Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

6 sites like LendingClub

Need a personal loan but not sure LendingClub is the right fit? Browse these other options to find a lender that suits you.

LendingClub is one of the best-known peer-to-peer (P2P) platforms out there. But it might not be the best option for an online loan. Its starting APR of 10.68% is twice as high as you can find with lenders that fund the loan themselves — and higher than other P2P platforms. And it’s run into trouble with regulators in the past. If you’re not sold, consider these sites like LendingClub instead.

6 top sites like LendingClub

Prosper personal loans

3.42 / 5

Go to site

on Prosper Funding LLC's secure site

Founded just after LendingClub, Prosper is a peer-to-peer platform that offers personal loans. Its interest rates and origination fees are slightly lower than what you'll find at LendingClub. But it could take a day longer to get your funds. It also doesn't offer loans under $2,000.

  • Not available in: Iowa, North Dakota, West Virginia
  • Lower starting APR than LendingClub
  • Accepts fair credit
  • Works with DTI as high as 50%
  • Turnaround as long as five business days
  • Higher starting origination fee than direct providers
Loan Amount$2,000 – $40,000
APR7.95% to 35.99%
Interest Rate TypeFixed
Min. Credit Score640
Turnaround TimeUp to five business days
Maximum Loan Term5 years
Minimum Loan Term3 years

Peerform personal loans

3.2 / 5

Go to site

on Peerform's secure site

Another P2P platform, Peerform offers loans to borrowers with fair credit at relatively low interest rates. Its origination fee is also low for a peer-to-peer platform at only 1% to 5%. But its range of loans is limited. You can only borrow between $4,000 and $25,000 through this site.

  • Not available in: Connecticut, Hawaii, Idaho, Iowa, Maine, North Dakota, Vermont, Washington, West Virginia, Wyoming
  • APRs from 5.99% to 29.99%
  • Minimum credit score of 600
  • Live chat on website
  • Limited range of loan amounts
  • Can take days to get your funds
Loan Amount$4,000 – $25,000
APR5.99% to 29.99%
Interest Rate TypeFixed
Min. Credit Score600
Maximum Loan Term5 years
Minimum Loan Term3 years

Upstart personal loans

4.15 / 5

Go to site

on Upstart Personal Loans's secure site

Upstart is a direct lender that got its start as peer-to-peer platform. Aside from offering lower interest rates than LendingClub, it also may be easier to qualify for if you've just started building your credit. This lender looks at your education and career in addition to your credit score. But its origination fees can be some of the highest out there.

  • Not available in: West Virginia
  • Lower starting APR than LendingClub
  • Accepts 580 or 600 credit scores
  • Get funds in one to three days
  • Origination fee as high as 8%
  • APR is still higher than average
Loan Amount$1,000 – $50,000
APR5.55% to 35.99%
Interest Rate TypeFixed
Min. Credit Score580 or 600 depending on state of residence
Turnaround Time1 to 3 business days
Maximum Loan Term5 years
Minimum Loan Term3 years

SoFi personal loans

4.3 / 5

Go to site

on SoFi's secure site

This direct lender also started as a P2P platform — and is now in the process of becoming a bank. It has absolutely no fees, not even late fees. And it offers a wide range of perks for borrowers, like free financial and career coaching. But skip this one if you struggled to meet LendingClub's requirements — it's even harder to qualify.

  • Not available in: Mississippi, Vermont
  • No fees
  • Member perks like career coaching
  • APRs from 4.99% to 19.63%
  • Requires 680 credit score or higher
  • No loans under $5,000
  • Can take 30 days to get your funds
Loan Amount$5,000 – $100,000
APR4.99% to 19.63%
Interest Rate TypeFixed
Min. Credit Score680
Turnaround TimeUp to 30 days
Maximum Loan Term7 years
Minimum Loan Term2 years

Upgrade personal loans

3.98 / 5

Go to site

on Upgrade's secure site

Upgrade is an online direct lender that prioritizes your cash flow over your credit score. It offers slightly higher loans than LendingClub with a slightly lower starting interest rate — 6.94%. But its origination fees are higher than even some P2P lenders charge. And it can take as long as five days to get your funds.

  • Not available in: Colorado, Iowa, Maryland, Vermont, West Virginia
  • Accepts 600 credit score
  • Loans up to $50,000
  • APR starts at 6.94%
  • Origination fee up to 8%
  • Up to five-day turnaround
  • Must have $1,000 left after monthly expenses
Loan Amount$1,000 – $50,000
APR5.94% to 35.97%
Interest Rate TypeFixed
Min. Credit Score600
Turnaround Time1 to 4 business days
Maximum Loan Term5 years
Minimum Loan Term3 years

Marcus by Goldman Sachs personal loans

3.8 / 5

Go to site

on Marcus by Goldman Sachs's secure site

Marcus is the online lending arm of Goldman Sachs Bank. While it specializes in debt consolidation, you can use the funds for any purpose. It has a low range of APRs compared to other online lenders and no fees. And after you've made on-time payments for a year, you can defer one without interest. But it can be hard to qualify if you're self-employed or have an open payday loan.

  • Available in all states
  • No fees
  • APR from 6.99% to 19.99%
  • On-time payment reward
  • Loans start at $3,500
  • Self-employed income and payday loans can disqualify you
Loan Amount$3,500 – $40,000
APR6.99% to 19.99%
Interest Rate TypeFixed
Min. Credit ScoreGood to excellent credit
Turnaround TimeAs few as 3 business day(s)
Maximum Loan Term6 years
Minimum Loan Term3 years

Compare more personal loans

Select your credit score range and state to see more lenders you might qualify with.

Name Product Filter Values APR Min. Credit Score Loan Amount
BHG personal loans
$20,000 – $200,000
A highly-rated lender with quick turnaround and reliable customer service.
Credible personal loans
2.49% to 35.99%
Fair to excellent credit
$600 – $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Best Egg personal loans
5.99% to 29.99%
$2,000 – $50,000
A prime online lending platform with multiple repayment methods.
PenFed Credit Union personal loans
5.99% to 17.99%
$600 – $50,000
With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses.
SoFi personal loans
4.99% to 19.63%
$5,000 – $100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.

Compare up to 4 providers

How does LendingClub compare?


  • No prepayment penalties
  • Fixed rates
  • Simple application


  • Higher rates for poor credit borrowers
  • Unavailable to Iowa and West Virginia residents

See how other top providers compare to different lenders by checking out our A-to-Z directory.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site