- Apply online in minutes
- Get funded in a few days
- Make fixed monthly payments
"Lending Club has made it possible for me to achieve my financial goal of consolidating all my credit card debt into a single, low monthly payment."
Borrowers reduce their rates by an average of 35%1!
Borrowers who used a personal loan* via Lending Club to consolidate debt or pay off high interest credit cards report in a survey that the interest rate on their loan was an average of 35% lower than they were paying on their outstanding debt or credit cards.
Fast and easy application
Apply online in just minutes, with no impact to your credit score. You can instantly review the loan offers that you qualify for, and you'll never need to visit a branch to complete your application.
Flexible financial tool
Use your personal loan to pay off high interest credit cards, finance home improvements, pay for a major purchase, or achieve other financial goals.
Fixed rates and payments with no hidden fees
All loans feature an affordable fixed rate, which means your monthly payment will never increase!
Prepay and save even more
You can prepay your loan at any time to eliminate future interest payments. There's never a prepayment penalty or fee.
A+ rating with the Better Business Bureau
Since 2007, hundreds of thousands of borrowers have obtained over $16 billion dollars in loans via Lending Club.
Single, convenient monthly payment
Loan payments are automatically scheduled each month. No more remembering to mail checks for each of your credit card bills.
A loan that can boost your credit score
By consolidating debt or paying off credit cards, you may improve your credit score. 76% of borrowers experience a FICO score increase three months after obtaining their loan, with an average score increase of 21 points2! And of course, checking your rate to view the loan offers you qualify for will not impact your credit score.
* All loans made by WebBank, a Utah-chartered Industrial Bank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history.
1 Based on responses from 12, 728 borrowers in a survey of 66, 493 randomly selected borrowers conducted from January 1, 2015 – January 1, 2016, borrowers who received a loan to consolidate existing debt or pay off their credit card balance reported that the interest rate on outstanding debt or credit cards was 21.90% and average interest rate on loans via Lending Club is 14.30%. Loans via Lending Club feature rates from 5.99% to 35.96% APR and origination fees from 1% to 5%.
2 Average credit score change of all borrowers who took out a loan via Lending Club between January 1, 2013 and September 30, 2015 with a stated loan purpose of debt consolidation or pay off credit cards.
Pawlowski is the co-founder of the Palo Alto Funding Group, the brick-and-mortar brokerage
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principal architect of the company's highly acclaimed proprietary E-TrackSM service, which
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