Finance big expenses at lower rates.
How much do you need?
Why use a personal loan for a major expense?
Finance your special day
Plan a dream vacation
Cover an unexpected expense
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 Online in Minutes
Select a Loan Offer
Get Your Money
You can use a personal loan for just about any major expense:
Weddings and other special events
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
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.