LendingClub

I did a conventional loan through the internet, and the process with LendingClub was a lot easier. There was another company that didn’t have the fee at all, but their process of applying for a loan was way too lengthy. There were too many questions, and I didn't have too much time for that at the moment. If I had the time, I would have gone with them to avoid paying the fee. The process with LendingClub took a little longer than 24 hours, but they were all right, and if I had to do it all over again, I’ll give them a second chance. I have two loans and I would have to call them to find out if I could just put them together instead of having separate. Other than that, I'm satisfied so far.

Trying to find a personal loan to help me consolidate my cc debt was extremely frustrating and stress inducing. So many preapproval messages getting you excited to get out of this hole but once you start the process that 10% apr preapproval for 13k turns out to be 28% for 4500…It felt like I was just going to have to let my credit get destroyed and just ride out having maxed out cards. Then comes LendingClub. Their preapproval process was legit, the rates were what they initially stated and the whole thing from start to finish was incredibly simple. The money was sent to my cc accounts in less than a week.

LendingClub got me out of a jam. What I did for me helped me. It was easy, fast, and simple. I did it through the website and I called. Go ahead and do it, if you need to and you're responsible enough to make payments on time. Because you're getting out of a jam to pay another one, but it's not as frustrating. I'm paying 10 cards a month. My daughter was a little higher because of her credit limit. I should have done a higher limit and got rid of the last four cards that I have.

LendingClub approved me and their interest rate and everything else worked way better for me. The application process was simple and easy. It took me more than 5 to 10 minutes, just because I had to look for some information. Everything was done online and the LendingClub website was easy to use. They didn't give me an issue and they didn't have me restart anything. I filled out the application and in a couple of seconds, I was approved. That worked out pretty well. The rates I got worked for me as well and it wasn't too high. This is my first time doing a personal loan and I had a good experience. LendingClub helped me, even though I didn't think I would be approved.

Origination fees and a bit higher interest rates are not ideal... However, as a disabled veteran on a fixed income who has been trying to fix their credit, in part, resulting from several years worth of bad financial advice and a failed legal/advocacy system - LendingClub has been a godsend. They give folks who are reasonable with their money a chance to recover and get ahead when other institutions wouldn't - over trivial things that negatively impacted their credit score years ago, when it necessarily shouldn't have. The process is transparent, simple, and quick. So much so, I had to call to make sure I was approved because it seemed too good to be true, and too easy.

Integrity poor! My account went past due (roughly $17K - not accurate) and sought out help in negotiating a settlement. But successfully there was a reached upon agreement for a lesser amount for $8K (not accurate). I made consistent payments towards the agreement on the now established amount of $8K for over a year. Then also successfully I re-financed my home and tapped into my equity. Through the mortgage dealings, my debts were implemented to pay them off. The bank (mortgage) issued checks to deal with those accounts. However through policy I guess the company couldn't acknowledge the debt settlement as that agreement was between my agency and the account. So in other words, the bank (mortgage) issued checks in the original amount of my accounts. I sent out the checks to various companies with the understanding that overpayment funds would be sent to me.

The process with LendingClub was so easy that I didn't even have to work with any of the representatives. It was seamless. Everything was done online and there were no hassles. The rate was competitive with the other rates that I got. I would recommend LendingClub.

I did the credit card consolidation and they paid off several high-interest credit cards I had. Now, I'm making one monthly payment to them. The application process was pretty simple. It was all online. I received emails about processing and I could check my status online. I had a very positive experience overall.

My loan was quick and easy to get. No paperwork, the payments came auto-pay out of my account. However, I fell into a hardship and got behind only one payment of 41.00. They have literally called my phone 5 times a day for a past payment of 41.00, even calling my job, absolutely ridiculous!!! My thing is if the person is making the payments on time every month and be a few days late, give them some time. You never know what people are going through. I can't wait to be done with this loan.

I did a debt consolidation with LendingClub and it was all online. The website was self-explanatory. I was not happy with the rate but it was the best I could find. I would consider a better APR. LendingClub seems reliable but people should still check around for the best deal on rate and terms.