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LendingClub Personal Loans


LendingClub is a unique organization that helps individuals get access to up to $40,000 personal loans. They have provided more than $50 billion in loans to over three million customers. Check your rate with no impact to your credit score.

LendingClub is a unique organization that helps individuals get access to personal loans. Checking a rate will not affect your credit score.

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What Makes LendingClub Great?

LendingClub has a proven track record of excellent customer service. They have provided more than $50 billion in loans to over three million customers. There are a number of different loan options available to customers through LendingClub. Personal loans, business loans, and even medical loans are all part of the LendingClub platform. Among their personal loan options, the following are some of the types of loans they fund:

  • Credit card consolidation
  • Debt consolidation
  • Balance transfer
  • Home improvement loans

LendingClub does more than just look at your credit score. You can apply in minutes, and part of that application is telling them what kind of debt consolidation needs you have. From there, you’ll get a number of loan options that include different interest rates and monthly payment options. They put you in the driver’s seat giving you the choice of which option to take. Once you’ve selected the right loan for you, your loan will be deposited directly into your bank account. With affordable repayment options for people of various credit profiles, they have a unique approach to providing personal loans for a number of debt consolidation needs.

Do I Qualify?

The first step to finding out what funding amounts and options are available to you through LendingClub is to check your rate. Checking your rate and looking at the loan options available to you will not hurt your credit. Many people are concerned that looking at loan options will impact their credit score. Doing this through LendingClub will never hurt your credit, so it never hurts to take the first step and take a look at your rate. After finding what options exist for your needs, you have the choice to accept the loan or not. When you accept a loan with them, be aware that it will take up to four business days for you to receive the funds.

How Do I Work With LendingClub?

The first step is to check your rate in order to see what options are available for your funding needs. From there, it is as simple as accepting the right terms. LendingClub investors are normal people looking to diversify their investments by funding consumer loans. They offer fixed-rate loans with interest rates based upon your credit at the time of your application. LendingClub also has a Resource Center that addresses a number of questions and financial concerns that people have. When you are approved and receive your funds, they make it extremely easy to keep track of your loan.

Bottom Line

LendingClub is a unique funding avenue. Customers come to them because of their track record of amazing customer service, and years of successful loans made to satisfied customers. With fixed monthly payments directly drafted from your bank account, a personal loan through them is extremely easy and affordable. While the majority of their personal loans are for debt consolidation, they do offer auto refinancing, medical loans, home improvement loans and more. Checking your rate will not hurt your credit at all, so it never hurts to see what options are available for funding your needs. Personal loans of up to $40,000 can be in your account in four days or less. Even if you aren’t ready to look into a personal loan, the LendingClub Resource Center has lots of information for people that need help learning more about how to take control of their finances.

OK, Let’s Get Started

When you are looking to refinance or consolidate debt, LendingClub looks closely at who you are and what needs you have. You are more than just your credit score, and you will be able to see a variety of funding options just by filling out your application. You’ll never have to worry about hurting your credit by checking your rate, so identify your needs and see what LendingClub can do for you. Just go to the LendingClub website and take the next step and apply for the loan. You’ll see your options almost immediately and will be able to take your financial future into your own hands with the help of LendingClub investors.

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