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LendingClub Review

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Reviews 4,169

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BestMoney Staff
Bestmoney Staff
May. 17, 20214 min read

LendingClub summary

LendingClub​ is a leading name in the personal loan industry in the US. Using a peer-to-peer lending model, LendingClub offers borrowers a range of loan options. With a good reputation, convenient application process, and access to attractive loan terms, it’s easy to see why LendingClub is a top choice for debt consolidation loans, businesses, and personal loan needs.

Pros

  • Loan amounts up to $40,000 available
  • Flexible eligibility terms

Cons

  • Not available in the state of Iowa
  • Funding as long as 3-7 days

LendingClub LendingClub View Rates

Suitable For?

  • Borrowers with good credit

LendingClub works with a vast network of investors to provide access to loans for borrowers with credit scores starting at 600.

  • Joint application borrowers

You can add a joint applicant to your loan application but they will still have to go through the credit underwriting process before getting approved for the loan.

Loan Features

Fixed monthly payments

With a LendingClub loan you'll pay a fixed monthly rate throughout the term of the loan, which makes it easier to budget and plan ahead.

Hardship Plan

LendingClub’s Hardship Plan lets you to freeze your loan for up to 3 months if you experience a difficult financial period and are unable to make your loan payments on time.

Rebuild your credit

If you make your payments on time, you can work on rebuilding your credit score because LendingClub will report this activity to the major credit reporting bureaus.

The Application Process

Step 1: LendingClub has a fast online application that requires you to fill out information such as:

  • How much you want to borrow
  • What the loan is for
  • Personal information

Step 2: Next, LendingClub will run a soft credit pull, which will not affect your credit score.

Step 3: Once the application is processed, LendingClub will assign you a grade that will determine which investors will back the loan request and what type of terms you can expect to receive. Only investors can see the grade, not the borrowers, and grades are based on credit history.

Step 4: Once your loan is approved you should carefully read the terms of the loan offer to understand what it entails. Based off of the approved loan amount you should be able to see what your monthly payments are.

Loan Terms

Typical loan terms range from 36 - 60 months with an APR ranging from 6.95% - 35.89%* , and borrowers can request anywhere from $1,000 – $40,000. A P2P Lending market place allows investors to invest in these loans with different terms.

Fees

One downside to LendingClub is the fees structure. Many other lenders do take fees, though, so LendingClub is not alone in this practice. Some of their standard fees include:

  • Origination fee: 1% - 6%
  • Late fee: 5% of payment due or $15, whichever is greater
  • Check processing fee: $7
  • Unsuccessful payment fee: $15

Repayment Terms

  • Flexible terms of 36 or 60 months
  • Late payment fees apply
  • Freeze loan for 3 months if you can’t make payments

LendingClub offers access to flexible repayment terms with plans available for either 3 or 5 years. As mentioned, there is a late payment fee for missed payments or payments that are put through too late to be processed on time. However, LendingClub offers a generous Hardship Plan to its borrowers. The Hardship Plan allows borrowers to freeze their loan for up to 3 months during difficult financial times such as unexpected debt, medical bills, or loss of income or employment. Borrowers will still have to pay the interest payments each month, but that is significantly less than the overall monthly amount due.

Privacy & Security

Each page on LendingClub's website is VeriSign Secured, and all transactions are TRUSTe certified. Additionally, it is a publicly traded company, so there is a lot of information about the company available to the public (such as financial records, reports, and statistics). This kind of public identification ensures that LendingClub is maintaining all the legal requirements, making them a reliable and safe alternative to some of the more anonymous or lesser-known competitors.

Customer Service

LendingClub provides customer service via email as well as phone support, which is available Monday-Friday 6:00am - 5:00pm PT and Saturday 8:00am - 5:00pm PT. Additionally, there is a thorough FAQ section that is neatly broken down into categories. There is also a search function to help facilitate faster answers.

Summary

With the flexibility of long repayment terms, a thoughtful Hardship Plan, and good loan terms overall, LendingClub is a good option for personal loan needs. If time is not of the essence, and you are looking for a reliable loan service, LendingClub is the choice for you.

FAQs

Does LendingClub charge any fees?

LendingClub charges the following fees: origination fee from 1%-6% of the loan, a late fee of 5% of the payment due or $15 (whichever is higher), a check processing fee of $7, and an unsuccessful payment fee of $15. If you decide to pay off your debt early, you’re in luck as there are no prepayment penalties.

What type of credit do I need? 

You don’t need especially high credit to get a loan through LendingClub. The company expects a minimum credit score of 600, and will also check that you have a credit history of 3 years. LendingClub will require a soft credit pull, which won’t affect your rating. The company also works with people with a debt-to-income ratio of up to 40% which is considered high. The bottom line - LendingClub can facilitate loans for people who may have gotten shut out elsewhere, though you’ll want to remember that this tends to mean that you’ll get less favorable loan terms.

How can I use my loan?

For the most part, LendingClub doesn’t restrict how you use your loan. Through LendingClub you can get a personal loan for $1,000 to $40,000 that you can use for just about anything - consolidating debt, paying off credit cards, sudden home repairs, a destination wedding, you name it. That said, the company stipulates on its website that the loans can’t be used for making investments (such as in securities or cryptocurrency), for higher education, gambling, or for anything illegal.

How long will it take to receive my funds?

Typically, users can make it through the entire application, approval and funding process within about 3 days, though in some cases it may take longer. After finishing your online application, when you loan is approved and backed by investors it will be electronically deposited in your bank account. Your bank may take a couple days on their end to approve the deposit. If you want to expedite the process - or prevent any unnecessary delays - make sure to get all your paperwork in order ahead of time.

Physical Address

595 Market Street Suite 200,

San Francisco,

CA 94105

LendingClub LendingClub View Rates

Disclaimers

All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: 595 Market St suite 200 San Francisco Ca 94105.

**Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20, 2018. The time it will take to fund your loan may vary.

†Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at reviews.lendingclub.com



BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

LendingClub
LendingClub
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ExcellentReviews 4,169
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  • author
    Peri
    2 hours ago
    The Lending Club I a great company to…

    The Lending Club Is a great company to do business with. The process is quick, and easy. They will slways have my business.

    ...

  • author
    Theresa Langan
    40 minutes ago
    Excellent!

    Excellent!! I sent in my paperwork and then received the funds right in my checking account.

    ...

  • author
    Kim
    3 hours ago
    It was easy and simple!

    It was easy and simple!

    ...

  • author
    Stella
    4 hours ago
    Lending Club is awesome

    Lending Club is awesome. Easy online application and your money in your account within a couple of days! Percentage rate is usually lower than bank rates as well. Very pleased!

    ...

  • author
    Anish
    4 hours ago
    I have taken credit consolidation

    I have taken credit consolidation. It was pretty easy getting a loan and no hassle at all. I would recommend them.

    ...

  • author
    customer
    4 hours ago
    This is my 2nd loan from Lending Club.

    This is my 2nd loan from Lending Club. They have been very helpful to me. I filled out the application and within 2 days the money was in my account and I was able to take care of my business. Thank you so much.

    ...

  • author
    Keven tarbet
    Jan 01, 1970
    Debt consolidation

    I need to do a debt consolidation on two cards. It was extremely easy, user friendly, and a fast deposit. I really appreciate their business, an I highly recommend them.

    ...

  • author
    Jacqueline Walker
    Jan 01, 1970
    Peace of Mind at a Reasonable Price

    We applied to LendingClub for a loan years ago, and were extremely satisfied with our experience. Recently, with the upheavals in the economy, along with our joint retirement, we found ourselves being restricted by credit card debt. We decided to contact LendingClub once again, to give us some much-needed financial breathing room. The process is easy, fast, and a lot cheaper than most of the other alternatives available. I have no problem whatsoever in recommending LendingClub. They have really done their homework in customer satisfaction, from our perspective.

    ...

  • author
    Peter Dalke
    Jan 01, 1970
    Worst experience ever

    This was the worst experience ever trying to secure a small loan. Agent was difficult, rude and confrontational. Experience was so trying and stressful gave up and went to competitor who handled like a dream. Never use this company if you can avoid it.

    ...

  • author
    Daniel Telles
    Jan 01, 1970
    Very simple

    Great experience needed money fast went to lending group filled out the application Was approved on the spot received my money sooner than expected 2 days later I am very happy with my decision to go with lending group.

    ...

  • author
    Gisela Quintana
    Jan 01, 1970
    It was quick and easy

    It was quick and easy

    ...

  • author
    Tanvir
    Jan 01, 1970
    It was quicker then I was told.

    I’m thankful to LendingClub.

    ...

  • author
    Thomas Welch Jr
    Jan 01, 1970
    Absolutely good job always on point…

    Absolutely good job always on point will do buisn

    ...

  • author
    Jacquelyn Taylor-Mays
    Jan 01, 1970
    Best lending company ever quick and…

    Best lending company ever quick and efficient. No hidden fees.

    ...

  • author
    Amanda Huza
    Jan 01, 1970
    Great experience

    The process was so easy and everything was clear about the terms.

    ...

  • author
    EJ
    Jan 01, 1970
    The experience was both quick and…very happy customer.

    The experience was both quick and uncomplicated. The proceeds were paid immediately with no hassles.

    ...

  • author
    Nita Martin
    Jan 01, 1970
    Game Changer in Financial Planning!

    When I got an email from LendingClub, I almost deleted it. Luckily I didn't. It's not like all the other lenders who are trying to sell you other services. It's a genuine lender. After a pleasant and easy process, I had a loan and was able to pay off high interest credit cards. Now I have one affordable payment that saves me real dollars. They're great. I highly recommend them. Nita

    ...

  • author
    Bryan
    Jan 01, 1970
    Great Company!

    The process was quick and easy. They came through for me.

    ...

  • author
    Che Fon
    Jan 01, 1970
    Best option for financing

    Was surprised at how fast they came through. Just within a couple of days, I had my credit cards paid off and money in my account. Best part of it is the low rates. Awesome

    ...

  • author
    Michelle Roberts
    Jan 01, 1970
    I used Lending club to consolidate my…

    I used Lending club to consolidate my credit card debt. The approval was fast and easy and the money was distributed within a couple days. The best part was the interest rate came in even lower than was first estimated. I recommend this service

    ...

  • author
    Irene Rennie Devance
    Jan 01, 1970
    Helpmate

    The one you go to in your time of need. They helped me bring down my credit card debt in June, and turn around and helped me replace my roof in September. They're there for you and I love it..... Thank you Lending Club

    ...

  • author
    Ivan Torres
    Jan 01, 1970
    Great service would recommend.

    Great service would recommend.

    ...

  • author
    Rosa
    Jan 01, 1970
    It was very easy to apply and…

    It was very easy to apply and everything was fast.

    ...

  • author
    Aubrielle
    Sep 24, 2022
    Deceptive, poor communication.

    I applied for a loan a couple of weeks ago and was told that they do not have a accommodations in place for people that do not have access to a telephone. After purchasing a phone to use, they went through a 30-minute verification process, the majority of which was unnecessary. After the verification, I was told I had not been approved for the loan, but merely it approved for the terms of the loan. I was told I would hear back within four business days whether or not I was approved for the loan itself. It's been a week and a half and I have not heard from them. I have also read online several accounts of money being deposited without authorization, or money not being received at all. I had a loan with upgrade a little less than 3 years ago and everything went very quick and smoothly. They have their own quirks, but I would definitely recommend them over lending club.

    ...

  • author
    Geri Kennedy
    Sep 24, 2022
    Fabulous, Fabulous!!!!!!

    I think lending club is wonderful I would gladly tell everyone, in fact I do . You get a wonderful Personal feeling and experience As the weight has been lifted off of your shoulders. That there is hope And you will not be rejected. You get your money Within 2 to 3 days! It's fabulous

    ...

  • author
    Charlotte White
    Sep 23, 2022
    Very quick deposit

    Very quick deposit

    ...

  • author
    T. Stamps
    Sep 23, 2022
    Easy

    Easy, seamless transaction. LendingClub didn't over exhaust the process but made it easy for me. Thanks.

    ...

  • author
    Michael Norman
    Sep 23, 2022
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    ...

  • author
    William Jenkins
    Sep 23, 2022
    Super Company to Work With!

    Wow, I have had an account with this company for over a year now and KUDOS is all I can say! The application process to money in my bank account was quick, stress free and straightforward (All completed in less than 72 Hours! Thank You! Interest was a little high, but fair for my needs! They offer monthly autopay setup, interesting articles about how to handle credit and offer a simulator aiding you to see how your score would change depending on various activities you make about your finances. Only had to talk with CS once in 12 months (that instance was to verify my identity) and the rep was courteous, professional and knowledgeable!

    ...

  • author
    Mike Green
    Sep 23, 2022
    I've unfortunately had some health…

    I've unfortunately had some health issues this year and was so thankful I was able to receive a few loans, with a much better APR and interest rate than my credit cards.

    ...

  • author
    Maria Elena Cervera
    Sep 22, 2022
    Excellent Service!

    Excellent Service! Very impressed with the prompt easy application process. Will recommend the Lending Club to family and friends. Thank You Lending Club! Maria C.

    ...

  • author
    Barbara Williams
    Sep 22, 2022
    Absolutely unbelievable

    Absolutely unbelievable! This company was amazing! Easy to apply for and money was in the bank 5 days later!!!

    ...

  • author
    Cathy Craig
    Sep 22, 2022
    Was able to attain themoney quickly

    Was able to attain the money quickly. I was a little surprised about the money that was extracted for preparing documents it was much higher than what was shown originally. I was able to change my due date but again after I did that I was told that it could affect the payment of the loan at the end. This should all be presented at the beginning.

    ...

  • author
    Jim Hood
    Sep 22, 2022
    Cash shortage

    I'm 80 dollars short in the cash that was deposited in my bank account, the loan was for 8000 I can only account for 7920

    ...

  • author
    Hakim taj
    Sep 22, 2022
    Great thank you

    Great thank you

    ...

  • author
    Kathy Akey
    Sep 22, 2022
    Lending Club makes it so easy to get an…

    Lending Club makes it so easy to get an additional loan if needed. Will never get a loan anywhere else!

    ...

  • author
    Carla Falvo
    Sep 22, 2022
    Very quick and easy they help you from…

    Very quick and easy they help you from beginning to end. Definitely helped me with the loan i asked for to pay off my credit cards. Perfect time since the interest rates are going through the roof now. Thank you again

    ...

  • author
    Veronica Codrington
    Sep 22, 2022
    I applied for a bill consolidation loan…

    I applied for a bill consolidation loan online and the process could not have been any smoother or easier. I qualified for a great rate and I elected auto withdrawals from my checking account each month. No worries about late payments! The proceeds were deposited in my checking account in a matter of days. Love my experience with the Lending Club.

    ...

  • author
    S. L. Henderson
    Sep 21, 2022
    Credit karma suggests that I apply for…

    Credit karma suggests that I apply for a loan to pay off some high interest credit cards and I applied and was approved. That easy. Thanks for helping me get back on track!!

    ...

  • author
    Ishmael Tettey
    Sep 21, 2022
    Was well taken care of

    Was well taken care of

    ...

  • author
    Harvey Blackiston
    Sep 21, 2022
    I have one thing to say

    I have one thing to say, Great! And far above my expectations!!! Well Done, Well Done!

    ...

  • author
    Jonathan Dale Soechting
    Sep 21, 2022
    Can't think them enough.

    Can't think them enough. Getting my credit card debt under control is going to help so much in the long and short run.

    ...

  • author
    Harold McKowan
    Sep 21, 2022
    Awesome Awesome Awesome

    Was awesomely impressed how quick the loan process was and and how fast I was notified of being approved and fast the money was into my account. So very happy I found Lending Club ! ! !

    ...

  • author
    Damian Osuna
    Sep 21, 2022
    This way by far the easiest loan…

    This way by far the easiest loan application experience that I have ever had. I was approved within 48 hours and the money was in my account within 96 hours of sending my application in. It has allowed me to consolidate debt into a smaller payment but still make the larger payments in order to pay it off faster and with no early payment penalty.

    ...

  • author
    BKNY
    Sep 21, 2022
    I stumbled upon Lending Club while…

    I stumbled upon Lending Club while reviewing my credit. I applied late Thursday or Friday. By Tuesday the funds were in my account. I was a bit skeptical at first but if you provide your documentation as requested and meet the credit criteria you will be approved. My interest rate is a little higher. I’m okay with that. I’m out of credit card debt and have funds leftover. I can manage the payments and will be done in 36 months with a stronger credit score. This was a simple straightforward loan with no last minute changes. Lending Club is true to their word and I’m extremely satisfied with their service and professionalism. I highly recommend them. Good luck!

    ...

  • author
    Jackie Billups
    Sep 21, 2022
    Love it!

    This process was so easy, I was unsure if I completed it or not. Quick and easy funding. I LOVE IT.

    ...

  • author
    Margaret Denton
    Sep 21, 2022
    Loan

    I ask for a12,000 loan I was told i was approved instead of getting 12,000 deposited into my bank account I got 11,400 deposited into my account, I'm wondering what happened to the 600 dollars I didn't receive?

    ...

  • author
    Teri
    Sep 21, 2022
    Quick response and timely delivery

    Quick response and timely delivery. Lending Tree was available when I needed them and I was able to start saving money right away!

    ...

  • author
    Wayne
    Sep 20, 2022
    Happy with the loan services!

    Quickest loan service! It’s took me lest than 10 minutes and money in my account in less than 24 hours.

    ...

  • author
    Daryl Etheridge
    Sep 20, 2022
    Have U ever driven on freshly paved…

    Have U ever driven on freshly paved road SMOOTH. This experience was just that.

    ...

  • author
    Darleen Carpenter
    Sep 20, 2022
    Great Service

    This process was seamless. Applied on line, went very quickly, received approval email indicating would be funded within a few days. Money was in my account the next day.

    ...

  • author
    darin king
    Sep 19, 2022
    Went smooth and easy very prompt…

    Went smooth and easy very prompt definitely would recommend cut my payments nearly in half with just one and great interest rate, instead of taking 20yrs paying off cards I'm doing it in 5 and saving a pile of money

    ...

  • author
    Edward Hamell
    Sep 19, 2022
    Excellent Quick Painless

    Excellent Quick Painless

    ...

  • author
    Alexis Roth
    Sep 19, 2022
    The process is super easy and I was…

    The process is super easy and I was able to get my funds fast, pandemic and inflation, messed up my progress, I had a financial bind with these credit cards.

    ...

  • author
    Karim
    Sep 19, 2022
    Extremely easy and problem free

    Extremely easy and problem free. I really enjoyed this experience. Was a little apprehensive at first thinking this can’t be this easy.

    ...

  • author
    Ael
    Sep 19, 2022
    The process was hassel free

    The process was hassel free. LendingClub was very efficient, received my loan in approximately 3 days. Thanks so much LC. I will be back. A+

    ...

  • author
    Summer
    Sep 18, 2022
    LendingClub They have the Answers

    LendingClub was quick, efficient and delivered. I was unsure at first due to some reviews but I took a chance & I am Happy I did. Loan processed within 2 days & I had to provided paperwork & Loan Rep was professional in explaining why. I would really recommend LendingClub to anyone because everyone experience is different but they really try to help and relieve the stress on your money issues.

    ...

  • author
    Terri Carswell
    Sep 17, 2022
    So easy and convenient

    So easy and convenient! I completed everything online and through email! I paid off a higher interest rate with my loan and got a much cheaper definitive payment with a cheaper interest rate. I couldn't be happier!

    ...

  • author
    Judy Medina
    Sep 17, 2022
    It was easy and fast service

    It was easy and fast service. Minimal or no paperwork. Affordable monthly payments and helped me consolidate my accounts . I recommend 100%.

    ...

  • author
    Sherwin Ifill
    Sep 17, 2022
    Lending club was amazing

    Lending club was amazing. My loan request was processed very quickly with little hassle...

    ...

  • author
    Elaine
    Sep 16, 2022
    Debt consolidation loan

    I applied for a debt consolidation loan and Lending Club offered me the amount I requested. The application process was straight forward. Lending Club kept me informed every step of the way until funds were dispersed where I requested.

    ...

  • author
    Kathy
    Sep 16, 2022
    Very easy process from start to finish

    Very easy process from start to finish. I got the money I needed within a few days and now I can breathe a little easier. Thank you, thank you, thank you!

    ...

  • author
    TL
    Sep 16, 2022
    Satisfied!

    The application process was quick and easy. So was acceptance.

    ...

  • author
    Aa
    Sep 16, 2022
    Very easy and well done process

    Very easy and well done process , fast and simple, I would recommend them to everyone.

    ...

  • author
    Colin Chance
    Sep 15, 2022
    It has always been a great pleasure…TREMENDOUS

    It has always been a great pleasure working with you and I look forward to continue.Level of service provided is of an exceptional standard.

    ...

  • author
    Guido Giuliano
    Sep 15, 2022
    Lending Club has been easy to use and…

    Lending Club has been easy to use and they are very efficient thank you

    ...

  • author
    Junior Julien
    Sep 15, 2022
    It was great and very fast

    It was great and very fast

    ...

  • author
    Steven Brewer
    Sep 15, 2022
    Lending club is great 👍

    Lending club is great 👍, the process was very easy and fast. Thanks again. 😊

    ...

  • author
    Kendra Jackson
    Sep 14, 2022
    OMG 😲 Lending Club has done nothing…

    OMG 😲 Lending Club has done nothing but great things for me. I would recommend them to any loanee. Every loan I have applied for from $5,000-$11,500.00 I have been approved!! My money was deposited within 3 business days each loan. No hassles, no worries just pay your monthly payments on time and your borrowing power grows. Very happy customer!

    ...

  • author
    Jackie Cluxton
    Sep 14, 2022
    Terrible

    I applied for this loan to do some debt consolidation at a good rate and to get the last of some credit card debts on a lower interest loan to get it finished off. Well it was a good rate, the application went quick and I was thinking this is easy. Unfortunately, the application process is flawed and the staff is under trained or doesn't care. All the 24 hour processing times are a joke. I submitted a 4506-C form since I'm self employed and they give directions during the application process to submit it by printing it out and filling it out and scanning and uploading. Well after a week of radio silence I find out that a separate company called "Veri-Tax" sends an e-form you "have to use" and thats the problem. So I have to go into my spam folder and find it and do that and email the company to make sure they got it. Another week passes and I reach out again and find out there is a special code that I have to provide to Veri-Tax to make sure the form comes back to my account which was never said anywhere until I called to complain. Well I finally get that to Veri-Tax myself because Lending Club can't be bothered to. Well that finally gets the loan approved. Now after a week of the loan being "Approved" I'm waiting on funding because apparently this company doesn't have the capital to fund loans they approve. So now I'm over 3 weeks in, a week after "approval" and no word on if or when I'll get my funding. Not to mention that half the time I've called and tried to get answers along the way agents have no idea about what's going on or just give me information that was later proven inaccurate. Definitely get your loan somewhere else.

    ...

  • author
    Bruce Miller
    Sep 14, 2022
    Amazing experience

    Amazing experience! Was approved within days and credit card bill paid several days later. Was smooth from applying to payout!

    ...

  • author
    Kat Styrcula
    Sep 14, 2022
    The process was easy to use

    The process was easy to use. I met my goal to save a couple of hundred dollars a month on my charge card bills. The payments were sent out promptly to my credit card companies and the remainder to my checking account to pay off the last 2 not on their list. The initial process went well.

    ...

  • author
    Patricia Kay
    Sep 14, 2022
    I am very grateful to Lending Co for…

    I am very grateful to Lending Co for being there for me! I highly recommend this company!!!!!!!!

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  • author
    Dianne Grobbin
    Sep 14, 2022
    I love working with The Lending Club.

    Everything was so easy and quick.

    ...

  • author
    Antoinette Boltz
    Sep 14, 2022
    This was truly the most satisfying and…

    This was truly the most satisfying and painless borrowing experience ever! Applied, money in my bank account in two days.

    ...

  • author
    Georgie
    Sep 14, 2022
    Nothing but trouble and stress since June 2022 with Lenging Club

    Since receiving the load from Lending Club, I have experienced the worse experience of my life from a lending institution. In June 2022 I received a loan for $25000 to pay for dental implants. Since then I have repaid $2500.00. I have never received paperwork regarding the loan or the amount of interest, although when I applied I was told the interest rate would be 5.5%. Since I have been told the rate is as high as 12.99% and as low as 6.75%. There has been nothing consistent. I have also received repeated notices stating that a payment is due and the amount has varied this month from $170.05 to 405.05. Most recent notice indicated the date to be 9/13/2022, which I received today ((9/13/2022) If I had 23,833 (that amount stated on the most recent notice I would send a Cashiers check in the morning. When this started I had a credit rating over 790. It is now closer to 650, all because of this company. NOT HAPPY, WOULD NEVER USE THEM AGAIN AND STRONGLY SUGGEST THAT ANY ONE CONSIDERING USING THEM RECONSIDER

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  • author
    Nicole Seara
    Sep 14, 2022
    Very professional and prompt

    Very professional and prompt

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  • author
    terry Bryant
    Sep 14, 2022
    Very easy company to apply to no hassle…

    Very easy company to apply to no hassle when applying as long as they around and I need a loan I will apply everytime

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  • author
    Joan Newell
    Sep 13, 2022
    Easy Peasy

    This was a easy process and helped me greatly! I can now plan a budget and save some money. Thank You so much!

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  • author
    Diana
    Sep 13, 2022
    What a relief!I am totally blown away with the…

    I am totally blown away with the simplicity, and speed with this loan. I contacted customer service with a question and she was great. Answered my question and put my mind at ease. My credit cards were paid just like they said they would be. I'm making smaller payments and debt will be paid off a lot quicker. Thank you Lending Club for all your help. The way the economy is going this was a god send. Diana

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  • author
    Teresa Golba
    Sep 13, 2022
    This was a second loan with Lending…

    This was a second loan with Lending Club. Consistently efficient and quick in the response and process.

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  • author
    Kristal Brooks
    Sep 13, 2022
    Great customer service

    Great customer service

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  • author
    Barbie Baughman
    Sep 13, 2022
    Easiest loan process ever experienced!

    This company was absolutely amazing! Ease of application to seamless approval, there were no hitches in the process whatsoever. I would highly recommend this company for anyone wanting fast, impeccable approval and service!

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  • author
    A Crusader
    Sep 13, 2022
    Once I researched Lending Club and the…

    Once I researched Lending Club and the offer that was shown on Credit Karma everything was very easy and professional. Did not care much for the fee for the loan but it is what it is. The money was available quickly which made paying off some liabilities very quick. Thank you for your efforts.

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  • author
    Tammy Louise Lincoln
    Sep 13, 2022
    Very easy process & quick to get the…

    Very easy process & quick to get the funds!

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  • author
    tommy manuel
    Sep 13, 2022
    the whole lending experience went very …well you made it easy.

    the whole lending experience went very well, i was please you made is very simple and easy. to get my loan thanks. TOMMY MANUEL.

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  • author
    arelis Rosa
    Sep 13, 2022
    Its was so fast the process I have the…

    Its was so fast the process I have the money next day .

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  • author
    Mark W
    Sep 13, 2022
    Great Service

    The process was very easy to complete. My loan was funded quickly with no problems.

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  • author
    Eric Childers
    Sep 12, 2022
    LendingClub is my new standard for emergency loans

    I honestly cannot believe how impressed I am with LendingClub. I received an invitation to apply for a loan. I was already in the process of applying for a loan with Upgrade, but was having difficulty getting it processed as quickly as usual. I decided to give LC a try. I provided the information for the accounts I wanted paid off, gave them my checking account info, answered some questions.....then they gave me $22,000.00. THAT is how easy it's supposed to be. I have been an Upgrade customer for years, but they treated me like I was a stranger. I was a first time customer at LendingClub, and they treated me like I'd been with them for decades. The interest rate is about 55% lower than Upgrade so the payments are obviously MUCH lower. Honestly, this is my new standard for getting an emergency loan (they are still high interest/high risk loans, so they are not traditional in any way, but LC is the most professional and friendly way to get one when needed, by far).

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  • author
    S Pete
    Sep 10, 2022
    Quick, Easy and Reliable

    I was looking to consolidate my bills in one monthly payment with one interest rate so I could pay them off faster. The offer was presented through Credit Karma so I applied. I got the approval within minutes. It gave me choices to have the bills paid directly which I would've preferred however, some of my creditors weren't supported when I put them in manually. That's the ONLY reason why I gave a four star rating. It would've given a lower interest rate. I would absolutely recommend Lending Club to anyone with financial needs.

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  • author
    Robert Chambers
    Sep 10, 2022
    My recent experience with lending club…

    My recent experience with lending club is awesome, lending club kept me in the loop on the process of my application. Upon getting the good news lending club help walk me through steps I needed to complete to get my loan as fast as possible

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  • author
    Delma I. Nieves
    Sep 09, 2022
    It was quick and easy

    It was quick and easy. I couldn't believe how fast and easy it was. I think it took me less than 10 minutes to fill out the form.

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  • author
    Evelyn Damers
    Sep 09, 2022
    Lending Club is the BEST

    Thanking you yet again. You came through for me once before. It was an easy process. I was committed to Lending Club until the end on my loan. I never faltered and so I gave you another try. I am grateful for your club. Thank you Lending Club!

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  • author
    Ruben Lawson
    Sep 08, 2022
    DUE TO THE COST OF LIVING GOING UP,I…

    DUE TO THE COST OF LIVING GOING UP,I WAS SOME WHAT AT A FINANCIAL STRUGGLE IN PAYING MY BILLS AND LOAD OFF. THANKS TO LENDINGCLUB I WAS ABLE TO MEET MY FINANCIAL GOALS.

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  • author
    Tony N Gerrie Peca
    Sep 08, 2022
    The entire process took 3-days and that…

    The entire process took 3-days and that includes money in my account.

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  • author
    Maretta Dyer
    Sep 08, 2022
    I was about to cash a loan check with…

    I was about to cash a loan check with high interest that would have helped a little bit, but not what I really needed. Then I saw an email from Lending Club! My heart pounding, I said,"what have I got to lose?" So I applied and whalla! It was approved and now I'm able to pay down my credit card debt and have more down payment for a car! The application process is the easiest I've ever encountered! Lending Club is the best!!

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  • author
    Florene
    Sep 08, 2022
    Since I got a loan from you awhile back…

    Since I got a loan from you awhile back and you helped me with paying down my credit cards, I decided to go with you again. I found that I was able to get another loan without being denied. Thank you so much for your help.

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  • author
    Credit Karma Member
    Sep 07, 2022
    Great Experience

    Such an easy process. Everything is exactly how they say it would be! They helped me accomplish my needs right away. Was one of the recommendations from Credit Karma and did not disappoint!! Had my funds in my bank in 2 days. Will use again in future and will recommend.

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  • author
    MARIA Z
    Sep 07, 2022
    Filling out the application and sending…

    Filling out the application and sending docs were easy and the few times I called to speak to someone, they were super friendly and very knowledgeable, all my questions were answered. Thank you LendingClub!

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  • author
    customer
    Sep 07, 2022
    It was an easy and fast process.

    It was an easy and fast process.

    ...

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