- Joint loan option
- Direct payment to creditors with debt consolidation loans
- Option to pre-qualify with a soft credit check
- Option to change your payment date
- Fast funding
- Origination fee
- No mobile app to manage loan
- Limited term lengths
Minimum credit score: 600; average borrower score is above 700
Minimum income: None; lender requires proof of income. Borrower average is $100,000 per year
Maximum DTI: 40%
Minimum credit history: 36 months and two accounts
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San Francisco
California
94105
United States
LendingClub is a digital marketplace that offers totally branchless banking and personal loans between $1,000 and $40,000. The fintech company works with a network of investors, or peer-to-peer lenders, and connects them with consumers. Borrowers can choose from two loan terms—36 or 60 months. Eligibility requirements are less stringent than those imposed by some other lenders, making it a good option for borrowers with fair to good credit.
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