How Do I Get a Loan?

Applying for a lending product is fast, easy, and confidential. Here’s what that process looks like from start to finish:

1. Check your rate at LendingClub.com. In just a few minutes, you can see what you qualify for without affecting your credit score.*
   
   Looking for a better rate? Adding a co-borrower could help. Learn more about joint applications.

2. Choose your offer. You'll get multiple loan offers if you qualify, so choose the one that works best for you.

3. Finish the online application. Confirm your information and review your To-Do List for any outstanding items.

4. Hold tight while we review your application. Sign into your Member Center anytime to check on your loan’s progress.

5. Get your cash. If your information is verified and your loan is funded, we'll deposit the money directly into your linked account. It may take a few days for the funds to reach your account, but keep in mind that interest will start to accrue as soon as the loan is issued.
   
   If you went with a balance transfer loan, we’ll pay your creditors and then deposit any additional funds into your linked bank account.

* Checking your rate generates a soft credit inquiry, 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 when a credit account is opened in your name.