Borrow at a low, fixed rate.

Review from a real personal loan customer

Pay off credit cards with loans up to $35,000

"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 $35,000

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.

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. 76% of Lending Club customers experienced a FICO score increase three months after getting their personal loan; the average score increase was 21 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, a Utah-chartered Industrial Bank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history.

1Based on responses from 9,874 borrowers in a survey of 46,885 randomly selected borrowers conducted from October 1, 2014 – October 1, 2015, 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 22.1% and average interest rate on loans via Lending Club is 14.7%.

2 Average credit score change of all borrowers who took out a loan via Lending Club between January 1, 2013 and June 30, 2015 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 $13 billion dollars in loans via the Lending Club platform.

Need Help?

Get Online Help
Contact us

Call Toll Free: (888) 596-3157

6:00am – 5:00pm PT, Mon–Sat

Email us anytime

Financial Innovation

Companies like Lending Club are cutting out the middle man − banks − to offer consumers the opportunity to lend money directly to others and obtain a higher return.

Market Watch

Featured Borrower


"Not only was my interest rate much lower, the process was so easy– all online with no need to physically go to the bank to fill out even more paperwork."