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LendingClub personal loan

Not financial advice. Published ranges from each lender's own page with the date we read it; your offer depends on credit, income and state. No lender pays for inclusion or rank.

Rubric score 59.0%

• APR5.96%–35.99% lendingclub.com, 2026-10-12
• Origination fee0%–8% lendingclub.com, 2026-10-12
• Terms24 months–84 months lendingclub.com, 2026-10-12
• Loan amounts$1,000–$75,000 lendingclub.com, 2026-10-12
• Minimum credit scorenot published (not found) lendingclub.com, 2026-10-12

Note: APR range not found on page; page references Happen Bank

APR 5.96%–35.99%; origination/processing fee 0%–8%: official page (as of 2026-10-12)

Complaint record (CFPB)

• Complaints, last 12 months0
• Trendnot enough data
• Timely response (last 36 mo)None%
• Top issuenot found
• Insurance statusFDIC-insured: Happen Bank, National Association (cert 32551, active; deposits $10.9B as of 06/30/2026)

Company-level (Lending Club Corp), all products, as of 2026-10-12. LendingClub / Happen Bank complaints: full record → Shown for context; does not change the score.

Score breakdown

• Lowest advertised APR 10/10Lowest APR 5.96%. Score = 16 − APR, 0–10 (6% → 10).
• Highest APR (worst case) 0.0/10Max APR 35.99%. Score = (36 − max)/1.6, 0–10.
• Origination fee (max) 2/10Origination fee up to 8%. Score = 10 − max fee %.
• Term range 10/10Terms 24–84 months. Score = span/6 months, max 10.
• Max loan amount 7.5/10Up to $75,000. Score = max/$10k, max 10.

0.200×10 + 0.200×0.0 + 0.200×2 + 0.200×10 + 0.200×7.5 = 5.90 → 59.0%

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FAQ

What APR does LendingClub charge?

5.96%–35.99% lendingclub.com, 2026-10-12

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.