Last Updated: 03/17/2026
SuperMoney User Recommendation Score +29
Cast Your Vote
Get Competing Personal Loan Offers
Compare personal loan offers from LendingClub Personal Loans and their competitors.
Discover your lowest eligible rate in minutes.
See how much you qualify for and what your monthly payment will be.
It's quick, easy, and won't hurt your credit score.
Highlights
Community Rating
APR (Fixed APR)
Amount Range
Loan Term (Months)
Number of Reviews
LendingClub Personal Loans Review
Key Takeaways
- APRs starting at 6.53%. Personal loan interest rates typically range between 9% and 36%. The starting rates for LendingClub Personal Loans are on the lower end of the spectrum.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- Large loan amounts. You can apply for loan amounts of up to $60,000 with LendingClub Personal Loans .
- Prequalified rate. You can check your prequalified rate at LendingClub Inc with a soft pull that will not affect your FICO or VantageScore.
- Origination fees of 0% to 8%. This is on the high end for lenders on SuperMoney's database. Don't forget that these fees are deducted from the loan amount, so take them into account when deciding how much money to borrow.
- Super long loan terms. LendingClub Personal Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Lending Club loans Pros & Cons
| Pros | Cons |
|
|
Lending Club loans FAQ
What interest rates and personal loan terms does Lending Club loans offer?
What interest rates does Lending Club loans offer?
How much can you borrow via Lending Club loans?
What is the maximum loan term you can get with Lending Club loans?
| Personal Loan Amount | $1000 - $60000 |
| Loan Term | 24 - 72 months |
| APR | 6.53% - 35.99% |
What fees does Lending Club loans charge?
Does Lending Club loans charge an origination fee?
Does Lending Club loans charge a late fee?
Does Lending Club loans charge prepayment fees?
| Origination Fee | 0% - 8% |
| Prepayment Fee | No |
| Late Payment Fee | $15 |
What do you need to qualify for LendingClub Personal Loans?
Applicants with a credit score of at least 600 and up to 850 may be eligible for LendingClub Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Applicants must have an active and valid personal checking account
- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Credit Score | 600 - 850 |
What is the estimated funding time for a personal loan via Lending Club loans?
Does LendingClub Personal Loans report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does LendingClub Inc perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.Are LendingClub Personal Loans legit?
LendingClub Personal Loans Disclosure: A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,658 for a term of 36 months, with an interest rate of 13.24% and a 6.00% origination fee of $1,179 for an APR of 17.63%. In this example, the borrower will receive $18,479 and will make 36 monthly payments of $665. 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 6.53% 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. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of January 7, 2026 and are subject to change without notice. Loans are made by LendingClub Bank, N.A., Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of this platform, which is an unrelated third party (“third party”). LendingClub Bank is not responsible for any products and services provided by this third party and may receive compensation if you visit the third party’s websites or use any of its products or services. Credit eligibility is not guaranteed. Loans are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that your request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures. “LendingClub” and the “LC” symbol are trademarks of LendingClub Bank.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Lending Club loans
Message from our editor
What We Love About LendingClub Loans
LendingClub’s Backstory
The Verdict
Contact
Headquarters