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GET /apply/personal/identity/loan-type

<form action="/apply/personal/identity/loan-type" autocomplete="off" class="PrequalHorizontal__form" method="GET">
  <div class="LoanAmountInput LoanAmountInput--default">
    <div class="LoanAmountInput__currency-symbol">$</div><input class="LoanAmountInput__input" name="loanAmount" placeholder="How much do you need?" aria-label="How much do you need?" value="">
  </div>
  <div class="DropdownInput DropdownInput--default"><select class="DropdownInput__select" name="loanPurpose" aria-label="Loan purpose">
      <option disabled="" value="">What's the money for?</option>
      <option value="credit_card">Refinance my credit cards</option>
      <option value="debt_consolidation">Consolidate my debt</option>
      <option value="home_improvement">Improve my home</option>
      <option value="car">Refinance my car</option>
      <option value="house">Purchase a home</option>
      <option value="major_purchase">Buy something special</option>
      <option value="renewable_energy">Fund a green loan</option>
      <option value="small_business">Finance my business</option>
      <option value="vacation">Pay for a vacation</option>
      <option value="moving">Pay to move or relocate</option>
      <option value="medical">Cover medical expenses</option>
      <option value="other">It's not listed here</option>
    </select></div><button type="submit" class="PrequalHorizontal__cta">Check Your Rate</button>
</form>

Text Content

Borrow
Personal Loans
Borrow up to $40,000 and get a low, fixed rate.
Business Loans
Get $5,000–$500,000 for your business at a low, fixed rate.
Auto Refinancing
Save money on your existing auto loan.
Patient Solutions
Work with your doctor or dentist to finance your care.
Invest
Individuals
Learn more about options for individual investors.
Institutions
See the options for banks, institutions, and financial advisors.
 * About us
 * Help
 * Sign in

Interested in a Savings or Checking Account? Learn More


PERSONAL LOANS UP TO $40,000

Check your rate. It won’t impact your credit score.
$
What's the money for?Refinance my credit cardsConsolidate my debtImprove my
homeRefinance my carPurchase a homeBuy something specialFund a green loanFinance
my businessPay for a vacationPay to move or relocateCover medical expensesIt's
not listed here
Check Your Rate
Respond to Mail Offer


DO MORE WITH A PERSONAL LOAN

Pay down high-interest debt, consolidate credit card balances—and save more than
$1,000.* With single monthly payments, lower fixed interest rates, and no
prepayment penalties, a personal loan from LendingClub Bank can help you
simplify your finances and take control of your debt.
Check Your Rate


HOW LENDINGCLUB WORKS

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HOW LENDINGCLUB WORKS


 * APPLY IN MINUTES
   
   Get customized loan options based on what you tell us.


 * CHOOSE A LOAN OFFER
   
   Select the rate, term, and payment options you like best.


 * GET FUNDED
   
    Once your loan is funded, we’ll send the money straight to your bank account
   or pay your creditors directly.


 * GET FUNDED
   
    Once your loan is funded, we’ll send the money straight to your bank account
   or pay your creditors directly.

Check Your Rate


BANK SMARTER WITH LENDINGCLUB

Make the most of your money with LendingClub, recently awarded for its Best Cash
Back Checking Account on Newsweek's America's Best Banks list for 2022. Our
superior products and services are built to help you reach financial wellness,
including our award-winning checking account, Rewards Checking, offering 1% cash
back, ATM rebates and more.



Learn More


JOIN OVER 3 MILLION MEMBERS

Thank you so much for valuing me as a customer, and coming through for me and my
family at a trying time in this world.

—Roselyn, a member from Texas
Read More Reviews
$60 Billion +
Borrowed
3 Million +
Members

54,898 Reviews




QUESTIONS? WE’VE GOT ANSWERS

How is LendingClub different?

LendingClub is America’s largest lending marketplace, connecting borrowers with
investors since 2007. Our LCTM Marketplace Platform has helped more than 3
million members get over $60 billion in personal loans so they can save money,
pay down debt, and take control of their financial future. And because we don’t
have any brick-and-mortar locations, we’re able to keep costs low and pass the
savings back to you in the form of great interest rates. Learn more about our
personal loan rates.
What is a personal loan?

A personal loan is money lent through a financial institution like a bank or an
online lending marketplace that can be used to pay down credit cards,
consolidate debt, or cover a wide range of expenses. Personal loans come with
fixed monthly payments over a set period of time.
How is a personal loan different than a credit card?

Instead of credit limits, introductory rates, or revolving balances, personal
loans come with a fixed rate and payment that you choose up front. No additional
interest will be added to your loan once you lock in your rate, so nearly all of
your monthly payment goes to quickly reducing your balance and paying down your
debt. Learn more about personal loans vs. credit cards.
Will checking my rate hurt my credit score?

Checking your rate with LendingClub Bank has absolutely no impact to your credit
score because we use a soft credit pull. A hard credit pull that could impact
your score will only occur if you continue with your loan and your money is
sent. The good news is that a personal loan could also positively impact your
credit down the road by showing a history of on-time payments and reducing your
total debt (as long as you don’t add new debt, like increased credit card
balances). Learn more about soft vs. hard credit check.
How can I protect myself from scams?

Scammers often try to collect personal and/or financial information from
consumers by posing as employees of philanthropic organizations or financial
services companies. Be cautious about providing personal or financial
information to anyone, even if they claim to be from a company you already do
business with. Learn about the advance fee scam.

Visit Resource Center

Borrow
 * Personal Loans
 * Overview
 * Resource Center
 * Rates & Fees
 * Reviews
 * Debt Consolidation
 * Credit Card Payoff
 * Home Improvement
 * Types of Personal Loans
 * Apply for a loan
 * Business loans
 * auto refinancing
 * Patient solutions

Invest
 * Individuals
 * Education Center
 * Institutions
 * Institutional Investors
 * Bank Partnerships
 * Securitization Program

About Us
 * 
 * CRA Public File
 * Company
 * Careers
 * Media Center
 * Corporate Governance
 * Investor Relations
 * blog
 * developers
 * Powered by the LC™ Platform


595 Market Street, Suite 200
San Francisco, California 94105
Check Your Rate
Contact Us


 * Terms of Use
 * Privacy Policy
 * Licenses
 * Accessibility
 * SEC Filings
 * Safety & Privacy

If you have special access needs and are having problems accessing this website,
please call 833-536-3639.


*

On average, personal loans from LendingClub Bank are offered at an APR of 15.95%
with an origination fee of 5.00% and a principal amount of $15,800 for loans
with term lengths of 36 months, based on current credit criteria and an analysis
of historical borrower data from 1/1/21 to 4/12/21. For credit card purchases
made in March 2021, the average APR was 20.29%, according to publicly available
information published by TheBalance.com. If you pay off a credit card balance of
$15,010 with an APR of 15.95% over 36 equal monthly payments, you will pay
$5,152 in total finance charges. If you obtain a loan with a term of 36 months
and an amount financed of $15,010 (principal amount of $15,800 with an
origination fee of $790) at 15.95% APR, you will pay $3,975 in total finance
charges over the term of the loan, a savings of $1,177 as compared to the
average credit card.

Savings are not guaranteed and depend upon various factors, including but not
limited to interest rates, fees, and loan term length.

A representative example of loan payment terms is as follows: you receive a loan
of $13,411 for a term of 36 months, with an interest rate of 12.16% and a 5.30%
origination fee of $711, for an APR of 15.99%. In this example, you will receive
$12,700 and will make 36 monthly payments of $446.46. Loan amounts range from
$1,000 to $40,000 and loan term lengths are 36 months or 60 months. Some amounts
and term lengths may be unavailable in certain states.

APR ranges from 7.04% to 35.89% and is determined at the time of application.
Origination fee ranges from 3% to 6% of the loan amount. Lowest APR is available
to borrowers with excellent credit. Advertised rates and fees are valid as of
7/1/21 and are subject to change without notice.

Checking your loan rate generates a soft credit inquiry on your credit report,
which is visible only to you. A hard credit inquiry, which is visible to you and
others, and which may affect your credit score, only appears on your credit
report if and when a loan is issued to you. Your loan APR will depend upon your
credit score and other key financing characteristics, including but not limited
to the amount financed, loan term length, and your credit usage and history.

Unless otherwise specified, all loans and deposit products are provided by
LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”),
a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Loans are
subject to credit approval and sufficient investor commitment. Only deposit
products are FDIC insured.

“LendingClub” and the “LC” symbol, and “Radius” and the “R” symbol, are
trademarks of LendingClub Bank.

© 2021 LendingClub Bank. All rights reserved.