lendingclub.com

4.8
4.8 Based on 366 reviews

...

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Kamakshi Prajapati
Many 5-star reviews come from people using the "Direct Pay" feature, where LendingClub pays off cred

Many 5-star reviews come from people using the "Direct Pay" feature, where LendingClub pays off credit cards directly. Users note this often results in a lower interest rate than their previous cards.
​A significant number of reviewers mention they are on their second or third loan, citing "no hidden surprises."
​Users appreciate being able to see their rate and offer without a "hard hit" to their credit score initially.

4
Date of experience: Mar 11, 2026

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