Borrow at a low, fixed rate.

Personal Loans from Lending Club

Personal loans for up to $35,000

  • Apply online in minutes
  • Get funded in a few days
  • Make fixed monthly payments

"Lending Club has made it possible for me to achieve my financial goal of consolidating all my credit card debt into a single, low monthly payment."

Adrian
Houston, TX

Safe and Secure

Safe and Secure

Borrowers reduce their rates by an average of 29%1!

Borrowers who used a personal loan* via Lending Club to consolidate debt or pay off high interest credit cards report in a survey that the interest rate on their loan was an average of 29% lower than they were paying on their outstanding debt or credit cards.

Fast and easy application

Apply online in just minutes, with no impact to your credit score. You can instantly review the loan offers that you qualify for, and you'll never need to visit a branch to complete your application.

Flexible financial tool

Use your personal loan to pay off high interest credit cards, finance home improvements, pay for a major purchase, or achieve other financial goals.

Fixed rates and payments with no hidden fees

All loans feature an affordable fixed rate, which means your monthly payment will never increase!

Prepay and save even more

You can prepay your loan at any time to eliminate future interest payments. There's never a prepayment penalty or fee.

Accredited Business Rating

A+ rating with the Better Business Bureau

Since 2007, hundreds of thousands of borrowers have obtained over $4 billion dollars in loans via Lending Club.

Single, convenient monthly payment

Loan payments are automatically scheduled each month. No more remembering to mail checks for each of your credit card bills.

A loan that can boost your credit score

By consolidating debt or paying off credit cards, you may improve your credit score. 78% of borrowers experience a FICO score increase three months after obtaining their loan, with an average score increase of 23 points2! And of course, checking your rate to view the loan offers you qualify for will not impact your credit score.

Check Your Rate

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* 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.

1 Based upon 3,818 survey responses provided by borrowers from January 1 - February 28, 2014. Average reported interest rate on outstanding debt or credit cards was 20.7% 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 and December 31, 2013 with a stated loan purpose of debt consolidation or pay off credit cards.

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

Dan

"My loan was 100% funded within 12 hours, and I had funds in my account within 4 days. It was ridiculously fast..."