Our verdict
LendingClub is an award-winning lender that accepts credit scores as low as 600, but its rates are higher than some competitors — starting at 8.05% APR. Loan amounts start at $1,000, which is lower than some competitors. You can prequalify with a soft credit pull, and joint loans are also an option. Approval times are speedy, as fast as 24 hours and a quick two-day funding time. However, it's had a rocky history with regulators, such as a dispute with the FTC in 2018 regarding hidden fees, and you'll find many complaints with the BBB.Best for: Fair-credit borrowers in need of a small loan.
- Speedy approval and funding times
- Low 600 minimum credit score
- Available in 49 states and DC
- More than 1,000 BBB complaints
- Origination fee of 3% to 6%
- Higher rates than some competitors
I have a personal loan with Lending Club, would like to borrow an additional loan and add my income.
Hello Lori,
Thank you for your comment.
If you want to refinance your current loan with LendingClub, you may need to reach them directly so they can let you know if you’re eligible to refinance. They’ll also update your income details.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
Hi, there! As I’m a nonresident student, by the way, I’m living outside of US, after all I don’t work right now, for I don’t find job. can I find loans or grants to come study abroad and pay after? I’m looking forward to hearing you,soon. thanks!
Hi Elvariste,
Thanks for getting in touch with finder.
The first thing you need to do is find the school you want to enroll in. After that, you can then ask the school whether they know any student loan or financial institution that can help with your situation.
Moreover, it is worth noting that if you are going to apply for a student loan and you are a non-US resident, generally, a co-signer is required for most international student loan programs.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
You asked for a birthday, is there an age limit in applying for a personal loan?
Hi Mildred,
Thank you for your inquiry.
Generally, for LendingClub personal loan they require that the applicant must be at least 18 years old. Should you need to know more about the requirements and eligibility criteria for this loan. You may need to review the details provided above.
I hope this information has helped.
Cheers,
Harold
How do I apply with my husband
Hi Delene,
Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.
To apply for a personal loan with Lending Club, you’ll need to meet general eligibility requirements.
– You must be a US citizen, a permanent resident or in the US on a valid long-term visa.
– You must be at least 18 years old.
– You must have a valid bank account.
You’ll need to gather the following information before applying:
– Your name, contact information and date of birth.
– How much you want to borrow and the purpose of the loan.
– Your credit score range.
– Your annual individual income.
If you are offered a loan, you can watch as investors offer you loans with varying APRs and repayment terms. Once approved, you’ll typically receive the funds directly into your account within seven days. You may proceed by clicking the green “Go to Site” button for more details.
I hope this helps.
Cheers,
Danielle
Hello Sir,
My name is Muhammad Bin Naseer i am from Pakistan age 25 and i want urgent loan of 10000$ for expanding my running business i will return you in easy installments of 10 year
Hi Muhammad,
Thanks for contacting finder, a comparison website and general information service.
Please note that the loan options that we currently feature on our pages are only applicable within US and the lenders that we feature on our pages could only cater to loan applicants who are either residents or citizens of the US or US visa holders who are currently residing in the US.
Kindly get in touch with your local banks or lenders for possible loan options that you may apply for in your region.
I hope this helps.
Regards,
Judith