Applying for a loan is fast, easy, and confidential.
- Check your rate at LendingClub.com.
In just a few minutes, you can see what you qualify for without affecting your credit score.*
In some cases, adding a co-borrower can help you qualify for a better rate. If you want to apply jointly, simply click Add a Co-Borrower on the application page to start a joint application.
- Choose your offer.
You'll get multiple loan offers if you qualify. Choose the one that works best for you.
- Finish the online application.
To wrap up your application, you’ll need to submit a few things. You’ll provide information like your address and Social Security number. You may also be asked to submit some income and employment documents.
- Confirm your information.
Your To-Do List shows the tasks you have left to finish your application. Wrap those up, and you’ll be on your way!
- Hold tight while we review your application.
You can visit your account any time to check on your loan’s progress.
- Get your cash.
Once your loan is approved and backed by investors, your money is sent to your bank account within four business days.
For a majority of people in 2018, funds were received in as few as four days. The time it takes for your loan to be funded may vary.
*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 you loan is issued.