LendingClub Personal Loan
LendingClub Bank
4.2
8.99%–36.00% APR$1,000–$40,000Fee: 1–6% of loan amountMin credit: 600+
APR Range
8.99%–36.00%
Loan Amount
$1,000–$40,000
Term
36–60 mo
Origination Fee
1–6% of loan amount
Our take
LendingClub allows joint applications which can improve your rate. Solid option for borrowers who want flexibility.
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Full details
| Minimum loan amount | $1,000 |
| Maximum loan amount | $40,000 |
| Lowest APR | 8.99% |
| Highest APR | 36.00% |
| Shortest term | 36 months |
| Longest term | 60 months |
| Origination fee | 1–6% of loan amount |
| Minimum credit score | 600+ |
| Funding speed | A few days |
Frequently asked questions
What is the APR range for LendingClub Personal Loan?
LendingClub Personal Loan offers APR from 8.99% to 36.00%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with LendingClub Personal Loan?
Loan amounts range from $1,000 to $40,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for LendingClub Personal Loan?
A minimum credit score of 600 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does LendingClub Personal Loan charge an origination fee?
Yes, LendingClub Personal Loan charges an origination fee of 1–6% of loan amount. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with LendingClub Personal Loan?
LendingClub Personal Loan typically funds loans within A few days. Actual funding time may vary based on verification requirements and your bank.
Is LendingClub Personal Loan worth it?
LendingClub allows joint applications which can improve your rate. Solid option for borrowers who want flexibility.
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Verified Apr 2026
LendingClub Personal Loan