Personal loans made simple
Borrow $1,000–$40,000 at rates from 8.99% APR. Check your rate in minutes with no impact to your credit score.
How much do you need?
Checking your rate won't affect your credit score
Get funded in 3 easy steps
From application to funding — we make it straightforward.
Check Your Rate
Tell us about yourself and the loan you need. We'll show you personalised offers in minutes — no hard credit pull.
Choose Your Offer
Compare loan options with different rates, terms, and monthly payments. Pick the one that fits your budget.
Get Funded
Accept your offer, verify your identity, and receive funds directly in your bank account — often as soon as next business day.
Whatever you need it for
From paying off debt to funding life's big moments — we've got you covered.
Debt Consolidation
Combine multiple debts into one simple monthly payment at a lower rate.
Home Improvement
Fund your renovation without tapping into your home equity.
Medical Expenses
Cover unexpected medical bills with predictable monthly payments.
Wedding
Celebrate your big day without the financial stress.
Auto Financing
Buy or refinance a vehicle with competitive personal loan rates.
Vacation
Make your dream trip a reality and pay it back over time.
Real people. Real results.
See what our members have to say about their experience.
"I consolidated $18,000 in credit card debt and cut my monthly payments nearly in half. The process was completely online and took less than a week."
"Finally renovated our kitchen after years of putting it off. The rate was better than our home equity line and the funds arrived in two days."
"Checking my rate was so easy and didn't affect my credit score at all. I had three offers to choose from and picked the one with the lowest monthly payment."
Transparent rates. No surprises.
We believe you should know exactly what you're getting before you commit.
Rates shown are representative examples. Your actual rate depends on your credit profile, income, and other factors. Checking your rate generates a soft inquiry only.
Ready to take control of your finances?
Join 4.8 million members who've used LendingClub to reach their financial goals.
No hard credit pull — checking your rate is always free