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. Please note that the co-applicant may need to provide consent and complete other tasks on their own. They will receive an email with specific instructions if that is required. 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 either LendingClub Bank will fund the loan, or we’ll find investors to back it. 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 loan rate generates a soft credit inquiry on your credit report, which is visible only to you. A hard credit inquiry, which is visible to you and others, and which may affect your credit score, only appears on your credit report if and when a loan is issued to you. Your loan APR will depend upon your credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and your credit usage and history.
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