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LendingClub Reviews 10,116

TrustScore 4.5 out of 5

4.7

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the ease and speed of the loan process, highlighting the quick approval times and fast funding. Many reviewers mentioned that the company directly paid off their creditors, simplifying debt consolidation. Consumers also value the multiple term options, manageable monthly payments, and competitive interest rates. People consistently report a user-friendly experience, praising the straightforward application process and the absence of hidden costs. The ability to easily make extra payments without penalties is also appreciated. Customers express gratitude for the company's role in easing financial stress and improving their financial skills, with many stating they would recommend the service to others.

Based on these reviews

Rated 5 out of 5 stars

the application was easy, with approval fast. Funding came through much quicker than noted in the approval process, providing payoffs on credit cards and cash in hand to pay other bills. The rate... See more

Rated 5 out of 5 stars

Great loan comapny Awesome app Fast service Easy to navigate app and accurate information to distributed my fund to credit cards I feel peace in mind that I don’t have high interest credit... See more

Rated 5 out of 5 stars

Best experience I've had working with a loan company. Customer service is fast to reach someone on the phone. Lots of freedom on how to make payments and super easy and fast money distribution. Coming... See more

Rated 5 out of 5 stars

I have been with Lending Club through 2 loans and am now doing a 3rd loan. I'm very happy with my experiences. Fast approval, fast funding and great options for terms, interest rate and length of lo... See more

Rated 5 out of 5 stars

This is the most fast and easy loan application I had in my entire life. The online application was quick, easy , and very straightforward. The whole entire process was smooth from start to finish. I... See more

Rated 4 out of 5 stars

I applied for a loan after being offered it as I had paid down another loan 50%. Actually getting the loan was very easy. Part of the condition was I paid off another loan. After completing the appl... See more

Rated 1 out of 5 stars

deceptive email led me to believe I'd be paying off both my loans and receiving money back that I needed to build a new deck on my house since my current one falling apart. I was so upset to find out... See more

Rated 1 out of 5 stars

Initial upfront charge negates saving at lower interest rates. Its pretty smart actually. And the APP is horrible non user friendly to confuse you to paying more and being charged late fees is my exp... See more

Rated 5 out of 5 stars

Lending club exceeded my expectations!! I got a loan to consolidate my outstanding loan and credit card balances. My accounts were paid in full within a day or two. My interest rate is very good and... See more

Rated 5 out of 5 stars

The first time I received a loan from LendingClub was 2014. We have done business together for many years whe finances either got a little to tight or there was something special that we wanted to do.... See more

Rated 5 out of 5 stars

I was skeptical of trying any loans online but finally came across lendingclub and felt it was legitimate. Quick and easy application process and clearly laid out options. Fair rates based on where my... See more

Rated 5 out of 5 stars

I genuinely cannot believe how fast and easy it was to get approved and get the funds. I applied on a Friday with my phone during a lunch break. By Wednesday, 7 high interest credit cards had a $0 bal... See more

Rated 5 out of 5 stars

The process was outstanding, efficient, rapid, and seamless. You just answer a few questions, and that’s it. In a matter of minutes, you receive the approval. After that, it only takes 2 to 3 days to... See more

Rated 5 out of 5 stars

Lending Club Delivers Again ... Throughout the years Lending club has been and pulled through. I have borrowed money three times to reduce credit card debt, refinance my vehicle, or make other invest... See more

Rated 5 out of 5 stars

Fast easy to navigate application. I had my response immediately and funding just two business days later. No hidden costs or surprises. This is my third loan with Lending Club and there have never be... See more

Rated 5 out of 5 stars

The process was surprisingly simple. It was smooth. The only thing I did not like were the constant marketing communications AFTER I was approved. It became confusing. I thought LC was asking... See more

Rated 5 out of 5 stars

Easy loan process and quick response. Lendingclub has helped me in times when I needed to help my family. The personal loans have multiple term options and low payments. I am easily able to go online... See more

Rated 5 out of 5 stars

Every day, I receive so many offers from so many outlets And brokers, sad to say, most of them are nothing but loan sharks, LendingClub is a financial institution professional, easy to work with... See more

Rated 5 out of 5 stars

Requesting a loan through lending club is very easy. This is my second time consolidating debt using this service. Everything is handled online. There were no surprises and the payment will actually b... See more

Rated 5 out of 5 stars

This had to have been the quickest, easiest, and smoothest process ever. I was surprised to have gotten approved at first for a reasonable rate and then to have the funds released to the creditors and... See more

Rated 5 out of 5 stars

I was hesitant to get another loan and what the process would entail. Lending Club approved me within 1 day and then paid off all my creditors DIRECTLY! What a relief to have $0 balances for my 4 cre... See more

Rated 5 out of 5 stars

Second loan from LendingClub! I really appreciate the simplicity of the process - they don't over-complicate things. You make a request and they tell you what they can do and you find a happy place... See more

Rated 5 out of 5 stars

It's taken a while! Through Lending Club I have been able to payoff my credit card debt and improve my financial skills. Without a bailout program! They were all the help I needed. The kind of busines... See more

Rated 5 out of 5 stars

This was an easy process. Everything went smoothly. I am committed to being a lifetime customer with an impeccable payment history. I look forward to a lifetime financial relationship. Now... See more

Rated 5 out of 5 stars

Getting a loan through lending club is like purchasing a Tesla. You aren’t pressured into anything, you’re given tons of options that fit your needs, and you don’t feel like you’re being screwed over.... See more

Rated 5 out of 5 stars

Simple application process. Streamlined integration with my own bank and credit card services. A clear path to financial freedom unlocked- and I did it all in less time than I spend doom scrolling in... See more

Rated 5 out of 5 stars

I went thru Credit Karma for this personal loan at Lending Club and that made it so easy to get approved. Credit Karma has tremendously helped my husband and I increase our credit score over the last... See more

Rated 5 out of 5 stars

Fast reply to application. User friendly site , safe and secure one stop shop through my Experian account. No extra steps to unfreeze and freeze my credit. Pre approval status was helpful to know. O... See more

Rated 5 out of 5 stars

The reason why I keep going back to lending club because of the fact that they trust me that my Persian will paid off in timely manner. I had 2 previous loans with them n this is my 3rd loan that I c... See more

Rated 5 out of 5 stars

This was a very seamless process. I was given a great quote online through Credit Karma, and the terms are fantastic, and I feel incredibly confident I will get this loan paid off soon! LendingClub ca... See more

Rated 4 out of 5 stars

The process was relatively easy to follow as we did a coborrower application to pay down debt. We were always able to reach someone by phone with any questions. Agent also provided clarity when we n... See more

Rated 5 out of 5 stars

I applied for a small loan on a Sunday night. Within minutes I was approved. By Tuesday morning I had funds put in my bank account and the next day the two credit cards I wanted paid off were paid in... See more

Rated 5 out of 5 stars

The EASIEST loan experience I’ve ever had! Great rate and very fast disbursement of the funds. If you’re paying off cards, let them pay your creditors direct, they give you a better interest rate!... See more

Rated 5 out of 5 stars

I enjoyed working with you so much and that was without oral communication. I normally prefer phone or in person. Your process was easy and accurate. When I was approved for the loan the funds wer... See more

Rated 5 out of 5 stars

The process is easy prompt and thorough. Loan options are convenient in helping with the decision on which loan and payment agreement best meets my needs. I have worked with Lending Club for a number... See more

Rated 5 out of 5 stars

I was hesitant to apply for a loan thinking it would hurt my credit score. I read all of the fine print before I started the application. I made the decision to apply. The process was quick, less tha... See more

Rated 5 out of 5 stars

Lending Club made my loan experience so easy and convenient that it wasn't a matter of could, but should. Have your budget numbers and personal info ready, and the application process takes about 8 or... See more

Rated 5 out of 5 stars

I was apprehensive when starting this process for getting a personal loan. However, after going through the steps, it was very simple once everything was approved. I got emails within 48 hours that ev... See more

Rated 5 out of 5 stars

Lending Club has come through for me two times with an easy fact gathering request. This new loan will help me be able to make life easier faster. Was great experience last time with zero surprises an... See more

Rated 5 out of 5 stars

Very easy, like the offer of paying off a portion directly for me was done very quick. Do not like the high administrative fee that was not disclosed until a bit later in the application process. Fun... See more

Rated 5 out of 5 stars

Wonderful experience. No hidden fees, good interest rate and they kept me up to date on everything they were doing and I felt safe dealing with them. Would definitely recommend them to my friends. Th... See more

Rated 5 out of 5 stars

This is my 3rd loan with LendingClub. My experience with them has always been a pleasure to use them. Very easy process they let you know immediately, they show you your terms and sign loan documents.... See more


Company details

  1. Bank
  2. Financial Institution

About LendingClub

Written by the company

About LendingClub

Written by the company

LendingClub is reimagining what a bank can be by building our business around a simple belief: when our members win, we win. Leveraging innovative technology and engaging mobile-first experiences, our integrated suite of financial products helps people keep more of what they earn and earn more on what they save. Our 5+ million members love us for easy access to credit, plus checking and savings accounts that reward smart financial choices like on-time payments and consistent saving.

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Contact info

4.7

Excellent

TrustScore 4.5 out of 5

10K reviews

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Rated 5 out of 5 stars

Lending Club gets it!

Lending Club understands that the help we need is now, and easy to get!
The process is painless and allows us to manage our finances better! Thank you!

6 February 2026
Rated 5 out of 5 stars

Great

Got the funds I was looking for quickly until June then pay off, not being savvy to online process I figured it out, nice to have this available as needed.

6 February 2026
Rated 5 out of 5 stars

relief

it was easy. got fast approval. i love doing it all online without having to speak to someone personally. eadier process gor me

6 February 2026
Rated 5 out of 5 stars

Super easy!!

The process is super easy and extremely quick. My balances were paid off the following day and deposited into my account shortly after. Highly recommend if you are trying to consolidate credit card debt.

5 February 2026
Rated 2 out of 5 stars

The best egg account that I designated…

The best egg account that I designated to be paid off still hasn’t received payment. the automatic payment is still scheduled for next month and the account doesn’t reflect any activity other than past payments.

5 February 2026
Rated 1 out of 5 stars

What a disappointing ending

What a disappointing ending to what started as a great experience.

Last year, I applied for a loan through LendingClub and was approved almost immediately. The process was smooth, there were no issues, and I honestly had a great experience. I even recommended LendingClub to coworkers and others in my industry because of how easy everything was.

Fast forward to this January — I decided to use LendingClub again for some debt consolidation since the payment terms were going to be more affordable. With autopay in place, a strong personal credit score, and stable employment at the same company for over 11 years, I assumed this would be a straightforward process.

Unfortunately, that’s not how it played out.

The process started well, but then income verification became a repeated obstacle. I was asked to provide a recent pay stub, which I submitted (dated 1/14 and only about a week old at the time). It was denied with a note stating: “Pay stub must be no older than 14 days.” Confused, I resubmitted — denied again with the same message. This cycle repeated multiple times.

I called customer support, and the representative apologized and asked me to submit my final pay stub from 2025 so they would have a full year of data. I did exactly that — only for it to be denied again with the same “must be within last 14 days” message, even though that document was specifically requested by their team.

I continued submitting updated pay stubs, all clearly within the required timeframe, and each time received the same denial message. Finally, on my next payday, I submitted my pay stub dated January 28th — on January 28th — and it was still denied for being “older than 14 days.” At that point I called again, and the representative acknowledged the issue and asked me to submit a W-2 to finalize verification.

I submitted the W-2 as requested and then heard nothing for over a week. Today, I logged into the portal to check the status and saw that my loan application had been denied due to “Unable to verify income.”

This makes no sense. My income has not changed — in fact, I have received a raise since my previous approved loan — and LendingClub successfully verified my income during my first application.

Overall, this was an extremely frustrating and disappointing experience. I will secure the funds I need elsewhere, but I genuinely hoped I had found a lender I could build long-term trust with.

Do better, LendingClub.

11 February 2026
Unprompted review
Rated 5 out of 5 stars

Tlme

The time it took to apply and receive load was Excellent!

5 February 2026

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