Borrow at a low, fixed rate.

Review from a real personal loan customer

Pay off credit cards with loans up to $40,000

"Paying off my credit cards was a great feeling and now I'm on my way to being debt free!"

Pay off credit cards with loans up to $40,000

Want to pay off your credit card debt and reduce your monthly payments? With an unsecured personal loan via Lending Club you can pay off your high interest credit card debt and consolidate it into a single monthly payment with a fixed, low rate.

Better Rates: Lower your rate by an average of 33%1

Borrowers who used a personal loan* via Lending Club to pay off high interest credit cards or consolidate debt report in a survey that the interest rate on their loan was an average of 33% lower than they were paying on their outstanding debt or credit cards.

Circle the date your credit cards will be paid off

With fixed, low interest rates and monthly payments, the amount you pay will never increase, giving you a clear path to being debt free.
Estimate your monthly payment with our personal loan calculator.

The most convenient personal loan around

Get an instant rate quote and see the offers you qualify for, with no need to ever visit a branch. Loans are deposited directly into your bank account in as quickly as seven days.

Flexibility to save even more

You have the flexibility to pay off your loan whenever you want and get rid of future interest payments. No prepayment penalty.

Improve your credit score

Consolidating your debt and paying off your credit cards can improve your credit score. 75% of Lending Club customers experienced a FICO score increase three months after getting their personal loan; the average score increase was 20 points.2

Easy online loan application

Check your rate using our easy online loan application. It only takes a few minutes and there is no impact to your credit score.

Lending Club Reviews from real customers

See what real customers say about Lending Club vs. other lenders.

* All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history.

1 Based on responses from 6,169 borrowers in a survey of 29,309 randomly selected borrowers conducted from April 1st, 2016 – June 30th, 2016. Borrowers who received a loan to consolidate existing debt or pay off their credit card balance reported that the interest rate on outstanding debt or credit cards was 20.7% and average interest rate on loans via Lending Club is 13.8%. Loans via Lending Club feature rates from 5.99% to 35.89% APR and origination fees from 1% to 6%. Average origination fee is 5.13% as of Q2 2016. Best APR is available to borrowers with excellent credit.

2 Average credit score change of all borrowers who took out a loan via Lending Club between January 1, 2013 and March 31, 2016 with a stated loan purpose of debt consolidation or pay off credit cards.

Lending Club Better Business Bureau A+ Rating

A+ rating with the Better Business Bureau

Hundreds of thousands of borrowers have received over $20 billion dollars in loans via the Lending Club platform.

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