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
Finance your special day
Weddings can be expensive. Minimize the financial stress with a personal loan.
Plan a dream vacation
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
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
Apply Online in Minutes
Tell us about yourself and how much debt you want to consolidate.
Select a Loan Offer
Select a Loan Offer
Review your monthly payment and interest rate options. Then choose the consolidation loan option you like best.
Get Your Money
Get Your Money
Your loan is automatically deposited into your bank account.

What Our Members Say

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. 1

Mother of the bride from Talking Rock, received a loan to help pay for her daughter’s wedding

Read More Reviews
Get your rate in minutes
Competitive, fixed rates
Borrow up to 40,000
How can we help?

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

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.

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.

  1. This is one person's experience. Individual results may vary. Based on reviews collected and authenticated by Bazaarvoice. All such reviews can be accessed at

Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, term length, and making payments as agreed. 

Reducing debt and maintaining low credit balances may contribute to an improvement in credit score, but results are not guaranteed. Individual results vary based on multiple factors, including but not limited to payment history and credit utilization.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,584 for a term of 36 months, with an interest rate of 10.29% and a 6.00% origination fee of $1,190 for an APR of 14.60%. In this example, the borrower will receive $18,663 and will make 36 monthly payments of $643. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 60 months. Some amounts, rates, and term lengths may be unavailable in certain states.

For Personal Loans, APR ranges from 9.57% to 35.99% and origination fee ranges from 3.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of July 11, 2024 and are subject to change without notice.

Checking a rate through us generates a soft credit inquiry on a person’s credit report, which is visible only to that person. A hard credit inquiry, which is visible to that person and others, and 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. 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. 

Any reviews presented are individual experiences and results may vary. Reviews collected and authenticated by Bazaarvoice. All reviews can be accessed at

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" and the "LC" symbol are trademarks of LendingClub Bank.

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