Trusted Loans, Clear Terms

At Lending Club Loans Org, we provide fast, flexible loans tailored to your needs with friendly support every step.

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. Standard data and message rates may apply to Mobile Banking services.

5. Between Apr 2025 to June 2025, 55% of LendingClub Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.

6. Reviews are collected and authenticated by Bazaarvoice. Reviews reflect one person’s experience. Individual results may vary.

   We're committed to showing authentic, accurate, complete reviews from real customers. We work with Bazaarvoice, an independent company that collects and safeguards customer reviews. This third-party service ensures that reviews represent real customers’ genuine, unbiased opinions about their experiences with LendingClub Bank. Learn more here: https://www.bazaarvoice.com/legal/trustmark/

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A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,234 for a term of 36 months, with an interest rate of 13.24% and a 6.00% origination fee of $1,154 for an APR of 17.63%. In this example, the borrower will receive $18,080 and will make 36 monthly payments of $650. Loan amounts range from $1,000 to $60,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states.

For Personal Loans, APR ranges from 7.04% 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 July 11, 2025 and are subject to change without notice.

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Unless otherwise specified, all credit and deposit products are provided by LendingClub, 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.