, productivity didn't just dip—it evaporated. Within minutes, the breakroom was a hive of nervous energy. "Don't click it," warned Sarah, the Lead UX Designer. "It’s clearly a phishing test from IT. They’re trying to catch us slackers."
Checking, savings and CD accounts subject to approval, which may include credit approval. No minimum opening deposit required for LevelUp Checking or LevelUp Savings. $500 minimum opening deposit required for CDs. Please see Product Terms & Conditions for additional product details. Visit our Help Center for additional information.
For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and/or through all application channels or platforms.
Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, term length, and making payments as agreed.
Checking a rate through us generates a soft inquiry on a person’s credit report, which does not impact that person’s credit score. A hard credit inquiry, which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person.
The APR discounted rate is a discount that some customers may receive for taking out a loan to pay down existing qualifying debt paid directly by LendingClub; such rate is discounted from the rate given for taking a full cash loan. Not all applicants will qualify for the discount. Any actual discount rate will be determined at the time of application. The best APR discounts may be available to borrowers with excellent credit. Advertised discounted rates are subject to change without notice.
Standard data and message rates may apply to Mobile Banking services. This includes the use of LendingClub Mobile, LendingClub Commercial, and other services. Android is a trademark of Google LLC. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.
Between July 2025 to December 2025, 58% of LendingClub Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.
Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/lendingclub.com. This is one person's experience. Individual results may vary.
