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People also ask
Is LendingClub a scam or legit?
When it comes to LendingClub, there are two very strong opinions: it鈥檚 either a scam or it鈥檚 legitimate. So which is it? In this LendingClub review, we鈥檒l take an in-depth look at the company and try to answer that question.
What is LendingClub and how does it work?
Obviously, LendingClub loans have caught on because it鈥檚 the largest online lender for personal loans in the United States, with more than $35.9-billion in loans since the company was founded in 2007. LendingClub accounted for $8.987 billion in loans in 2017.
Is LendingClub good for fair credit?
LendingClub鈥檚 personal loans are a fit for fair-credit borrowers looking to consolidate debt or finance large purchases. Though not the lowest-cost loan out there, LendingClub offers borrowers flexible payments, and it’s transparent about rates and fees.
How long do LendingClub loans last?
There鈥檚 a monthly repayment schedule that stretches over three to five years (36-60 monthly payments). LendingClub loans are generally pursued by borrowers with good-to-excellent credit (scores average 700) and a low debt-to-income ratio (the average is 12%).