Logo

How quickly can I get my TopUp loan?

If approved, you can receive your money in as little as 3 business days.*

*Between April 1, 2024 to June 30, 2024, Personal Loans issued by LendingClub Bank were funded within 35 hours after loan approval, on average. 45% of Personal Loans issued by LendingClub Bank during the same period were funded within 24 hours after loan approval. Loan approval, and the time it takes to issue a credit decision, are not guaranteed and individual results vary based on creditworthiness and other factors, including but not limited to investor demand.

Keep more of what you earn and earn more on what you save.
Check your rate. It won’t impact your credit score.2
Keep more of what you earn and earn more on what you save. Privacy & Security

LendingClub Resources

Related Articles
What is car refinancing & how does it work?
Auto loan refinancing is when you use a new car loan to pay down your old loan—often with a lower monthly payment or interest rate. 
Auto Refinance
Apr 7, 2025
7 min read
Girl learns how to refinance a car and save money
What is debt consolidation?
Debt consolidation is a debt management strategy that uses methods like a debt consolidation loan to combine multiple debts into an easy-to-manage monthly payment—usually with a lower interest rate.[1]
Personal Loan
Apr 6, 2025
7 min read
rc debtconsolidation hero
Can allowances help kids build smart financial habits?
Allowances are common in the U.S., but it’s important to weigh out the pros and cons before giving your kids an allowance.
Personal Finance
Apr 5, 2025
4 min read
Family decides on how to structure an allowance for kids
7 Financial lessons every teen needs to know
A growing number of school districts are adding financial literacy to the high school curriculum with the goal of increasing teen’s financial skills. Do you remember learning about money?
Personal Finance
Apr 2, 2025
7 min read
Financial Lessons Every High School Student Should Learn Before They Graduate
7 ways to practice self-care on a budget
Self-care doesn't have to be expensive. Here are some creative, low-cost strategies to boost your mental well-being.
Personal Finance
Apr 1, 2025
6 min read
10 Tips for Saving Money on Your Health and Wellness
Related FAQ's
How can I use my TopUp loan?
TopUp FAQ
Dec 31, 1969
less than a minute read
Am I required to take out extra cash?
Yes, the TopUp™ loan requires a minimum extra cash amount for each new loan request.
TopUp FAQ
Dec 31, 1969
less than a minute read
How much can I borrow?
Your maximum borrowing amount is based on your current loan's balance and your individual credit profile.
TopUp FAQ
Dec 31, 1969
less than a minute read
What is a TopUp loan?
TopUp FAQ
Dec 31, 1969
less than a minute read
Are there any fees?
TopUp FAQ
Dec 31, 1969
less than a minute read
Related Glossary
Revolving Credit
{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.
R Letter Term
Sep 6, 2023
4 min read
Annual Percentage Rate (APR)
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
A Letter Term
Mar 21, 2023
3 min read
Accrued Interest
{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment. 
A Letter Term
Mar 21, 2023
4 min read
Charge-Off
A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.
C Letter Term
Feb 7, 2023
3 min read
Fixed Interest Rate
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
F Letter Term
Feb 4, 2023
3 min read

WHAT WE OFFER

Personal LoansPersonal BankingAuto RefinancingPatient SolutionsBusiness LoansInstitutional InvestingOther Types of LoansApply for a Personal LoanApply for a Bank Account

RESOURCES

Resource CenterPersonal Loan Rates & FeesMember BenefitsCustomer ReviewsGlossary

LEGAL

Terms of UsePrivacy PolicyData Collection and UseAccessibilitySEC FilingDisclosures and AgreementsLegal RequestsLicenses

ABOUT US

CRA Public FileCompanyLeadershipCareersMedia CenterCorporate GovernanceInvestor RelationsContact

ACCOUNT

Sign InMobile AppHelpPrivacy ChoicesYour Privacy Choices

Powered by the LCTM platform

LC Logo
Apple App Store IconGoogle Play Store Icon
LC logo

595 Market Street, Suite 200

San Francisco, California 94105

If you have special access needs and are having problems accessing this website, please call 888-596-3157.
Equal Housing Lender
accredited-business
verify-sign