Lender Summary

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 8.05% 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 are subject to change without notice. 

Loans are made by LendingClub Bank, N.A., Member FDIC (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Loans are subject to credit approval and sufficient investor commitment before they can be funded or issued. Certain information that we subsequently obtain as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that your request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan from us. Loan closing is contingent on accepting all required agreements and disclosures at Lendingclub.com. “LendingClub” is a trademark of LendingClub Bank.

What they're saying

Ratings & Reviews
6149 Reviews
  • Interest Rates
  • Fees & Closing Costs
  • Responsiveness
  • Customer Service

Review Breakdown


The transaction process from applying to getting the money in your bank account was super quick and easy. Thank you!!

  • LendingTree Customer:


Great Experience

My wife and I am finally on our way to financial freedom, we have been working hard to [ay off our debt, but it has not been easy, we have been turned down many times for consolidation loans. But now with the help of the lending club and the low interest rate we can pay off our debt faster, and in the near future buy our dream house.

  • LendingTree Customer:


Very Happy

I came into an unexpected situation where I needed a $5000 loan, for bill consolidation and breathing room on other credit obligations.

I applied for a Lending Club $5000 loan. I was approved for up to $8000, at an excellent rate (< 10%).

This was even though I had a "low" credit score (660) due to high credit balances - but they were good enough to realize that I always pay, so I was a good risk.

I had the cash within a week, just a few questions, one in-person call, and confirmation of my bank account via a test deposit.

I plan on repaying this loan immediately after I consolidate, but I will use them again as it is a much better rate than credit cards.

Very satisfied!

  • LendingTree Customer:


Thank you for sharing your experience

Here are a few tips for writing a top-notch review for a company in our marketplace:



Customer Satisfaction rating is based directly on customer ratings and reviews. Customers rate lenders on their customer service, interest rates, fees and closing cost and overall experience.

LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.


Let's answer a few short questions and see what offers LendingClub and other lenders may have for you.