LendingClub Personal Loan
Peer-to-peer lending platform offering personal loans from $1,000 to $40,000. Joint applications available for better rates.
Last checked on May 16, 2026. We may earn a commission when you click through.
LendingClub offers personal loans between $1,000 and $40,000 with APRs ranging from 6.53% to 35.99%. This platform could be beneficial for those with fair credit.
LendingClub Personal Loan
Updated 19 hours ago| APR | Amount | Term |
|---|---|---|
| 6.53–35.99% | $1,000–$40,000 | 24–84 mo |
Requirements
—Decision
—Our Verdict
LendingClub offers personal loans between $1,000 and $40,000 with APRs ranging from 6.53% to 35.99%. This platform could be beneficial for those with fair credit.
Best For
Best for borrowers looking to consolidate debt or finance major purchases with flexible repayment terms of 2 to 5 years.
Watch Out
Be cautious of the high maximum APR of 35.99%, which can make borrowing costly for some applicants.
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About this loan
Peer-to-peer lending platform offering personal loans from $1,000 to $40,000. Joint applications available for better rates.
Expert Analysis
At 6.53% APR, LendingClub provides a feasible option for those looking to borrow funds quickly, with money potentially available within 24 hours. The platform allows joint applications, which might help secure better rates for some users.
Our team found that while the minimum loan amount is $1,000, borrowers can access up to $40,000. However, those with credit scores below 600 may struggle to qualify for favorable rates.
Unlike traditional banks, LendingClub operates as a peer-to-peer lending platform, which can sometimes lead to less personalized customer service. It's essential to compare offers, as some users may find lower rates with other lenders like SoFi or Marcus by Goldman Sachs.
While the approval process is generally fast, hidden fees and the potential for a high APR can affect the overall cost of the loan. Be sure to read the fine print before committing. For detailed terms, visit LendingClub's official site at 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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- 6.09–17.99%
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- $50–$17.5k
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