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 complete your verifications. Once you wrap those us, we'll use our marketplace to look for funding for your loan, and then 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.
If your information is verified and your loan is funded, the money is typically sent to your bank account in just 2–4 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.