debt. I now have only one payment and it’s saving me $300 a month.*
60 Billion +
3 Million +

What is a balance transfer loan?

A balance transfer loan makes paying down credit cards or high-interest rate debt simple by allowing you to decide which creditors to pay and the amount to send each one. Any remaining money from your loan is deposited to your bank account.

How it works

Apply anytime, from anywhere. Your money will go straight to your creditors.


Apply in minutes
Tell us how much you’d like to borrow and a bit about yourself.


Select your balance transfer loan
A balance transfer loan can increase your credit score.*


Payment straight to your creditors
Decide who you’d like to pay and how much. We accept over 1,700 creditors.


Money transferred directly to you
Any remaining funds from your loan will be deposited into your bank account.

Learn more about balance transfers

Balance Transfer Loans vs. Cards
Balance transfer FAQ

More questions? We’ve got answers.

Head to our Help Center to learn more about balance transfer loans.
LendingClub has been recognized by
USA Today
The New York Times