LendingClub Debt Consolidation Loan Review
Debt Consolidation Loan from LendingClub - see full info about rates, terms, credit score.
Updated May 04, 2026
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APR Range
5.96 - 35.99%
Amount
up to $60,000
Term
up to 84 months
Minimum credit score:
Poor (300-579)
No early payoff penalty
See full info about rates in different states
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- Loan purpose:Debt Consolidation Loan
- Bank:
- Credit Level:Poor (300-579)
- When funds are available:1 business day.
Fees
- Origination fee8%
- Late fee$15
- Returned check fees$15
Pros & Cons
Pros:
- Quick, easy online application
- Fast funding
Cons:
- Origination fee
Rates
Rates
5.96 - 35.99%
Term
24 - 84 months
Loan Amount
$1,000 - $60,000
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
View all Rates & Fees Requirements
- What you need to get approved (Qualifications)FICO® score 600 or higher.
- Requirements Description
- Personal information (Name, Address, Phone Number, Date of Birth, Social Security Number)
- Income Particulars (Income Type, Pay Method, Pay Frequency, Monthly Income)
- Banking Details (Account Type, Account & Routing Numbers, Age of Account)
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Description
LendingClub offers loans of $1,000 to $60,000.
The APR range is from 5.96% to 35.99%. Loan terms are available for 24 or 84 months.
LendingClub charges an origination fee of 0.0% to 8.0% on personal loans.
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