Applying for a personal loan through LendingClub 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 you qualify for without affecting your credit score.
- As you begin the online application, select Joint for the Application Type.
Enter information about both yourself and the co-borrower.
- Choose your offer.
If you qualify, you'll receive multiple loan offers. Select the one you like best.
- Complete the online application with information about yourself and the co-borrower.
We need complete information about both of you, including your Social Security numbers, to evaluate your application.
- Verify your information.
Your To-Do List shows what tasks you need to complete. In some cases, we may ask for documents or information to help us verify your identity, income, or employment. If we need anything from you or your co-borrower, you’ll see a request in your To-Do List. No need to send anything we haven’t asked for—extra documents can delay your application review.
- Hold tight while we review your application and find investors to back your loan.
We'll email you with any updates on your loan. You can also visit your Account Summary any time to see the progress on your loan.
- Receive your loan.
Once your loan is approved and backed by investors, it will be automatically deposited into your verified bank account within four 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 co-borrower is fully obligated to repay the loan.