Applying for a personal loan through us is fast, easy, and confidential. To apply for a joint loan with someone else:
- Check your rate at lendingclub.com.
In just a few minutes, you can see what the two of you qualify for without affecting your credit score.*
- Select Joint for the Application Type.
Enter information about both yourself and the co-borrower.
- Choose your offer.
If the two of you qualify, you'll receive multiple loan offers. Simply pick the one you both like best.
- Complete the online application.
You’ll provide information about both of you so we can review your application.
- Confirm your information.
Your To-Do List shows what else you’ll need to do to complete your application. You may be asked to upload documents to help confirm your identity, income, or employment. No need to send anything you haven’t been asked for—extra documents can delay your application.
- Hold tight!
We'll review your application and find investors to back your loan. You’ll get emails updating you along the way. You can also visit your account any time to see the progress on your loan.
- Receive your loan.
Once your loan is approved and backed by investors, it will be deposited into your bank account within 4 business days.
The whole application, approval, and funding process can take as little as a week. Sometimes, it can take a little longer.
Once a joint application is approved, each borrower and co-borrower are fully obligated to repay the loan.
*Checking your rate generates a soft credit inquiry, which is visible only to you. A hard credit inquiry that may affect your credit score only appears when your loan is issued.