Debt Consolidation



About LendingClub

LendingClub is an online lender offering personal loans, including one specifically for debt consolidation, to borrowers with credit scores of 600 and above.

LendingClub loans have limited term lengths, you can choose from two options: 36 months or 50 months but they do allow for a co-borrower to help you qualify for a lower rate.


Loan Amount
$1,000 to $40,000
Interest Rate
Loan terms
36 or 60 months
Years in Business
Since 2006
BBB Rating

Editorial Rating


“LendingClub offers personal and debt consolidation loans, for borrowers with fair credit scores above 600.”

Benefits and Features

Minimum credit score: 600
Loans funded in one week
Payment date flexibility
Get a lower rate with a co-borrower
Available in all 50 states
Online application and approval


  • Offers joint loan options
  • Offers direct payment to creditors with debt consolidation loans.
  • Soft credit check with pre-qualification
  • Offers direct payment to creditors for consolidation loans
  • Allows borrowers to choose and change payment dates


  • No mobile app
  • Minimum Credit Score: 600
  • Only two repayment term options
  • Charges an origination fee
  • No rate discount for autopayments
Lending Club logo

Contact is not a provider of debt consolidation or resolution. Ratings that appear on this site are determined by our subjective opinion and are based on an analysis that aggregates a company’s reputation, services, general consumer interest, fees and features. Listings that appear on this site are not endorsements.