LendingClub
San Francisco, CA Founded 2006· Personal Loans
Established personal loan provider. Origination fees can be substantial. Good fit for debt consolidation if the rate beats your existing debt.
Recommendation
Compare Carefully
Trust
74
Predatory Risk
72
Lower is safer
Sentiment
64
Complaints
66
Lower is better
Fee Transparency
76
APR Range
8.98% – 35.99%
Loan amounts
$1,000 – $40,000
Term
24–60 months
Red flags
- Origination fee 3–8% deducted up front
- APR jumps quickly for fair credit
Positive signals
- Joint applications allowed
- Direct payment to creditors for consolidation
AI Summary
Based on 7,390 reviews and 523 complaints, LendingClub demonstrates above-average transparency. Borrower complaints are primarily about "Origination Fee". We recommend you compare carefully.
What borrowers say
Tom H.2025-05-12
★★★★☆
"Consolidated four cards into one payment. Saved real money."
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