Borrow at a low, fixed rate.

Personal loans for up to $40,000

  • Apply online in minutes
  • Get funded in as little as 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

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Safe and Secure

Borrowers reduce their rates by an average of 32%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 32% 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 $18 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. 75% of borrowers experience a FICO score increase three months after obtaining their loan, with an average score increase of 20 points2! And of course, checking your rate to view the loan offers you qualify for will not impact your credit score.

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* The APR ranges from 5.99% to 35.89%. For example, with a credit grade of A1 you could receive a loan of $10,000 with an interest rate of 5.32% and a 1.00% origination fee of $100 for an APR of 5.99%. In this example, you will receive $9,900 and will make 36 monthly payments of $301. The total amount repayable will be $10,841.40. Your APR will be determined based on your credit at time of application. Average APR on 36 month loans for similar solicitation from 10/01/2015-10/31/2015 was 14.3%. The origination fee ranges from 1% to 6% and the average origination fee is 5.28% based on origination volumes from 1/1/2016 to 2/29/16. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans made by WebBank, Member FDIC.
All loans via Lending Club have a minimum repayment term of 36 months or longer.

1 Based on responses from 1,288 borrowers in a survey of 18,109 randomly selected borrowers conducted from January 1, 2016 – April 1st, 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 20.60% and average interest rate on loans via Lending Club is 14.00%. Loans via Lending Club feature rates from 5.99% to 35.89% APR and origination fees from 1% to 6%. Average origination fee is 5.28% as of Q1 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 December 31, 2015 with a stated loan purpose of debt consolidation or pay off credit cards.