LendingClub offers personal loans of up to 60.000€, with competitive fixed rates ranging from 7,04% to 35,99% APR. Loan terms are available from 24 to 84 months, providing flexibility for borrowers. An origination fee of 0,00% to 8,00% applies, depending on your credit profile. Once approved, funds can be sent within just 24 hours, making LendingClub an attractive choice for fast financing. No collateral is required, and the entire application is online.

Step by Step: How to Apply

1. Complete the online application in just minutes.
2. Review your personalized loan offers and choose your preferred rate and term.
3. Submit supporting documents (such as income information or bank details).
4. Wait for approval and final review.
5. Receive your funds directly to your account or sent to creditors within 24 hours after approval.

Key Advantages

One clear advantage of LendingClub’s personal loan is speed: approved applicants can get their money in as little as a day, which is ideal if you need funds quickly.

Fixed interest rates and clear payment schedules mean borrowers know exactly when their loan will be repaid. Flexible loan terms allow you to tailor your loan to fit your monthly budget.

Potential Drawbacks

Applicants with lower credit scores may face higher interest rates and fees, so your rate depends on your credit history. Additionally, an origination fee is charged, which can range up to 8% of the loan amount.

Availability may also be limited by state and country, so not everyone will be eligible.

Our Verdict

LendingClub is a solid option for those seeking a large, fast personal loan with flexible terms. The transparent offer process, fixed rates, and 24-hour funding make it appealing for people consolidating debt or needing quick cash.

Consider your credit score and the potential origination fee before applying. For most, LendingClub combines flexibility and speed for a competitive personal loan experience.