Pay down high interest debt and save
Competitive, fixed rates
Fixed monthly payments
No prepayment fees or penalties
88 Kearny Street, Suite 600
San Francisco, CA 94108
*See disclosures below.
1. Rate Check Claim Checking a rate through us generates a soft inquiry on a person’s credit report, which does not impact that person’s credit score. A hard credit inquiry, which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person.
Personal Loans Debt Paydown APR Discount The APR discounted rate is a discount that some customers may receive for taking out a loan to pay down existing qualifying debt paid directly by LendingClub; such rate is discounted from the rate given for taking a full cash loan. Not all applicants will qualify for the discount. Any actual discount rate will be determined at the time of application. The best APR discounts may be available to borrowers with excellent credit. Advertised discounted rates are subject to change without notice.
Personal loans through LendingClub Bank are not available to fund any post-secondary educational expenses, purchase or carry any securities, invest, trade, or speculate in any currencies, including without limitation cryptocurrencies or digital currencies or any future or derivatives thereof, or fund illegal activities.
2. Approval for Funding Claim Between January 2026 to March 2026, 64% of LendingClub Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.
3. Loan Payment Cash Back provides the opportunity to earn 2% cash back for on-time qualifying LendingClub loan payments made electronically from a LevelUp Checking account. Direct Deposit into LevelUp Checking account required for eligibility to receive cash back. Please visit LendingClub.com/LevelUp-Checking for additional information about LevelUp Checking, including details relating to cash back requirements. LevelUp Checking account must be open and active at the time the cash back is credited. Accounts subject to approval which may include credit approval. No minimum opening deposit required. Please see Product Terms and Conditions for additional product details. Member FDIC. FDIC-insured up to $250,000 per depositor for each ownership category.
Customer Ratings Footnote Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/lendingclub.com. This is one person's experience. Individual results may vary.
Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, term length, and making payments as agreed.
Credit Card Savings Claim
Between January 2026 and March 2026, on average, the APR for a LendingClub Personal Loan was 17.32% with an origination fee of 6% and a principal amount of $48,925 for loans with term lengths of 36 months, based on current credit criteria and an analysis of historical borrower data. Between October 2025 and December 2025, the average APR for credit cards was 20.97%, according to publicly available information published by Federal Reserve https://www.federalreserve.gov/releases/g19/current/. If a borrower pays off a credit card balance of $45,990 with an APR of 20.97% over 36 equal monthly payments, the borrower will pay $22,332 in total finance charges. If the borrower obtains a Personal Loan with a term of 36 months and an amount financed of $48,925 (principal amount of $45,990 with an origination fee of $2,936 at 17.32% APR, the borrower’s monthly payment will be $1349 and the borrower will pay $18,763 in total finance charges over the term of the loan, a savings of $3,569 as compared to the average credit card finance charges over the same 36-month term for LendingClub Personal Loan borrowers with average credit scores.
A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $27,198 for a term of 36 months, with an interest rate of 14.49% and a 6% origination fee of $1,632, for an APR of 17.32%. In this example, the borrower will receive $25,566 and will make 36 monthly payments of $936. Loan amounts range from $1,000 to $60,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products.
For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.
Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.
LendingClub,” the “LC” symbol and “DebtIQ” are trademarks of LendingClub Bank.
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