LendingClub vs LendingTree: Which Personal Loan Option Is Better?

Last updated 08/04/2025 by

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Summary:

Trying to choose between LendingClub and LendingTree for a personal loan? Both offer loans up to $50,000, but they operate differently. LendingClub is a direct lender, while LendingTree is a loan marketplace that connects you with multiple lenders. LendingClub may offer more predictable terms, while LendingTree provides more options — but also more variability in fees and rates.

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Side-by-Side Comparison: LendingClub vs. LendingTree

Feature	LendingClub	LendingTree
Loan Amounts	$1,000 - $60,000	$1,000 - $50,000
APR Range	6.53% - 35.99%	6.99% - 35%
Loan Terms	24 months - 72 months	12 months - 60 months
Funding Time	As soon as a few business days	Varies by matched lender
Minimum Credit Score	600 - 850	560 - 850
Origination Fees	0% - 8%	N/A
Late Payment Fee	$15	N/A
Prepayment Fee	No	No
SuperMoney User Score	mostly recommended	strongly not recommended

About LendingClub

LendingClub is a direct online lender that offers unsecured personal loans to borrowers with good to average credit. Loan amounts range from $1,000 - $60,000, with APRs starting at 6.53% - 35.99%.

You can choose repayment terms between 24 months - 72 months, and funds are typically delivered within a few business days. LendingClub does charge an origination fee of 0% - 8%, and late payments may incur a fee of $15.

User Rating:
mostly recommended

About LendingTree

LendingTree is an online loan marketplace that connects borrowers with a network of lenders rather than issuing loans directly. When you apply, you may receive multiple offers from LendingTree’s partners based on your credit profile and loan preferences.

Loan amounts typically range from $1,000 - $50,000, with APRs starting at 6.99% - 35%. Terms vary by lender, but most fall between 12 months - 60 months.

Because LendingTree is a loan aggregator, origination fees and late payment policies vary. Some partners charge fees such as N/A and N/A, while others may not.

User Rating:
strongly not recommended

Key Differences Between LendingClub and LendingTree

While both LendingClub and LendingTree offer personal loan solutions, they differ significantly in how they operate and serve borrowers. Here’s a breakdown of the key distinctions to help you decide which is the better fit:

Loan Structure: LendingClub is a direct lender, while LendingTree is a loan marketplace that matches you with multiple lending partners.
Loan Amounts: LendingClub offers loans from $1,000 - $60,000, whereas LendingTree matches borrowers with loans in the range of $1,000 - $50,000.
APR Range: LendingTree has a slightly lower starting APR (6.99% - 35%), while LendingClub starts at 6.53% - 35.99% and offers more predictable terms as a direct lender.
Loan Terms: LendingClub offers terms from 24 months - 72 months, while LendingTree partners may offer terms between 12 months - 60 months.
Fees: LendingClub charges origination fees of 0% - 8% and late fees of $15. LendingTree’s fees depend on the lender you’re matched with (N/A, N/A).
Funding Speed: LendingClub typically funds loans in a few business days. LendingTree’s funding time depends on the lender you choose.
User Ratings: LendingClub is mostly recommended based on 31 reviews, while LendingTree is strongly not recommended with 47 reviews on SuperMoney.

In short, LendingClub offers a more streamlined and consistent experience, while LendingTree gives you access to multiple loan offers — but with more variability. Your choice depends on whether you prefer direct simplicity or broad comparison shopping.

Which Lender Is Best for You?

Not sure whether to go with LendingClub or LendingTree? Here’s a quick guide based on your financial goals and borrowing preferences:

Choose LendingClub if:
- You prefer working with a direct lender offering transparent terms and predictable funding.
- You want a fixed-rate personal loan with terms from 24 months - 72 months.
- You’re looking for a loan up to $1,000 - $60,000 with a starting APR of 6.53% - 35.99%.
- You want to avoid managing multiple lender offers and prefer a simple application process.
Choose LendingTree if:
- You want to compare offers from multiple lenders with one application.
- You’re seeking a lower starting APR — LendingTree begins at 6.99% - 35%.
- You’re open to varying loan terms and fees depending on which partner you choose (up to $1,000 - $50,000).
- You’re comfortable with more outreach and marketing follow-up in exchange for broader options.

What’s Next?

Still unsure which lender is right for you? Start by exploring our full reviews of LendingClub and LendingTree to get more insight into their loan terms, borrower experience, and user feedback:

LendingClub

Read the full LendingClub review – mostly recommended

LendingTree

Read the full LendingTree review – strongly not recommended

Looking to compare more lenders side by side? Check out these helpful matchups:

LendingClub vs SoFi
Compare LendingClub’s direct loan experience to SoFi’s no-fee, high-limit personal loans.
SoFi vs Upgrade
See how two top online lenders stack up in terms of perks, speed, and credit requirements.
LendingTree vs Upstart
Find out whether LendingTree’s marketplace model or Upstart’s AI-driven lending is better for your credit profile.

Or explore our full list of providers on the Personal Loan Reviews page.

Key Takeaways

LendingClub is a direct lender offering fixed-rate loans up to $1,000 - $60,000 with transparent terms and a user rating of mostly recommended.
LendingTree is a marketplace that lets you compare offers from multiple lenders with one application — APRs start at 6.99% - 35%.
LendingClub provides more consistency and predictable fees, while LendingTree offers broader access but more variability depending on the matched lender.
LendingTree has a lower starting APR and shorter minimum loan terms, but LendingClub may offer a more streamlined borrowing experience.

FAQ about LendingClub and LendingTree

Is LendingClub or LendingTree better for getting a personal loan?

LendingClub is better if you want a direct, consistent lending experience with predictable fees and terms. LendingTree is ideal if you want to compare multiple offers and shop for the best available rate.

Does LendingTree charge fees for personal loans?

LendingTree itself doesn’t charge fees, but the lenders you’re matched with may. Origination and late fees vary by lender — be sure to review each offer carefully.

How fast can I get funded with LendingClub or LendingTree?

LendingClub typically funds loans within a few business days. With LendingTree, funding speed depends on the lender you choose — some may offer same-day or next-day funding, while others may take longer.

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