LendingClub Auto Loan Refinance

in Auto Loan Refinancing from LendingClub Inc

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LendingClub Auto Loan Refinance


in Auto Loan Refinancing from LendingClub Inc

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Community Rating Strongly recommended
APR  (Fixed APR) 3.99% - 24.99%
Credit Score Range 510 - 850
Loan Term 24 - 84 months
Loan Amount $5,000 - $55,000

LendingClub Auto Loan Refinance Review

LendingClub Auto Loan Refinance is an auto loan refinance offering by LendingClub Inc, a marketplace lender based in San Francisco, CA. Founded in 2007, LendingClub Inc offers auto refinance loans in 30 states across the USA.

How much can you borrow via LendingClub Auto Loan Refinance?

Auto refinance loan amounts start at $5,000 and go up to $55,000.

What are the auto loan refinancing rates offered through LendingClub Auto Loan Refinance?

LendingClub Auto Loan Refinance offers a fixed APR auto loan refinancing product that ranges from 3.99% APR up to 24.99% APR.

What is the maximum loan term you can get with LendingClub Auto Loan Refinance?

LendingClub Auto Loan Refinance offers auto refinancing with terms ranging from 24 to 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.

Does LendingClub Auto Loan Refinance charge an origination fee on auto refinance loans?

No, LendingClub Auto Loan Refinance does not charge a loan origination fee for refinancing an auto loan.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount.

Does LendingClub Auto Loan Refinance charge a late fee?

Yes, auto refinance loans via LendingClub Auto Loan Refinance are subject to late payment penalty fees of up to $15.

Does LendingClub Auto Loan Refinance charge prepayment fees?

No, there is no prepayment penalty.

What do you need to qualify for LendingClub Auto Loan Refinance?

Applicants with a credit score of at least 510 and up to 850 are eligible for LendingClub Auto Loan Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

LendingClub Auto Loan Refinance does not have or does not disclose a minimum annual income eligibility requirement. LendingClub Auto Loan Refinance will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via LendingClub Auto Loan Refinance. Their rates fall within the limits of The Military Lending Act.

Only U.S. citizens and permanent residents can apply for a loan.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid checking account
  • Proof of insurance
  • Driver's license
  • Proof of citizenship or residence permit
  • Proof of residence
  • References

What is the maximum mileage to refinance with LendingClub Inc?

LendingClub Inc is an option for high-mileage vehicles. They will consider auto loan applications for vehicles with up to 120000 miles on the odometer.

What is the maximum car age to refinance with LendingClub Inc?

Only vehicles that are 10 years old or less can qualify for an auto refinance.

What is the estimated funding time for an auto loan refinance with LendingClub Auto Loan Refinance?

Auto refinance loan applications are typically funded within 1 to 14 days of approval.

Does LendingClub Auto Loan Refinance report your account activity to credit bureaus?

LendingClub Auto Loan Refinance reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

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  • Headquarters
  •   595 Market St
    Suite 200
    San Francisco, CA 94105 USA
  •   Visit Site

Message from LendingClub Inc

Since 2007, we've been bringing borrowers and investors together, transforming the way people access credit. Over the last 10 years, we've helped millions of people take control of their debt, grow their small businesses, and invest for the future. LendingClub is America's #1 credit marketplace, transforming banking to make it more efficient, transparent and customer friendly. Since 2007, Americans have borrowed over $31 billion dollars. Plus, LendingClub has tens of thousands of 5 star reviews and an A+ rating from the Better Business Bureau. Through LendingClub, you can qualify for multiple auto refinance offers. Lower your monthly payments, save on the total interest you pay or both! Fast and easy application process with no prepayment penalties. Plus checking your rate has no impact on your credit score.

Other Services by LendingClub Inc


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  Available in 30 states
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Florida
  • Georgia
  • Idaho
  • Indiana
  • Kansas
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • Montana
  • Nebraska
  • New Hampshire
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Origination Fee 0%
Late Fee Amount $15
Minimum Age 18
Credit Score Range 510 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Bank Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Maximum Vehicle Age 10
Maximum Mileage 120,000
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Co-borrower
  • Individual Applications
Verification Documents Required
  • Proof of Insurance
  • Proof of Residence
  • References
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $5K - $55K
Loan Term 24 - 84 months
APR (Fixed APR) 3.99% - 24.99%

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