Credit Card Payoff

Free yourself from credit card debt

How much do you need?
Neville used a personal loan through LendingClub to pay off his credit cards.

Why pay off your credit cards with a loan?

Save money by reducing your interest rate.

lock rate

Get a fixed rate

With an affordable fixed rate, your monthly payment never increases.

debt free

Know when you'll be debt free

With a 36- or 60-month loan term, you're on a clear path to becoming debt free.

cut up credit cards

Immediately pay off your credit cards

Swap out your high-interest credit card debt for a fixed-rate loan.*

I am saving a ton by paying off all my credit cards and my monthly payment is lower. I was already making extra payments to the CC companies to pay down my debt but this is such a huge advantage!
— LendingClub Customer

How it works

Apply from anywhere. Get your money fast.

Apply online in minutes
Tell us about yourself and how much you want to borrow.
Select a loan offer
Review your monthly payment and interest rate options, and choose the one you like best.
Get your money
Your loan is automatically deposited into your bank account.

How much can you save?

Enter information about your existing debt to see how much time and money you could save.*




Total Debt





Borrow up to $40,000 and get your money in as little as 7 days.

  • Fixed monthly payments
  • Low, fixed interest rates with no hidden fees
  • Make payments automatically from your bank account
  • No prepayment penalties

What customers are saying

Getting rid of high credit card debt
…The cost of the loan was a lot lower than the credit cards and the loan will be paid off in a shorter period. It is great to see the debt more manageable.
Simple Process and Quick Response
I was very surprised at how easy the process was and how quickly they gave me an answer. I was able to consolidate all my payments into one and have less stress!
Fantastic! Thank you :)
Quick and easy! I'm on my way to being credit card debt free and could not be happier! Thank you, LendingClub.
Get your rate in minutes
Won't affect your credit score
Borrow up to 40,000

How can we help?

You have questions. We have answers.