Major Expenses
Finance big expenses at lower rates.
How much do you need?
Why use a personal loan for a major expense?
Paying for a large purchase on a high-interest credit card can be costly. A fixed-rate personal loan through LendingClub can be used for almost any purchase—planned or unexpected.
Finance your special day
Weddings can be expensive. Minimize the financial stress with a personal loan.
Plan a dream vacation
No matter where your wanderlust takes you, a personal loan can be a responsible way to pay for your trip.
Cover an unexpected expense
If life throws something unexpected your way, a personal loan can help you keep your debt under control and your finances on track.
Pay for your purchase in installments with a personal loan
- Make your purchase now and pay over time, with one low monthly payment that never increases
- Apply from the comfort of your own home—our convenient online application makes it easy
- You have the flexibility to decide how to use your loan, because the money is deposited directly into your bank account
I needed a quick loan for a major purchase. I applied and money landed in my bank account in about a week. Couldn't have been easier.
— LendingClub customer
How it works
Apply from anywhere. Get your money fast.
Apply Online in Minutes
Tell us about yourself and how much debt you want to consolidate.
Select a Loan Offer
Review your monthly payment and interest rate options. Then choose the consolidation loan option you like best.
Get Your Money
Your loan is automatically deposited into your bank account.
What customers are saying
Easy Process
I cannot tell you how much I appreciate the ease of your online loan application…this made paying for my daughter’s wedding stress free so that I can relax and enjoy the day.
Best way to get a loan
I got the loan that I applied for, and it was in my account in days… so happy I have the cash bargaining power to negotiate that motorcycle I have been eyeing.
Very fast and easy
My small loan helped me pay off some higher-interest personal loans and pay a medical bill. The entire process was fast and easy, from application to receipt of funds.
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.
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How can I use a personal loan?
You can use a personal loan for just about any major expense:- Weddings and other special events
- Travel
- Unexpected expenses, like car or home repairs
- Medical expenses for you, your family, or your pets
- Taxes that are higher than you expected
There are just a few things you can’t use a personal loan for, including investments, gambling, education after high school, and anything illegal.
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How quickly can I get a loan?
The entire process is usually faster than a home equity loan or HELOC; it 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.
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How do I make payments?
With a personal loan through LendingClub, you can choose to make payments automatically each month from your bank account. We'll email you a reminder a few days beforehand so you can make sure money is there.
Because you have a single payment each month and a fixed loan term, you’ll know exactly how much you owe each month and how quickly you’ll be able to pay off your purchase.
You can also change your payment date, make additional payments, or pay off your loan right from your Account Summary. And if you prefer to pay by check, we offer that option as well.
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