Applying for a loan through LendingClub 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 when you apply for an individual loan, we may recommend that you add a co-borrower, which may help you qualify. If this is the case for you, simply click Add a Co-Borrower on the application page, and proceed with a joint application.
- Choose your offer.
If you qualify, you'll receive multiple loan offers. Select the one you like best.
- Complete the online application.
We ask for information about your income and employment, as well as information that helps us identify you, such as your address and Social Security Number.
- Verify your information.
Your personal To-Do List shows the tasks we need you to complete, such as confirming your email address so we can communicate with you about your loan. In some cases, we may also ask questions or request documents that help us verify your identity, income, or employment.
- Hold tight while we review your application and find investors to back your loan.
You can 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, your loan 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. At most, it can take up to 45 days, but that is rare.