LendingClub Personal Loan

LendingClub offers personal loans from $1,000 to $40,000 with APRs ranging from 6.53% to 35.99% and terms of 2 to 5 years.

Last checked on September 19, 2026. We may earn a commission when you click through.

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✓ Fast funding within 24 hours ✓ Flexible loan amounts from $1,000 to $40,000 ✓ Joint applications available for better rates
Personal LendingClub

LendingClub Personal Loan

Updated 19 days ago

At a Glance

Representative APR

6.53–35.99%

Loan Amount

$1,000–$40,000

Term

24–60 mo

Decision

—

No impact on your credit score Check eligibility →

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Eligibility Requirements

US citizen or permanent resident
Age 18+
Valid SSN
Bank account
Minimum credit score 600
Minimum annual income of $12,000
At least 3 years of credit history

About this loan

LendingClub offers personal loans from $1,000 to $40,000 with APRs ranging from 6.53% to 35.99% and terms of 2 to 5 years.

Our Verdict

LendingClub provides a flexible personal loan option with quick funding, but the high APR range may deter those with poorer credit. Be mindful of the potential for high rates if your credit score is on the lower end.

Best For

Individuals with fair credit seeking personal loans for debt consolidation or major purchases.

Watch Out

Borrowers with credit scores below 600 may face high APRs and could be denied approval.

What Customers Say

Users appreciate the quick funding but express concerns about high interest rates and inconsistent customer service.

Expert Analysis

At 6.53% to 35.99% APR, LendingClub's rates can vary widely based on creditworthiness. While this offers a chance for some to secure funds quickly, it can become costly over time if you fall into the higher range. The application process is allowing users to apply online and receive funds in as little as 24 hours.

This is beneficial for those needing quick access to cash for emergencies or immediate expenses. However, the minimum credit score of 600 can be a hurdle. Applicants often find themselves on the higher end of the APR spectrum, especially if their financial history isn't .

According to the provider's site, borrowers should be prepared for potential high-interest rates and ensure they have a solid repayment plan. Customer service reviews are mixed, suggesting that while some borrowers appreciate the ease of the online application, others have encountered difficulties with support after approval. Overall, it's the benefits against the potential costs.

Check eligibility →

You'll be redirected to lendingclub.com

Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.

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