Personal Loans

Get up to $60,000
at a competitive fixed rate

Check your rate in seconds. Apply in minutes.

Once approved for funding, we’ll send your money in as little as 24 hours. ¹

Up to 5% APR discount ²

Debt Paydown Loan

A debt consolidation loan up to $60,000 to pay off credit card debt or personal loan balances, with the option to get extra cash.

Cash Loan

A personal loan up to $60,000 to cover expenses like a major purchase, home improvements, life events, etc.

How to apply for a personal loan

How to apply for a personal loan

Check Your Rate

Why a LendingClub Personal Loan?

Competitive, fixed rates

Lock in a great rate and build momentum toward your next goal.

Fixed monthly payments

Feel secure knowing that your monthly payment will never increase.

No prepayment fees or penalties

You'll never be charged more for getting ahead.

Check Your Rate

Join more than 5 million members

"Fast and excellent customer service. Lending Club is very helpful and one of the best financial institutions in the US today. Highly recommended!" ³

—Kokie, a member from New York

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Nerdwallet Best Personal Debt Consolidation Loan 2026

10K Trustpilot

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595 Market Street, Suite 200

San Francisco, California 94105

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Between Jan 2025 to June 2025, 55% 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.
The APR discounted rate is a discount that some customers may receive for taking out a loan to pay down existing debt, which 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 are available to borrowers with excellent credit. Advertised discounted rates are subject to change without notice.
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.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,658 for a term of 36 months, with an interest rate of 13.24% and a 6.00% origination fee of $1,179 for an APR of 17.63%. In this example, the borrower will receive $18,479 and will make 36 monthly payments of $665. 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.

For Personal Loans, APR ranges from 6.53% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination 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 January 7, 2026 and are subject to change without notice.

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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, “TopUp,” and “DebtIQ” are trademarks of LendingClub Bank.

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