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Your finances matter to you, and that matters to us

Keep more of what you earn and earn more on what you save.1

What are you looking for?
Check your rate. It won’t impact your credit score.2
Up to 5% APR discount3
Debt Paydown Loan
Debt Paydown Loan
A debt consolidation loan up to $40,000 to pay off credit card debt or personal loan balances, with the option to get extra cash.
Cash Loan
Cash Loan
A personal loan up to $40,000 to cover expenses like a major purchase, home improvements, life events, etc.
Medical Loans
Medical Loans
Up to $65,000 through LendingClub Patient Solutions to cover dental, fertility, and other treatments from our network of providers.
Auto Loan Refinance
Auto Loan Refinance
Flexible terms and competitive rates could help you pay less than you are right now.

We’re rewriting the rules of traditional banking, and we only win when our customers succeed. We’ve helped over 5 million members reach their goals, and we’re just getting started!

family

Up to $40,000 in just a few clicks

With the ability to choose a loan amount of up to $40,000, LendingClub offers fixed rates and a monthly repayment plan to fit within your budget. We understand the importance of getting the money you need, so we work to have funds disbursed to you quickly upon loan approval.

Man and Children

Refinance and drive away with savings

Put more money back in your pocket by refinancing your car loan with LendingClub. There are no origination fees or prepayment penalties with LendingClub auto loan refinancing, and checking your rate will not impact your credit score.

woman-working

Simple, everyday banking built around you

LendingClub offers a full suite of award-winning checking and saving products with benefits designed to meet your financial goals. Whether it's our cash-back Rewards Checking account or our High-Yield Savings and CD accounts with competitive rates, we have the right products to help you make the most of your money.

How a Personal Loan with LendingClub Works

  • Image of phone viewing lendingclub.com personal loans web page
  • Image of phone viewing the personal loan amount options during application
  • Phone with notification from LendingClub about personal loan

How a Personal Loan with LendingClub Works

Check Your Rate
  1. Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, term length, and making payments as agreed.

  2. Checking a rate through us generates a soft credit inquiry on a person’s credit report, which is visible only to that person. A hard credit inquiry, which is visible to that person and others, and which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history. 

  3. The APR discounted rate is a discount that some customers may receive for taking out a loan to pay down existing debt, which is discounted from the rate given for taking a full cash loan. Not all applicants will qualify for the discount. Any actual discount rate will be determined at the time of application. The best APR discounts are available to borrowers with excellent credit. Advertised discounted rates are subject to change without notice. 

  4. Any reviews presented are individual experiences and results may vary. Reviews are collected and authenticated by Bazaarvoice. Any average rating presented is based on these reviews. All reviews can be accessed at https://www.lendingclub.com/company/reviews.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,389 for a term of 36 months, with an interest rate of 11.75% and a 6.00% origination fee of $1,163 for an APR of 16.10%. In this example, the borrower will receive $18,226 and will make 36 monthly payments of $642. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 72 months. Some amounts, rates, and term lengths may be unavailable in certain states.

For Personal Loans, APR ranges from 7.90% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of Jan 9, 2025 and are subject to change without notice.

© 2017-2025 and TM, NerdWallet, Inc. All Rights Reserved.

Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

LendingClub,” the “LC” symbol, “TopUp,” and “DebtIQ” are trademarks of LendingClub Bank.

© 2025 LendingClub Bank. All rights reserved.