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BestMoney.com
LendingClub Review
Reviews 4,582
LendingClub
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LendingClub
LendingClub
Excellent
Reviews 4,582
Bestmoney Staff
May. 17, 2021
3 min read
BestMoney Staff
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 by
Bestmoney 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.
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Trustpilot reviews
See what some costumers are saying about LendingClub
LendingClub
Excellent
Reviews 4,582
on
Excellent
89%
Great
6%
Average
2%
Poor
1%
Bad
2%
M
mickarooney
2 days ago
Application was easy and quick
Application was easy and quick. I loved that the system provided multiple options of terms and low rates. Most importantly, the funding was funding was quick. Within 7 days of application my credit cards were all paid off.
Y
yasmir diaz
a day ago
Not very knowledgeable or helpful employees
I applied for a loan and was approved. The first time I logged into my dashboard I had an offer for an additional amount already approved to do more credit card consolidation for $19,000. I started the application and after entering the first creditor I received a call and had to stop. When I went to continue, the application had locked up and would not let me add any more creditors. I called, multiple times, trying to get somebody to help me fix it but nobody seemed to know what to do to help. All I needed was the application unlock or them to add the other creditors I wanted to include. After speaking with 3-4 different employees, I was told I could just withdraw my application, which I did. Not even 20 minutes later the same offer appeared again on my dashboard but it would not load anymore. I called again to see if they could help, and of course they said no. So basically, they give you an offer but then don't follow through. Nobody in their staff knows how to correct anything. Oh also, I was told the creditors from my original loan would be paid no later than 7 business days, well here we are 7 business days later and now they are telling me it would take up to 2 weeks. Again, lack of knowledge at best. As soon as I can refinance and move my loan elsewhere i will be leaving and never coming back.
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laurie peterson
2 days ago
It was an easy process.
It was an easy process.
K
kirstine-priscille jackson
2 days ago
Definitely for the Desperate
If you’re having a hard time obtaining a loan, Lending Club is for you. Not saying you will definitely get approved, but they seem to be a little lenient with their qualifications. Just know THERE ARE HIDDEN FEES. I didn’t get the full loan because they took a “fee.” And they’re making me pay back the full loan that included this charge that was taken out. I’m paying back more than I originally planned. But this is what happens when you have nowhere else to go. Obviously, if you have very good credit and verifiae proof of income, you should go to a more reputable company that could give you a better loan offer.
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enrique sanchez
4 days ago
Excellent service and fast
Excellent service and fast
R
ronald taylor
4 days ago
Excellent
I like the part that when I got to a part that I didn’t understand, I was able to call your aunt and speak to a live person. Thank you.
J
joan doucette
5 days ago
All in all I have had a positive…
All in all I have had a positive experience. The only issue was I had applied for a $3,000 loan but the deposit was only $2800. Joan Doucette
E
erika sanchez
6 days ago
They are very profesional
It was a very easy process, professional, and punctual, I highly recommend
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shane hansen
6 days ago
Easy
Easy, fast, friendly!
S
stuart transfiguracion
6 days ago
As a returning customer I was satisfied…
As a returning customer I was satisfied and pleased with the quick response and approved my loan. The money was deposited in my account the next day. thank you and I look forward to do future business with your company.
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elliott michnoff
7 days ago
Lending Club the place to go for PEACE of MIND.
I had applied to Lending Club to go after and to secure a loan from them because I have gotten loans in the past from them, and I knew that I would be able to get a loan from them. The only thing that was bad for me was the APR! Ouch that I had to pay. It was for what I requested a CASH out type of deal. I was APPROVED in 48 hours just like they said and then the money was deposited directly into my Bank Account like they said. My STRESS was then very much relieved and I got to reduce the debt where I wanted for it to be reduced. My SS monthly distribution is taking care of the monthly payment for me so I don't have to worry. Just enjoy life! So, I'm Thankful for Lending Club. I will be a customer for ever. They will work with you if you run into any financial issues, such as skipping a month if you need to. I won't be doing that this time. So, I would recommend Lending Club to anyone.
L
lou
7 days ago
Best first loan ever
Well first of all thank you for the loan and the opportunity to earn your trust and yes I know you are making money in the process, that's business. Nonetheless is helping me in a lot of ways,your services were fast and uncomplicated!!!! Definitely will recommend you guys to my friends
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hector barrientos
7 days ago
Absolutely satisfied the process is…
Absolutely satisfied the process is easy secure terms are easy to understand this my forth loan I am very happy that I make the right decision thank you landing club for help me when I need the most I definitely recommend
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nora pennington
8 days ago
Very Friendly web Site
Very Fast & Efficient Service
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sergio castillo
8 days ago
The process was very easy
The process was very easy! Got money in my bank in a couple of days from when the loan was approved.
S
shaun m
9 days ago
Much needed improvement.
I have had several loans with LC and never had any issues. This last time, they did not communicate like they usually do. They had me resubmit proof forms that were on the acceptable list. I called to explain to them my issue and they noted my account but kept sending the same request. Then it gets approved and into funding but no one let me know. I usually get an email, but not this time. So I call to see what's why I can't see the deposit. So now the process is to wait until they verify my other account and then deposit it then. It has been over 3 weeks now, when it would usually take a week. I'm not sure what changed or who may have effected this outcome, but this was one of the worst loan experiences I have had. Communication would have saved this from happening and really prevented me from writing a review. I don't usually write these. Management needs to streamline the process and those who verify address and living condition, update your list so the customer is not resubmitting the same docs you won't accept that are on the list...very frustrating. LC can do better, like they used to.
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vanessa siegenthaler
9 days ago
So happy I did this!!
Getting a loan through Lending club was super easy and one of the best things I've done for myself!!
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sony
9 days ago
I was surprised when my loan cost me…
I was surprised when my loan cost me over $1000.00 which lowered the amount I was requesting of $21,500.00. I got a loan about 5 years ago for $26,000.00 and I received that amount. So I was disappointed with that.
J
jp landahl
10 days ago
Riding on my journey to rebuild my…
Riding on my journey to rebuild my credit showed me many detours, potholes and challenges. Finding the Lending Club has been one of my best discoveries. Working with them has allowed me to recover and move ahead on my journey. I needed help. Help was offered. The light at the end of the tunnel is growing brighter every day. Thanks to the Lending Club.
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lloyd susan
12 days ago
Lending Club is trustworthy
First, the opportunity was provided via Experian a trustworthy entity which allowed me to feel comfortable completing the simple application process. After the application was completed Lending Club gave me an answer within 3 days. It was simple, quick and mission accomplished!
J
jill williams
12 days ago
This helped tremendously.
This helped tremendously.
B
brooke teegarden
12 days ago
Ease of application
Ease of application, website was simple to use and didn't make me feel unsafe or frustrated using it, next day an excellent rep called and checked in and jumped ahead in the process easily from asking if I was still interested in applying to confirming my application was approved in full already.
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denise gasparino
13 days ago
Super impressed.
Super impressed.. the process was seem less and flawless. Was approved with competitive rate and money was in my account in 2-3 days..
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william frye
13 days ago
Outstanding Customer Service
It is extremely difficult to find good customer service today, but customer service here is outstanding!!! My questions were answered promptly and any action needed was taken promptly and without any nasty attitude!!
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nathan reimers
13 days ago
Still waiting on loan funds from…
Still waiting on loan funds from 1/4/23. 7 days, 12 phone calls, at least 15 different reps and supervisors, over 7 hours on the phone, complaints to FDIC, Comptroller, and BBB. I'm still not sure I am getting anywhere. You seriously think this is acceptable!
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lea green
13 days ago
Borrowing with Ease
This was such an awesome experience dealing with lending club! The app detailed exactly what they required, I complied and in the appropriate time, the money was in my account. Full disclosure of the loan was sent with a copy of the due date, and when it would be taken out of my account. Easiest process ever!😊
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whitney sexton
14 days ago
Recommend 10/10
Lending club offered us a better rate than anyone else. The process was efficient and pretty simple. I was able to connect my credit cards easily and they made the payments for me. No headache. Quick. I was impressed!
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merle holtquist
14 days ago
I can hardly believe how easy it was to…
I can hardly believe how easy it was to get a loan. You people have did a great job streamlining the process to make it as painless as possible. I am on my way to building a better credit score and paying off some old ugly credit cards. Thank you so much for your help. Merle
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pam b
14 days ago
I was originally told that my loan had…not been approved.
I was originally told that my loan had not been approved, but a couple of weeks later I received emails that told me that the accounts I wanted to be off were in fact paid, and that the remaining balance had been deposited into my checking account. So that made me very happy, and I'll learn more about my experience as time goes by.
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heather
14 days ago
Very easy and helpful
Very easy and helpful
B
belarus rich
14 days ago
The loan was processed quickly and…
The loan was processed quickly and accurately. Saving lots by paying off high-interest credit cards.
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bea-ann treadway-walls
15 days ago
Fast and easy
They were fast and didn't prolong plus did it all over the internet didn't have to go into a place. This is my 3rd load with them and each one has been super easyand the money into my account the very next day. Interest rates are not bad either. Thanks Lending Club.
C
chad armstrong
15 days ago
Very easy process and a huge help.
Very easy process and a huge help.
S
steven young, jr.
15 days ago
I’m new to lending club
I’m new to lending club, but after a no hassle loan application and approval my credit score has gone up 40 points!! Seriously! And my payments interest has gone from 22 to 24% to 10%! Awesome service and result!!
B
blade master
15 days ago
ease of the loan,
ease of the loan,
R
robert mcvicker
15 days ago
Great company
Great company, fast approval and funding, 2nd loan and it went just as smooth as the 1st time. Would definitely recommend to anyone looking reduce credit card debt into one low monthly payment and create light at the end of the tunnel.
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erik norman
15 days ago
LendingClub is the best
Fast, and easy process with a fair rate. LendingClub comes through when your personal bank won’t. Thanks LendingClub!
D
dalya edmonds
15 days ago
Do not get a loan from this company
Do not get a loan from this company. They claim they can help if you have financial hardship but they don’t, not even if you’ve always made your payments on time.
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djunltdest
15 days ago
This was through credit Karma and went…
This was through credit Karma and went very well. From the start to the finish was all very quickly done and very much appreciated.
S
suzanne e. burks
16 days ago
It was a very easy process
It was a very easy process. I’m glad to took the steps to apply for the loan.
R
ronnie parker
17 days ago
Very timely.very simplified
Very timely.very simplified
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keith walker
18 days ago
As a repeat customer....
As a repeat customer, I was pleasantly surprised that the Lending Club made my second loan even easier to obtain and they also gave me a better rate. I couldn't be more pleased! Customer for life!!
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jenifer maley
18 days ago
Super easy to apply
Super easy to apply. Money came within 24 hours. APR was very reasonable.
A
alicia vance
19 days ago
I love Lending Club
I love Lending Club! They have met my needs every time I've needed a loan. The process for me is very streamlined since I've proven to be a great client. Lending Club will always be my go to. Thank you Lending Club!
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john robinson
19 days ago
It was actual pretty easy once I had…
It was actual pretty easy once I had the proper documents and if I had a problem I cab call to ask for assistance. Quick and easy as little as 5days. Thank you
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paik armina
19 days ago
Fees are expensive
It was quick to get my loan because I paid off two times. I just don't like too much upfront fee.
M
maldonado
20 days ago
The loan process is quick and easy
The loan process is quick and easy. This is my second loan with LendingClub. I will not go anywhere else. I appreciate what this company did for me and my family.
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dangelo wilson
20 days ago
Lending Club has been a great company
Lending Club has been a great company! They provide me with my first loan years ago and have now provided me with my second loan! They are quick and very responsive! Great customer service too!! Thank you!!
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cecil bullard
20 days ago
This was very easy and the fees were…
This was very easy and the fees were reasonable. It couldn't have been easier.
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kwadwo awere
20 days ago
Great and helpful
Great and helpful
S
stephanie lowe
20 days ago
Never again.
I have taken out my last loan with lending club and will not be taking out another. I've had the same issues with a "glichy" system that somehow ignores the fact that I select not to autopay, and despite a ten day grace period these funds find their way out of my account anyway and inevitably cause me to overdraft, as I haven't been paid yet. When I call about these issues I'm given an empty apology for the inconvenience but that's it. Several times I paid my monthly payment, only to be autodrafted for the same payment later that day or the same week, and each time this happened they refused to refund one of those payments back to me. Completely unacceptable.
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hc
20 days ago
So Easy & Quick Service
After looking into debt consolidation options we decided to go with the Lending Club. The application process was very easy and before I knew it the loan was approved , my debts were paid for me and leftover funds direct deposited into my checking. This could not have been any easier. I highly recommend the Lending Club for your financial needs to get you on your way to pay off debt.
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catherine stewart
21 days ago
I've been with your guys about a good…
I've been with your guys about a good 10 years I don't received about 7 to 8 months the process was very short one to two days the money was in my account like always you guys always come through it's a blessing and I want to thank you guys
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delton nannen
21 days ago
Lending Club is very easy to work with…
Lending Club is very easy to work with giving you lots of options to consider. I would recommend them to anyone considering a personal loan option!
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tanya bates
21 days ago
You guys were AWESOME
You guys were AWESOME, VERY QUICK AND EASY.
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gary baublitz
21 days ago
20 minutes
20 minutes, got it done, 3 days or less
R
richard buie
21 days ago
My third time borrowing from lending…
My third time borrowing from lending club, fast and easy.
T
tina hallis
22 days ago
Easy
Easy, fast and great service. I've done 2 loans with them and no issues at all.
J
janice l
22 days ago
Thanks!
Thanks!! You were there when needed. Loan was in an adequate time frame. Interest was high but I didn't expect anything different. Plan to pay back early.
B
bella
23 days ago
This company is amazing
This company is amazing ! True to their word no long forms fast and easy! Great way to get out of debt fast with reasonable payments!! Compared to other companys that are way higher and complicated for less money loaned.this was a wonderful opportunity to start out the year in better financial standing with less interest rate than what my credit cards had
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scott williford
23 days ago
I just did my 4th loan
I just did my 4th loan. It was a consolidation loan, whereby I used the proceeds from the 4th loan to pay off the first 3 loans. It saved me about $300 per month. Always fast and professional. Love working with Lending Club.
R
ray
23 days ago
Process can't be any better!
Process can't be any better!
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johnny thomas
23 days ago
Good people do business with
They were very helpful to me and my family treat me real good thank you
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adriano veras
24 days ago
From the beginning to the end they…
From the beginning to the end they explained all the process and answered all my questions. Very professional and straightforward customer service.
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shadow kingsley
24 days ago
waste of time
bull crap. they make it seem like they are there for you but then when you apply they reject you and send you to some third party site to apply who only does the same
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richard
25 days ago
This is my second loan with the Lending…
This is my second loan with the Lending Club and was quick and easy from the start to the finish. Thanks to all involved.
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alexandria vega
25 days ago
Was a very easy and quick process to…
Was a very easy and quick process to get my credit debt over with very thankful
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mary davis
a month ago
LendingClub was an easy online loan…
LendingClub was an easy online loan experience. It was quick with approval and within one week everything was taken care of. My credit cards paid off and a little extra was deposited into my account to do a few small home repairs. When I called to inquire about when I should see the money deposited in my bank the customer service rep was very helpful and super polite. It was a great experience.
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varetta gardner
a month ago
What made my experience great was the…The overall process from start to finish!!
What made my experience great was the fact that I could do everything online. They let me know what else I needed and they kept me informed on how everything was going! The overall process could have been a little faster, but overall it was great!! No complaints!! I didn't even have to leave my house or wait for weeks.
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keylin escobedo
a month ago
Amazing!
You guys made this transition as smooth as possible. All the paperwork was organized and detailed.
H
hector
a month ago
Lending Club came thru like a champ……
Lending Club came thru like a champ… fast and stress free process .. Funded in a couple of days .. Thank You Lending Club !!
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tina fuentes
a month ago
Best Private Loan Company!
Honestly lending club it’s the best! No hassle no delays straight to the point! Fast & I mean VERY fast! I’m definitely a VERY happy customer! All other loan companies out there take too long, underwriting it’s extremely strict almost impossible to complete! 100% will be recommending LC!
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tina hurst
a month ago
This is my third loan with Lending…
This is my third loan with Lending club! They are helpful, professional and supportive with great customer support! I can't say enough positive things about them!! If you need a loan with a competitive rate you should check them out!!
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diane haggerton
a month ago
They was ever fast in sending my money
They was ever fast in sending my money I'm getting everything I wanted to payed off.that helps me so much.I thank you and God bless you all.Ill tell all of my family and friends now good y'all was .
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dean
a month ago
They were freindly and proffessional to…
They were freindly and proffessional to deal with
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danielle dilks
a month ago
Easy and Fast Process
I was surprised at how easy it was to apply and how quickly I received the funds. It feels good to have all the miscellaneous credit cards consolidated into one manageable bill. I also was glad to have the auto payment option so I will never forget or pay late. The only thing that I didn’t like is that Credit Karma indicated that the inquiry wouldn’t affect my credit scores, but it’s listed as a hard inquiry and I lost some points.
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edith king
a month ago
Are you folks reading your email
Are you folks reading your email? I have been trying to cancel my loan application for two weeks, now. I do not want the 18,800 dollars you sent me. I do not want to be charged 12,000 dollars for a loan I didn't want and won't keep. Please be professional and take your money back and refrain from charging me a closing fee. Edith King
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jason beebe (beebe's lost and found)
a month ago
This was one of the easiest loans I…
This was one of the easiest loans I have ever applied for and received.
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kyle koehler
a month ago
A++ experience.......Highly recommended
I have had a wonderful experience with LendingClub so far. The application submission process was easy, they provided me good rates and options up front, and I was prompted to complete ALL the paperwork up front. I was given a better rate for selecting to pay a certain % of my loan directly to credit cards (which i was doing anyways). I submitted my application over the holiday break and it was still completed the first business day back. The loan was disbursed immediately and received. Highly recommend for no frills, quality loan experience!
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amiel whyte
a month ago
Lending club provided me with great…
Lending club provided me with great financial services by offering options that allowed me to Taylor my needs with the products offered. In addition the process from start to finish was handled professionally, promptly and without any hiccups whatsoever! In my book you guys are great!!
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jennifer dehmlow
a month ago
Very smooth process
Very smooth process
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michigan cody
a month ago
Fast approval and money was in account…
Fast approval and money was in account and to creditors fast. Super thankful.
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joseph
a month ago
My vehicle died at Christmas.
This is my second loan from Lending Club. It was approved in a reasonable time and the percentage rate is less then my credit cards. The online service web site is easy to navigate. The phone customer service is very nice too. I recommend Lending Club to my friends.
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susan broussard
a month ago
Great process!
Very easy, very quick! Thank you!
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melissa vestal
a month ago
Do not use this bank
Do not use this bank! Go anywhere else and save yourself from their incompetence. I called them to set up a wire transfer several days in advance and asked for it to be sent on January 2nd. When the transfer didn't happen, I found out the bank was closed that day! Why would they schedule a wire transfer for a day when they're closed? Today, I've called 5 times and was continually assured it would be done today, but the cutoff time came and it still wasn't done! Now, I'm told it may not be done for 2-3 days! I'm so upset that I trusted this bank with my money. Don't let it happen to you...stay away!
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j.c.r.
a month ago
Very good experience
The application could not have been any easier, it guides you step by step through the process and provides clear explanations for each phase. The time from application to funding was very fast and automatically having payments sent out for bill consolidation was very convenient. I had a very good experience throughout, I highly recommend.
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walesca jordan
a month ago
Easy to apply and had money a couple of…
Easy to apply and had money a couple of days after approval.Thanks
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lilian
a month ago
Our loan was approved very fast and our…
Our loan was approved very fast and our money was sent after a couple days!!! Grateful!
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steven savaloja
a month ago
Lending club get a big thumbs up
Lending club get a big thumbs up . They did'nt judge me about my past " and beleave me it was'nt very good " . I'm on my come back and it will take some time , and with the help of lending club taking a chance on me to show people can change . Thank you lending club
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royce
a month ago
Was able to get my 2nd personal loan…
Was able to get my 2nd personal loan and paid off 22,000 worth of credit card debt. Those cards have an avg. of 23% interest. My loan is 10%. I will save a tremendous amount of money and pay this off in 5 years.
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vanessa andrea walker
a month ago
The process was so quick and easy
The process was so quick and easy. Made a stressful debt situation go away with a quick application through my smartphone. Now we can breathe a little better financially.
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lucile rosprim
a month ago
Thanks a lot I had some credit card…
Thanks a lot I had some credit card debt due to building my house though all my savings would cover. Just couldn't get caught up. So thanks for my loan now I have one payment instead of 3
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susan daniels
a month ago
Easy Process
The process was easy to complete. I completed the application. Even thought it was close to the holidays, it didn’t take long to receive approval and the funds.
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ray jenki
a month ago
It took a long time for a decision
It took a long time for a decision. They didn't ask me certain documents that were needed. It just kept saying under review. I had too call for a update then finally I received a call requesting additional documents. Then I had too go back through the review process. After that, I received a message telling me to link my bank account inwhich I had already done. So I called again and I was told to disregard that message. At that point I was ready too just cancel the loan. The loan was eventually approved after over 2 weeks.
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c. perry
a month ago
Easy application process
Easy application process. The loan was approved and funded within a few business days. You can check your status online and I received up to date emails.Would definitely recommend.
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mark jones
a month ago
My loan through the Lending Cub went…
My loan through the Lending Cub went very smoothly and assisted me in shifting from concern to feeling much better with my finances. Thank you!
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shirley
a month ago
Lending Club to the rescue
Lending Club has been here for me, when no one else was. I am greatly appreciative to them for all the assistance they've given me over the years. A loyal customer
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manny menendez
a month ago
I am a repeat customer
I am a repeat customer. I thought that applying for the loan would have no impact on my credit score, but days after securing funds, I got an email saying you pulled a hard inquiry on my credit. I also thought that I would received a much lower interest rate, but the contact I spoke to via phone said that was the best they could do. I guess I just expected better treatment, but it is what it is.
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itz bytish
a month ago
Simple Process
I really appreciate Lending Club’s simplicity w/ applying for a loan and getting approved. Would definitely recommend.
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arlishia rembert
a month ago
Drowning and need to come up for air….
This company came through with flying colors for me, at a time when I was sinking in debt. They gave me an opportunity to pay some things off as well as make a well needed purchase , which made my life easier in every aspect . I highly recommend them to anyone looking for or are in need of a LENDING hand !