Why Choose a Personal Loan?


A personal loan allows you to borrow money from a lender for almost any purpose, typically with a fixed term, a fixed interest rate, and a regular monthly payment schedule. Collateral is usually not required and personal loans typically have lower interest rates than most credit cards.

Since interest rates and loan terms on a personal loan are fixed, you can select a loan and payment amount that fits within your budget—which is great when you’re consolidating debt. Plus, you’ll know the exact date your loan will be fully paid off.

Using a personal loan to consolidate high-interest credit card debt might even help you improve your credit score, by diversifying your credit mix, showing that you can make on-time monthly payments, and reduce your total debt.


Join Over 4 Million Members Nationwide


Borrow up to $40,000


Receive money fast, upon approval

      2.Competitive fixed rates and fixed monthly payments

      3.No prepayment fees

      4.Automatic payment withdrawals

      5.Check Your Rate

      6.Personal Loans to Match Your Financial Goals

What Is a Balance Transfer Loan?


A balance transfer loan is a personal loan that simplifies debt consolidation by letting LendingClub Bank pay some or all of your creditors for you. You choose which accounts are paid and how much of your new loan amount you want applied to each. Any funds remaining from your loan amount after your creditors are paid will be deposited directly into your bank account.


Join Over 4 Million Members Nationwide

        1.Borrow up to $40,000

        2.Quick and easy online application

        3.Eligibility based on credit history

        4.Receive money fast upon loan approval

        5.No prepayment fees

Financial well-being for everyone.


Everything we do is centered around empowering you to meet your personal financial goals by enabling access to a broad range of financial products, services, and educational resources, all designed to help you pay less when borrowing and earn more when saving.