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Resource Center

Tools, tips, and insights to help improve your financial health.

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Personal LoansCredit Scores & CreditSafety & Privacy

What is a Personal Loan—and Why Get One?

Which Type of Loan is Right for You?

Home Improvement Personal Loans

Credit Utilization Calculator

Do I Have a Debt Problem?

Personal Loan vs. Credit Card: How to Decide?

Choosing Your Offer

Why Do People Get Personal Loans?

What to Do If You’re Declined

What is a Debt Management Plan?

What Affects My Credit Score and Interest Rate?

Key Terms about Money and Credit

What is Credit Utilization and How to Improve It?

Debt-to-Income Ratio: What It Is and How to Improve It

Understanding Credit Scores

How to Protect Yourself from Scams

How to Prevent Identity Theft

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  • All loans made by WebBank, Member FDIC.

    This content is for informational purposes only and is not a substitute for individualized professional advice. Links to third-party websites should not be viewed as endorsements.

    Your actual rate depends upon credit score, loan amount, loan term, credit usage and credit history. The APR ranges from 6.95% to 35.89%. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at time of application. The origination fee ranges from 1% to 6%; the average origination fee is 5.2% (as of 12/5/18 YTD). There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months or longer.