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.
LendingClub
PersonalLendingClub 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.
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.
Borrowers with fair credit looking for quick personal loans for debt consolidation or unexpected expenses.
Borrowers with credit scores below 600 may face high APRs and could be denied approval.
Users appreciate the quick funding but express concerns about high interest rates and inconsistent customer service.
Personal
Estimated APR
8.95–35.99%
Loan amount
$5k–$40k
Term
24–60 mo
Best for: This loan is best for individuals seeking to lower their interest rates and improve their financial health through debt consolidation.
Personal
Estimated APR
7.49–22.44%
Loan amount
$5k–$50k
Term
36–84 mo
Best for: These loans are best for existing Citizens customers looking for reduced rates and individuals seeking amounts between $5,000 and $50,000 without origination fees.
Personal
Estimated APR
6.09–17.99%
Loan amount
$600–$50k
Term
12–60 mo
Best for: These loans are best for individuals looking for amounts between $600 and $50,000 without any origination fees and a straightforward application process.
Personal
Estimated APR
8.95–35.99%
Loan amount
$5k–$40k
Term
24–60 mo
Best for: This loan is best for individuals with a credit score of 640 or higher who are seeking to simplify their payments and save on interest.
Personal
Estimated APR
7.74–35.99%
Loan amount
$1k–$50k
Term
24–84 mo
Best for: This service is ideal for those looking to consolidate debt or finance larger purchases without prepayment penalties.
Personal
Estimated APR
6.99–35.99%
Loan amount
$2k–$50k
Term
36–60 mo
Best for: Individuals with a credit score of at least 600 seeking personal loans for debt consolidation or home improvement.