Happen Bank Reviews

I looked into paying off my CC debt accumulated in a startup run at hopefully a lower interest rate. Imagine my surprise when Lending Club wanted over 20% interest for this. That is higher than some of the cards I am paying off! True my credit rating is only fair right now due to the high % usage of my available credit but still, this is basically usury. Especially when I had a Lending Club loan in the past which I completely paid off ahead of schedule.

Representative assured me that the lender I was trying to bbn pay off was conducting business under another name. Told him I did not want to responsible if anything went wrong. He told me not to worry. Payment sent was cashed supposedly. I have contacted that creditor, they do not have any record of the payment. Lending Club is not coming with a solution, it has been three weeks since the start of the nightmare. Nobody I have spoke to from Lending Club has the bbn power to do anything. They have the "higher ups" that no one can talk to. But I have to start making my monthly payments to the Lending Club on time because if I do not I get charged a late fee and reported to the credit bureau. DO NOT MAKE THE SAME MISTAKE I MADE AND AVOID LENDING CLUB. I THINK THEY A BRANCH OF LENDING TREE.

We applied for a debt consolidation loan and within minutes we heard from several competing banks and we chose the one that best fit our needs. Within a couple days we received our funds. Incredibly easy.

I looked into a loan with Lending Club on a Saturday evening. I filled out the application, got a congratulations response, was all set to get my loan. The following day, on a Sunday, I decided I needed to wait until after I moved to get my loan. I went back in line, into my account to withdraw my application. Done right?! Wrong!! The following day, Monday, I was working on the East Coast then went immediately to the airport to fly home. I didn’t get home until close to midnight that night. The following morning, I had an email from Lending Club saying that my funds had been sent. I immediately called to say that I had withdrawn my application and was told that you have to speak to someone in person to withdraw an application!!! So you’ll give me $30,000 without speaking to me but if I want to withdraw the application, I have to speak to a person!!

First off I did get the money I needed. The process was quick and easy. However, it was a bait and switch. The rate shown on lending tree tree was 10% but the actual rate was 15.9%. When I called Lending Club they “apologized”. WTF? That’s not right but I had approved everything already so I feel screwed over. I’m happy I got the cash I needed but upset I’m paying an extra 6% on the loan. I’m very disappointed.

I applied for a loan on July 22nd, 2019 as the borrower (Oscar **.) with a co-borrower (Moses **.). A loan #** was generated and given, which including both the borrower and co-borrower to uploading documents into the to-do-list on their website (http://www.lendingclub.com), which we completed. Everything was confirmed within 3-5 business days. If anything was needed we would be contacted by email @ **. They never contacted us within the time frame. So I called for status of the loan #**, I was told that the co-borrower must call too for status. That was done on July 29th, 2019.

I could not have ask for better service or faster response than what I received from all that I dealt with during the process of getting the loan. When everything was completed, I had the money in my account on Friday morning. I didn't start the loan application until Wednesday. I am very pleased at how quickly they work. Thank you. Carol

Lending Club is so easy to work with! I received a loan to pay off my high interest credit cards, Lending Club paid them directly saving me time and alot of money! Their customer service is great and easy to get ahold of as well. If you took out a high interest loan and find yourself drowning in payments that are going all towards interest like I did, this is a great option. Definitely recommend.

If you're thinking about getting a loan from this company think again. High APR’s and this is after putting you through hoops over and over again. Over two weeks of sending them information including tax returns, they wasted so much of my time. You can get much better rates from many other places.

I can recommend Lending Club to all your financial needs. The process for my credit card consolidation was painless and fast and everything was do it online. No gimmicks or false promises, the rate and terms that I was told from the beginning still until my loan was funded.

Very unimpressed with this company. SPAMMED me with a pre-approval offer that never happened. Seems Lending Club, should be called lost club instead. This company COULD NOT get past the fact my rent includes my electric bill. Insisted I must have a power bill, which I do not!! After five attempts to explain this, they agreed, it must be included. I had just hung the phone after fifth time up and I get an email that I need to supply my power bill,,,round and around and around we go!!! Talked to six different people, and every time, we had to start over, nobody knew what was going on with my loan??? I finally just pulled the plug on this dysfunctional group of clowns, accomplished nothing!!! I gave up on the merry-go-round and just stopped talking to them. BE WARNED, pre-approval is a come on SCAM!!! I have perfect credit with ZERO dings, 750++. Lending club told me I had too many defaults??? LMAO!!!!

The process of applying for the loan that I wanted was very easy. All I had to do was to fill in a little bit of personal information and then list the debts that I wanted to pay off and it couldn’t be easier. I had a little trouble with the listing of one of my debts, but I called them up on the phone and they answered my questions and got me back on track so I could finish my loan application. I would definitely recommend Lending Club for your loan needs.

I applied yesterday morning for a $40,000 loan at 6am eastern time. I did all the verifications they requested. Emails both work and personal. Bank account links etc. I logged back on a few hours later and found out I was approved at a 6% rate. I know I have a high credit score with zero late payments and a very high balance in my checking account. I guess they took all this into consideration and approved me instantly. I did this loan to pay off 0% credit cards that will expire soon and go to 22%. I could have paid it off myself out of my checking account but decided to do this loan to keep my credit active.

So far so good. Just waiting for funds to deposit to my account. I am sure all will be fine. We will see when there are question as we go forward. They seem to be very ok it when speaking to them on the phone. Hopefully it stays that way.

I was skeptical at first because I came across LendingTree by a sponsored IG Story. After filling out some of the prompts they asked you, everything was easy going from there. I did not experience all the negative things people were posting. I submitted my application to Lending Club Tuesday evening, got a message that I had to confirm my email address, approved within 5-10 mins (because I kept refreshing status), received an email about my approval Wednesday (even though I already knew since Tuesday), received another email that my funds were released to my bank, and by Thursday 6:30 am, my direct deposit was in my account.

Fast and easy to get a loan to pay off debit cards that have a high interest rate. I applied for a loan and got my answer quickly. Just a few easy steps and entered my credit cards and amount and they took care of the rest.

Applied on Wednesday and I received loan documents same day. I signed off on them and submitted. I was kept informed by email all throughout the process. I received my confirmation email on Monday and the funds were deposited that night. I also took advantage of letting Lending Club process and pay off some of my credit cards with some of my loan. Easy and convenient. Now all I have to do is bank pay the rest of them and boom. It is all taken care of. Thanks lending club for giving me the opportunity to pay off my credit card debt and finally get back on track with one easy monthly payment and a reasonable Interest rate.

I asked for a loan of $12,000 and was immediately pre-approved for up top $19,000. I answered all questions accurately, and they approved the loan for $12,000, although conditions were a bit high $500 off the loan plus 15% interest. However, I should be able to pay more than the minimum and that reduces the interest payments.

Avoid receiving calls from them and others like them. They are predators. Also USA Loan Network. I was victimized by them both as I read other reviews. I was catch up with same scam. With my account details as well. Now I'm out of 1200.00 because of fraud on their part. And I bank is acting as if I was a part of it as well. American people we all need to find the solution to this problem. Where can we voice our concerns?

I was approved on June 26. I was told they would pay off my current car loan within 15 business days. It's been 15 days and my prior car loan finance company has not received their check/payoff yet and they are adding fees to my account daily. BEWARE as the pay off process takes forever! And when you call Lending Club customer service and explain this, or state they need to change your first payment due date....they are not understanding whatsoever!

The entire process from searching for a loan on LendingTree to being approved by Lending Club was quick and easy. They were upfront with the rates and terms of the loan and in their communication with me. Highly recommend both Lending Tree and Lending Club.

Started off ok. I thought I’ll give it a try after many letters offering preapproved loan. I signed in on computer and instead of the 1800 they said I qualify for 1000 which boils down to 940 or so after they take a cut. I’m ok with it so I start giving all my information and when I’m done they email me saying they need more and then more and then yet more! This dragged on for about 2 weeks and I called them twice. The calls were usually much better than the daily emails wanting more. I finally asked them to just submit this. I wasn’t going to send anything else. By this time I don’t really need the loan nor want to deal with them. It was a bad experience and too bad because I was considering also investing in the future. I’m sorry I wasted my time.

Applied for a personal loan with Lending Club and without going through a long drawn out approval process my loan was approved within 24hrs. The funds were deposited into my checking account within 48hrs. Great experience with Lending Club!

I applied for a loan with my brother. We have been made to resend documents to Lending Club over and over and over again. We have contacted them by phone and online to find out what they require which we deliver immediately. Whoever we talk to, including supervisors and staff from the loan cancellation department, lies to us about where the loan process is. We have been told that it has cleared the application process and has been sent to the lender for approval. Then today (July 12 - nearly a month after applying for the loan), we were told that was not true and that it had not gone past the initial process from the day we applied for it.

I have had a loan with them for over 2 years and when I call to make a payment without my authorization they go ahead and start automatic payments, really causes problems, mostly if you are not expecting it, stay away from this lender...

I was a personal banker before my current position and my boyfriend is a banker now. We know there are a lot of scams out there and had a meeting with my bank all scheduled, but I recently found out that, when applying for loans, you can apply to as many places you want within a 45 day period and it will only count as one hit on your credit score (you'll want to wait at least 3 months before applying for something new after you've accepted a loan).

From the time I applied for a consolidation loan it was really easy and the customer service was excellent. I had my funds in the bank in 3 days, awesome. I would recommend LendingClub for your loan needs, great payments and locked rates.

My experience was excellent and easy to work with Lending Club. I have nothing but good things to say about how quick the response was about my needs. Thank you Lending Club. You earned one more customer and many referrals.

They robbers. Don’t deal with them. They will take advantage of you, charge you finance charge like crazy Every month. Make sure you know what you are signing up for. Instead of changing my plan to 24 months no interest they gave me a lot of **. ** them.

Entered application with Info. They gave me the chance no one else did without raping me. This is is unheard of nowadays. Most companies bring your credit score down that you took years to nurture and then they have the audacity of saying you don't qualify.

I have never experienced such a fast process. The money was disbursed to my creditors within 24 hours. The process was fast and not a lot of questions. I recommend Lending Club because their interest rates are fair and non-predatory. The loans is calculated on simple interest and they explained this with ease. I am very pleased with the amount and term of my loan. The payments are lower than what I anticipated. Thank you LendingTree and Lending Club.

I just wanted to pay off a loan early from Lending Club. Nearly every company in the business of lending has figured out how to do this. Not Lending Club. There is no place on their website to pay off a loan early. If you try to make an extra payment based on the unpaid principal balance (UPB), it will be imprecise and therefore inadequate. I learned this later. When I double checked on upcoming payments, I noticed Lending Club through WEBBANK had incorrect duplicate payments. I called Lending Club to fix it from their side, but they were unable to stop unauthorized payments. They withdrew about $6,500 from my checking account, through I owed less than half of that amount.

I invested $800 into Lending Club loans 2 years ago, a total of 32 loans. Since then, 11 loans have been written off. $720 has been paid back, and if I add in the principal and interest due me one year from now, I will have made $812 total, or 1.5% total over a period of 3 years, or 0.5% a year. Wish I had put that money into the stock market or even bonds, would have made 10x as much.

I wanted to consolidate my credit card debt and applied through LendingTree. After providing them with the necessary information, they provided a number of different lenders whose rates, terms and loan amounts offered me various options. I selected Lending Club whose rate, term and loan amount suited my needs the best. The process was simple, although the loan application was not finally approved for several days. It was only when I received an email confirming that the funds had been disbursed to the various credit card companies that I knew that the loan had been approved. All in all, the process was very simple and accomplished my objective.

It was most definitely the quickest process I’ve ever had in obtaining a loan, I have even filled out a application for a refinance of my car at a lower note per month and was approved at $259.00 a month from what I was paying at $337.00, the money I saved will pay my monthly note on a $1500.00 I just got from Lending Club :-) and with an extra $20 a month. Great Job Lending Club. Rick

My loan application was simple and easy to complete. My application was quickly approved for the amount I requested, and the funds were disbursed in a timely manner. I highly recommend using Lending Club.

I needed to get out from under high APR's! I applied on a Sunday, was approved on Monday and Tuesday morning my requested loan amount was in my bank! I'm still in shock and so happy. Wish had I done this earlier! The process was easy and clear about fees etc. Overall with the low APR I received, I'm in a better position paying off my credit card debt with Lending Club!

I contacted Lending Club to alter my payment due date which they allegedly took care of. No problem. Unfortunately they didn't alter the payment and threw my finances into chaos. Although LC admitted to their error they were horrible in actually getting a solution. I was transferred to the "payment solutions" department and I am still trying to understand how the word "solution" got into the title of the department. I spoke with 6 different people in this department and each time the story I was told about why LC was so slow to help me despite admitting to fault changed.

I never use personal loan before, but I wanted to pay off credit card debt as soon as possible. Whole process was so fast & easy. And great APR! I definitely recommend to someone who paying high rate APR of credit card debt.

Excellent service. Was simple, easy step by step process. Had my loan approved within a couple of days and money was in my account within 4 days. Will be recommending this company to everyone. Check them out first. You won't be disappointed.

This is the second time I've used Lending Club. The approval is fast and money is deposit quickly in my account. Goodbye credit card debt! I would use this company again if need be. They treat you fairly and there is no penalty if you pay the loan off early.

I filled out the loan application in a short time and had my answer back relatively fast. The money was put in my account. Within 36 hours which they said it would take up to 4 days. I was surprised to see it in my account so fast but it was very nice to see them work so quickly. Thank you Lending Club.

Was looking for a credit card consolidation loan and felt Lending Club was so fast and easy! Had funds in a couple of days. Everything done online. Best no-hassle loan experience I have ever had. Customer service very professional too for any questions! Thank you!

My experience with Lending Club was great. I selected the loan amount and interest rate that I wanted and bam! Submitted it. I was pre-approved in just a couple of minutes. The final decision came in a day later, and my funds were deposited a day after that. It was sooo easy. Thank you so much.

My loan is for $503.03 which is due on the 18th of every month therefore for me it would be due on 5/18/2019. I called Lending Club on 5/10/2019 and requested the ACH draft to be pushed back to 5/30/2019 which is within the 15 day grace period. I spoke with a Representative and she set up everything and confirmed that my ACH would be drafted on 5/30/2019. On 5/18/2019 Lending Club attempted to draft the payment and it was returned by my bank at which point I incurred a $35 NSF fee.

What an awesome experience with Ms. **. She was so helpful and quick to help whenever I had a question. The entire team has put my family in a better financial situation. We can now began to focus on our children's future.

I applied and they called me personally and helped me with the application. Very easy to work with. Received the approval in 2 days. They took care of paying my credit cards and deposited what was left into my bank account. A good experience.

Process was quick and efficient. Monies were available quickly. Everything was done online except for one phone call, a pleasant verification discussion. Highly recommended. Will use products again.

Quick and Easy. I was turned down at my home Bank but I was approved at Lending Club. Thank You! Now I can pay off my debt and make monthly payments that will be automatic and just one payment monthly. I recommend them to everyone.

Mailed payment into Lending Club. They cashed the check and posted it days later. I mailed my May payment. Lending Club cashed on April 26 and 16 days later they still have not posted the payment. I complained to them initially and reps were rude and nothing has changed.

Lending Club’s first discrepancy was that when I paid my loan on time or ahead of time they took longer to process my payment. Then the made me feel guilty for not paying my bill on time. My bank statement showed they deposited the funds to their accounts earlier than the due date. In 5 months of payments I was over 22 days late that get stuck on the I back end of the loan at $2.10/day interest accruing daily. This is not in the loan contract they explain to you on the phone. They feel that you are in good standing with them as the conduct this type of usery. I would CAUTION anyone considering a loan you will never pay off.

Applied for loan to consolidate credit card debt a week ago, completed all paperwork on Tuesday, got confirmation of approval today. This process was so easy. I could not believe it was real, then I received an email notifying me that the pay-offs were in process. I will definitely be referring this company to friends and family.

I received a loan from Lending Club for $9,000.00 and all was paid in full on auto payments. When they reported to Transunion, the report read 0/0/0 on late payments but at the end of report it said serious delinquency of 119 days. There was no delinquency so I called for assistance and was told the payments manager would call back. It never happened and after calling them back for over three weeks no one has yet to call me. I feel their customer service is terrible. This should be a simple fix and at the time of this review, nobody has responded back to me. I would recommend checking with other lenders.

My experience with Lending Club is very poor. It took over 20 days to finally receive a denial letter. I had to keep calling to get updates. They called three times to verify my wife's income, but each time I called them they said everything was verified, but that was after they had the wrong Loan Number, and I had to give them the correct Loan Number each time. They then said I applied for a $15k loan, which I did not, I applied for a $12k loan. The whole point was a credit card consolidation, yet someone how my debt to income was too high, yet I pay my bills 100% of the time on time, without missing a payment. The idea was to pay off all the CC debt and close the cards and just pay on the loan. Clearly they do not have it together over there.

I am self employed so getting these kinds of loans is usually difficult since I don't have normal documentation. This was so much easier than I thought it would be. Applied on Monday, money in the bank on Thursday. Easy payment terms. Going to make life so much better!

Very Long process comparing to other banks. It took me 2 weeks to know the decision. I had to look for another bank and they were able to determine the amount that I qualify for and fund within 2 days.

I invested around $3000 in C/D loans with a 60 month period. They were terrible investments. So far 1 year in, I've seen 2-3 loans default and fail collections and another 10 or so paid off quickly so total return around negative 25%. These loans are listed as 12-20% return. I recommend that others be careful funding these loans.

Very Professional and courteous to the causes of the need of the money that you are borrowing from their borrowers it is a Web bank and secure. I would recommend this facility to others who need a quick loan for paying off credit cards, buying a car, paying off your home or any other important needs. It’s quick simple and easy. I was very surprised that I was approved immediately for the loan that I asked for without paperwork and I needed it to pay off credit card debt so you won’t be dissatisfied.

I am so entirely pleased with Lending Club! I have never taken out a consumer loan. I thought it could be cumbersome and not be an easy process. Well I was completely impressed with Lending Club that not only worked fast, they made it a pleasant experience!

I've been receiving pre-qualification letters from Lending Club about once a week by mail for almost a year now. I did a little research and I read many of the reviews and decided to give it a try. I went to the link, put in my offer code and filled out the application. I applied for $8,000 to pay off a couple high interest credit cards. My income is W-2 at $72,000 per year and my credit score is about 680. I haven't made a single late payment on either of my car loans or credit cards in about 4 years. After filling out my application I got this message: "Unfortunately your application was not a match with the stringent credit criteria that we use to determine eligibility".

Lending Club company is by far the most quickest personal loan I've applied for. After a few years of bankruptcy discharge, we were able to get instant loan. I recommend this company for loans and investment...

Quick process, took total of 3 days from starting to money in my account. Amazing and will use again that's fo shizzo!! If you need to consolidate your debts this is a quick and easy way to simplify the process at a lower interest rate.

Applied for a personal loan and got approved after all supporting documents were sent in for consideration. Overall a good experience. My needs were given a good look before at all areas of finances and creditworthiness. We are glad they gave us a loan, even though it is a higher interest rate than we desired.

I never had too many questions while waiting to be approved for a loan but the few that I did have were answered straight away. I called once and used the chat option once and both times I was treated like I was a close personal friend.

The most difficult thing was choosing a lender as there are many options and considerations to look at. Once that was done, Lending Club made the rest of the process easy and pretty straightforward. All was done online except for one phone call to confirm that my phone number was correct. They were able to collect most data needed from other sources, limiting my effort to little more than name and social, and eventually, choosing what other debts to pay off. I would probably give the website 8 of 10 stars as I did not find the steps to be completely obvious or intuitive, that is, there was a listing of "next steps" but not for me a clear way to complete them. Phone call confirmation was especially pleasant, an English speaking rep who was efficient and courteous, willing to answer questions, and clear about next steps to process and what else I needed to do.

After keeping up with all my payments on time I was able to get a lower rate and combine some of my credit cards and higher interest loan for a lower payment. Thanks Lending Club for believing in me and trusting me. John

The process was straightforward. To be honest, I never thought anyone would ever give me another line of credit or loan for that matter. My bankruptcy discharged in August 2017 (it's now April 2019), and although I have worked hard to make sure I did things right this time and I now have a credit score range of 650-678 (depending on the agency), I was continually turned down. Heck, I was even turned down from the all mighty Navy Federal! Everyone is always going on about how they help EVERYONE, well they didn't help me. But you know who did? Lending Club. They gave me the terms upfront, pre-approved me, and I had a decision in about 2 days. I had the money in my account the following day. I'm happy with how all of this turned out. I now have to my 15K loan-less the fee of $800 (and again they were upfront about) which I'm delighted to do. My fiance and I can now plan an awesome wedding!

The process was quick and easy. I had a loan with the company already but was able to get a second debt consolidation loan. Literally was signing my documents in less than 5 minutes and was in review. Three days later my money was funded and deposited into my bank account. I would recommend to all my friends and family!

The loan process with the Lending Club was easy, and they kept me aware of the loan's progress through every step. They afforded me to get a grip on my finances by eliminating the high interest cards and loans I had. I wouldn't use any other company.

Excellent customer service and efficient application process. I found myself in need of a personal loan to consolidate credit card debt. Was given enough to make a huge difference in my monthly expenses and improve my credit score. Would highly recommend this service and would use it again myself if needed. Thank you Lending Club!

Got all of my info, sent in documents and even my bank account if and they decided they could not do loan. Don't trust them with my info. Turning them into the BBB and also consumer lending division. Beware of their tactics and misleading info.

I did all my information online and then sent in the application ahead. Within a couple of hours I had my answer and received what I asked for. I was skeptical but Lending Club came through and helped me out a lot. Thanks for their hard work.

Lending Club sends promotional materials and invitations by mail very frequently. They send "pre-approved" amounts along with codes so they are personalized offers based on the prospect's profile. However, when you log in to the website and you enter the amounts shown in the offer, invariably these are significantly higher. I have tested this three times already. Today, my wife received an offer and she immediately wanted to confirm the promotional rate she had received of a loan with offers for $5,000, $10,000 and $20,000 with options for 36 months at 6.95% APR with payments of $151.18, $302.37 and $604.73 respectively all for 36 months at an APR of 6.95%. She decided to check on the $10,000 loan to start.

I'm pretty happy with the results, I consolidated 6 credit cards, my payment equates to the credit card minimum payments, plus I got $2800 cash to me that I used to pay an $800 medical bill, and paid off another card that wasn't on their creditor list. The origination fee was a high, but in the end I'm saving way more in interest and will be out of debt much sooner. Easy application, fast response, money saved!

After being a customer for a while and having a history with this company, I could not believe the information they wanted and how it was misused. I went with another lender and in 3 days money the money was in my account, at half the interest rate. Won't do business with them again.

Anyone who is self employed (owns a business) should be cautious applying for a loan with this lender. They have a very "robotic" application process that assumes everyone is paid via a standard paycheck. They don't consider dividends in income considerations. If you don't fit the mold of 9-5 worker you likely won't be approved. Colossal waste of time!

When no one would give me a loan they did. I didn't like the interest rates but they helped me and I reward companies like that. I hope to do business again in the future but I expect a better interest rate.

I took a loan of $2000 from Lending Club. In the initial information I was told that they would adjust the finance fee if the loan was paid early. I have had the loan for about 3 months and paid off 3/4ths of the capital. I hope to pay it off in full before my next payment due date in March '19. When I called them to check on the finance fee adjustment, they tell me that there is no such rule.

All transaction was done online. It is so easy and effortless. Within 48 hrs of applying for my loan the cash was in my account. 5 stars all the way... beats my expectation. I like the fact that you can get a reduce interest rate if they pay off your debt if you are consolidating debts.

I wanted to pay off my credit cards and do it with 1 monthly payment. It could not have been easier with Lending Club. It only took a couple of days to process. The customer service people that I spoke to were nothing but helpful. It was a great experience. THANK YOU LENDING CLUB!

It was too easy to get a loan that I did not want. I clicked a button and suddenly I had a loan, I was only shopping for rates. Now, they sent the money to my creditors and I have to chase around to get the money back even though they say I have 5 days I was told it was too late on the day I was notified it was send. So shady, it seemed like I was just checking rates but now I have to get the money back. Furious!

Find another loan company if you can. Don't use Lending Club or you'll regret it. They take advantage of people's misfortunes and make a fortune doing so. First of all what kind of company lends you money and takes a cut off the top and charges you insane interest rates. Example if you borrow $1000 they give you $800 initially taking $200 off the original loan and then tax you so much you end up upside down from the start of the loan. I also became a victim of identity theft shortly after getting a loan with them. Coincidentally the 2 other companies which committed fraud and got loans using my identity are all under one main umbrella company which branches off into other loan companies with different names but are owned by one main company.

I had a loan thru them and was looking online to see if I could get a lower rate. I filled out the info required to see loan and interest rates and I was in fact eligible for a lower rate on the cost of the loan. I DID NOT Pull the trigger though. The next day someone (loan dept) called and inquired about the search and I began a dialogue with him. He ensured me that there would be no fees associated (lie). They do take a processing fee $900.00 and to pay off the original loan at the higher rate - you not only pay the 'principal' but the adjustment fees.

I received a letter in the mail stating that I was PRE-APPROVED for a personal loan from $1000 to $40,000. The letter uses the word "PRE-APPROVED" 7 or 8 times in the letter. I went online to "Accept" the offer only to be told I was denied! So how is this pre-approved?? I called company and the rep said the letter "is just marketing"!! Very poor business if you ask me!!

Thoughtful, knowledgeable folks who truly want to help you with your situation. Kept me posted all the way thru the process. Explained everything so I would understand my options. Emails and texts let me know if more info was needed.

I took out a loan with Lending Club a few years ago and all was great. Then I lost my job and was out of work for a few months and got behind. I want to make my payments and be in good standing but I can't catch up and they will do nothing to work with you. I'm not trying to get out of paying I just can't catch up and it is so stressful. All I want is to either refinance the loan so the payment can be lowered but NO ONE WILL HELP.

The application process was fairly simple and straightforward. At first I thought I had made the right decision until I realized I was being fee'd to death. They even charge a fee to pay your monthly bill via your own online banking.

I recently paid off my 8,000 loan with Lending Club and I have to say this was the dumbest decision of my adult life. I have flawless credit (although my credit score does not reflect this which is another issue for another time) but the interest rate they gave me was ridiculously high and I paid for it. My payments were $347 a month and over $200 of that payment went to interest the first year. DO NOT take a loan out with these loan sharks!! They are despicable and you will be sorry that you did.

I submitted required documents no less than 7 times! (same documents) Calls to them resulted in some reps telling me that they STILL needed the documents, others said there were received. Ridiculous waste of time, finally told them to forget it!

Lending Club would like to have you believe that you can earn 8% by investing their notes. I can tell you from experience this is not the case. I invested in a broad portfolio of hundreds of notes which were mostly of a high grade. As it turns out Lending Club is a tool frequently used by frauds. Let me explain. People will take out a Lending Club loan and then shortly thereafter and sometimes immediately declare bankruptcy at which point your loan goes to 0 and recovery is prohibited by law. This isn't rare. It literally happened dozens of times. Even among those with 'A' and 'B' grade profiles.

I took out a loan from Lending Club on 11/17 for $35,000 from which they took $1500 off the top. Upon refinancing my house in November of 2018, I arranged to have the loan paid off through my escrow company. Lending Club claims they never received it even though we have a proof of delivery from FedEx signed for by one of their employees. They continued to charge me late fees and interest while promising to do an internal audit and search for the check. They said they would get back to me shortly. They never did.

I got a loan with Lending Club without any issues and then a year later applied for a second loan which was not approved despite the first loan was almost paid off and always on time. Each time I applied I shortly after started to get loan offers in my spam box from other lending companies. A coincidence???

Lending Club is committing fraud in an attempt to harass and blackmail customers for paying off their loans early in retaliation to destroy their credit for losing out in hefty amounts of interest over years long period. I can prove this with screenshots. Lending Club records indicate whatever they want them to indicate and they will change the records after the fact to match what they want them to show is illegal. This is why I took screenshots the minute I tried to call them about their fraudulent activity and I recommend everybody frequently take screenshots of their accounts. They now claim my bank is the one committing the illegal activity and not them, even though I have screenshots of both accounts showing otherwise.

I was contacted by Lending Club for a loan, was supposed approved for $20,000 and then they started to ask for transfer fee and a totaling of $12,080.00 in Google play cards to process the loan and was told three time the money was in account and that the transfer was declined. Needed more money. I talked to Charlie and he said he gives me his word money be in my account Saturday morning. Nothing and now they won’t call me back so now I’m out that money and this company should be shut down and arrested. Don’t fall for this scam.

Lending Club needs to be disciplined - meanwhile, because of the false reports, my credit is devastated my FICO score. Lending Club should be severely punished, and not allowed to report to any credit agencies. My credit FICOs need to be restored immediately. I have not had one payment late in over 9 years, and this - my scores drop like a rock. Reimbursed all monies on credit that this action affected, higher loan interest and denial of loan applications.

This company sets up traps, they ask you for all of your personal information including bank account then they deny your application for a LOUSY 10 grand loan when I have 300k in equity! REALLY? I learned my lesson. Will never give no personal info to any lenders unless it's a super large company that I know and trust and I don't trust these people!!!

I applied for a $20k loan a little over a month ago. Due to a bankruptcy that was discharged in 2012, the credit card debt I had was at very high interest rates, so I wanted to consolidate. The loan process was so simple it was ASTOUNDING, and the money was in my account in three business days. I used all 20k to pay off as many cards as I could. Not all of the paid in full accounts have reported yet, but my "unofficial" score on Credit Sesame has increased by 69 points. In just over a month. I have calculated everything out, and I am going to save over $12,000.00 in interest! There are no prepayment penalties with Lending Club Loans, so I am adding an additional $300.00 to pay my loan off in 22 months instead of 36. I COULD NOT BE HAPPIER!!!

I applied to this company for a loan and was rejected although they didn't say why. Since they rejected me I decided to bite the bullet and just take the money out of savings. I paid off whatever it was I needed the money for and to my surprise I checked my checking account and they deposited the money they said they rejected, took out a payment and left me with a balance I didn't want. Now here is my warning. They sent an email rejecting me so I deleted any correspondence with them. When I discovered what they had done I called and somehow they have no record of rejection and I was forced to pay extortion money just to return the loan. I think they are running a scam but I didn't save my correspondence. Please beware and SAVE ANY CORRESPONDENCE WITH THIS COMPANY OTHERWISE THEY'LL SCREW YOU TOO!

DONT WASTE YOUR TIME. This company is very deceiving and just wants to get your information. I received a letter stating that I was pre-approved to refinance my car based on my credit report. They then said that that same credit report did not have a high enough score. They are not there to help you, just get your information. STAY FAR AWAY FROM LENDING CLUB AND LENDING CLUB AUTO!

I received a message stating that I was approved for a $10,000 loan. When I called back, I told them that I did not want to finance that much and he told me the least amount I could get would be $2500, so I agreed. He then begin to ask me for my social and street address. I asked him, "how did I get approved if you don't have that information already," he stated, "Did I say that we didn't have it? You need to verify it." That gave me reason to pause because he was extremely rude. And they did not have it because I could hear him typing it in as I gave it to him and he asked me several times to repeat it because I was going too fast.

This company's motto is that they want you to succeed, no they don't. Horrible company who want you to fail and will report immediately to the credit bureaus as soon as you are late and will not work with you. They take forever to respond to an email and when they do it's the generic response. I have asked to have payments split into two payments which works better for me, their response, "Nope. Can't do that," and if you need to change your due date they charge you more. They need to be reported and sued. Maybe we all should get together for a class action suit?

I was reading bad reviews on this site yesterday which kind of scared me but they funded my loan this morning and were also able to change my payment date to fit my schedule better. They are very helpful and deliver the product that they promise to.

I read the negative reviews and have some thoughts. This has NOT been my experience with Lending Club. I got a loan for $10,000 with an interest rate of just over 5%. I chose to have payments deducted monthly from my checking account which makes it easier for me since I don't need to worry about making my payments on time. Listen up, you need to have reliable creditworthiness, a decent credit score, be working full time. I have worked two jobs for a while now. Some may think on here it's a lot to ask you that you be working and reliable but come on think about it! Would you loan your money to someone with all indicators pointing to the likelihood you won't get your money back?! The answer is no! No you wouldn't. That is why some of you are offered extremely high interest rates.

I have had a loan via Lending Club for almost 3 years. I have found the company provides misinformation to the 3 credit Companies. I would say never to get sick or become unemployed. As traditional for companies you're only as good as your last payment.

This company gives false approval, then runs you through the mill requesting document. Fails to communicate and then turns you down for no valid reason. I fear now this company has my personal information and what they will do with this. Don’t apply with this company. Just a waste of time. False advertising. Loan Builder through PayPal will treat you right.

I chose to invest in Lending Club as a way to diversify my portfolio. With as strong as the economy is, my average rate of return continues to drop as more lenders default. I started out with a healthy ROR and after over a year, am now down to 6.35% when factoring in past due notes. I can't imagine what my ROR would look like if the economy was stagnant and unemployment high. Here's my portfolio ratios: 21.85% A, 30.52% B, 27.96% C, 14.73% D, 1.05% F. I am giving them 3 stars for all the details and graphics available on the website. Would I recommend Lending Club? Not anymore.

Receive multiple phone calls from different numbers. When I hang up! I receive insulting and racist voicemail. This company should not be allowed to call people!!! The CEO is in trouble with the SEC...you can imagine the rest.

I have had 2 loans with this company and had suspect credit. No problems whatsoever. All fees were explained upfront and interest rate. Those being asked to send a Google card are being scammed by another company, not Lending Club. They answer the phone every time I have called and were always helpful. It makes no difference whether people believe my experience because I already have my loans. Never send money upfront for a loan. You are being scammed and deserve what you get. Do not come here and blame others.

I read the negative reviews and they sound like from a completely different company. I got a loan for $3600 through Lending Club and have been paying on it for about a year. It's easy since the payments are deducted once a month from my account, and I have always been able to speak to somebody when I call. In addition, the rate is decent and I've never had problems in any aspect of the transaction. They never asked me to do anything sketchy (like the deposit into my acct only to remove it and MoneyGram it back). I honestly don't believe that is how Lending Club does business - at least not what I've seen.

I want a debt consolidation loan. I recently received an offer from my bank for a personal loan or line of credit at 7.57% APR. That same day I also received a letter from Lending Club. I decided to check if Lending Club could offer me a better deal than my bank. On the Lending Club letter it stated "The smart way to pay off debt faster" followed by "Reserved for people with great credit." FALSE advertising at its fullest! They offered me a ridiculously high 38.99% APR (I didn't even know APR went that high) with a 630$ fee - that's right, a FEE! Who does that?

I recently paid off a $35000 loan from Lending Club early. Since then, my credit score is near 800, my credit utilization ratio is 15%, and I’ve had my own dental practice for 10 years earning $240000/year. After paying off my loan I responded to an email saying to apply again for better rates since I have been a great customer. I applied for their line of credit product and was immediately declined and told I need a guarantor. This is ridiculous. I don’t know what automated underwriting system they use now, but it’s clearly different than what they used a year ago. A year ago, my credit utilization was over 80%, I had other loans, my credit score was 720, my income was 200k, and I was approved instantly for 40k. Now, at 15% utilization, no loans, 799 credit score, and 40k more income I am declined for and simple line of credit. Lastly... THEY NEVER ANSWER THE PHONE!

I’ve had a loan through Lending Club for almost 2 years and have been unable to get a hold of this company since my approval. I’ve never received a statement and when I call them it disconnects me after being told to enter my SS#. I’ve tried emailing them several times and receive the generic “A representative will be contacting you in a couple of days to resolve your issue”, only to never hear back from anyone. I have no clue how much I owe to pay off my loan, when my last payment date is, or even how much interest I’ve been paying. They just auto deduct my payment monthly. So they have all my personal info, including my banking info, but yet I can’t even get a hold of a real person or even the automated line to check my account status. I should have only a year or so left of payments but they could continue to deduct after that and I’d have no recourse since I can’t even check my account. Never again would I do business with them!

I have had three loans previously. All have paid off early and deducted from my checking account. After numerous days of submitting paperwork, with a FICO SCORE OF 746 and credit scores of 804, and 756 I got so tired of the bad treatment and being spoken to like I was attempting to do something. I applied to Citizens and in 18 hours after applying was approved and money was received today. No fee and lower interest. So I want to thank you for forcing me into a situation where I saved 900 fee, got lower interest rate and was treated nice. I have and will tell everyone I know about this great deal. Your employees can use some training in how not to treat people when your job is to loan money.

Received a $5,000 loan thru this company. Never made one payment and paid off loan in full early. The day I paid loan off I specifically ask and double check to be sure no more interest would accrue on my account. I was assured that the payment I made that day would be my last and no interest would accrue during the time it took my payment to post. It WASN'T! They are now charging me $16.38 and I have emailed and made several calls trying to resolve this issue and my calls are not returned to get this very simple issue resolved! They have very poor customer service and interest rates on their loans are RIDICULOUS! My monthly interest alone of $103/month was the same as what was being subtracted from loan amount monthly! If I wouldn’t have paid loan off early it would have cost me nearly $10,000 to borrow $5,000!??

I also applied for $5000 personal loan, online. I received a text, then a call from Lending Club. "JIM or JOHN" said that I had been approved for up $5000... So I went for $5000 loan to completely PAY BILLS I had at the moment. Jim or John asked a lot of person security questions including Username & Password to my banking institute. I gave it. He said that because my score was low (not over 620) I would not qualify for a loan using lenders that only cater to 620 and UP FICO scores. He said Lending Club would make a deposit (with personal banking information I provided) into my bank account. Then he said that this was a way to prevent identity fraud on their end... Anyway he said after the deposit has been made I then need to go to Walmart then MoneyGram the funds back to them to ensure that this acct was actually mine.

So I just got done reading all these negative reports and keep asking myself if they are talking about the same company who I dealt with. I applied last year and they did exactly what they promised me. Not one time did I have to pay anything upfront or get a Google card. They took about 3 1/2 weeks from start to finish and they gave me exactly what I requested. I now have been paying 1 year. They even sent me a Happy Loanniversary card and they thank me for my on time payments. I am sorry for others bad experiences but mine was awesome and did exactly what I needed. They condensed my bills to 1 monthly payment. I did pay an origination fee but they told me up front it was going to happen and it was in my paperwork to sign.

This organization has enticed me to apply multiple times. I am vulnerable and need to build my credit so I have to take a consideration for credit seriously. One would expect the research and reasons for a rejected application to be accurate at the very least with a professional lending syndicate. The information relayed to me cited a wrong credit score, a ratio that was unlikely, and claimed delinquencies when there have been none for a normative amount of time.

I get mailed. Lending Club debt consolidation offers 1 or 2 times per week, and the two times I've tried to apply over the years, they've both declined. I don't care what the reasons are. If you're going to constantly mail me offers, DON'T DECLINE THEM.

I applied for $1000 personal loan, online. I received a text, then a call from Lending Club. "ERIC" said that I had been approved for up $5000... So I went for $5000 loan to completely settle the emergency situation I had at the moment. Eric asked a lot of person security questions including Username & Password to my banking institute. I gave it. He said that because my score was low (not over 620) I would not qualify for a loan using lenders that only cater to 620 and UP FICO scores. Eric said there was another route for people like me. He said that they had private investors that would lend monies to me. He said Lending Club would make a deposit (with personal banking information I provided) into my bank account. Eric said that this was a way to prevent identity fraud on their end... Anyway he said after the deposit has been made I then need to go to Walmart then MoneyGram the funds back to them to ensure that this acct was actually mine.

I invested $5,000 about 5 years ago. Two years ago I told them to close my account, liquidate my loan investments, and pay out my account balance. To date, although my statement says they are holding cash that is not invested, at zero interest rate, to their obvious benefit by using the money without cost. Now, I cannot get any response from them regardless of the medium used, whether by phone (indefinite hold) or by email to their service email. Frankly, as an investor I believe this company is scamming investors by failing to respond to contact or pay out any of the funds they hold in my account. DO NOT INVEST WITH LENDING CLUB.

Lendingclub.com, terrible loan company! I tried to get a $5,000 loan with them. I told them upfront I had poor credit! They said it is ok, I already am approved for the loan. I talk to a supervisor name Walker. He is a good talker and liar! He said to me, "Don't you worry. You have been approved already for this loan. I need you to get a Google card for $250.00 dollars for the loan. That is all you have to do I promise you!" Then about a half an hour later on when the Google card went through he now said to me, "You will have to pay a out of state fee to get your loan." I had to buy another Google card for $450.00 dollars! He said that, "Don't you worry now you will get the loan." He lied to me twice now, I told him I never did this with no other loan company! I said, "What are you doing? Why are you taking my money?" I was naive to buy Google cards and put money on them! I was thinking about the loan.

Opened credit with without consent and ignored credit freeze. I thought I was just researching options. Never received all my medical services but there was nothing I could do because this unethical lender had already paid over $7k to provider. I would not recommend.

I had a personal Lending Club Loan and I got a new loan at a lower rate from Freedom Plus. I spoke to a Lending Club Rep and told her about the new loan I was getting and that it also would take a little time for it to go through and pay them off, She said, "That's no problem" and got the payoff info from her and the Automated system info for the New Freedom loan. Then come to find out they said I owed like $74.oo added a late fee so it came to $110 They said I owed. So they ruined my credit from 760+ down to 695. This could have been taken care of without reporting it which should never should have never taken place. They ruin my Credit and say they understand my situation and can make no exceptions in their Policy. Yes they can make exceptions so this experience has totally devastated me to know end all over $74.00. I do not recommend them as in my eyes they say one thing but do another.

Today a friend asked to use my checking account to put a loan disbursement in. And I said, "Sure, no problem". Then she said that the loan was through Lending Club and they needed $450.00 for administration fees. And to put the $450 on a Google Play Card. Text the card no. and the loan would be directly deposited to my checking account. Well she didn’t have $450.00 so I debited my account for the $$$ and surprise, surprise, NO MONEY WAS DIRECTLY DEPOSITED. And then Lending Club tried to get another $600, for transfer fees that the bank was charging. Which I knew was a flat out lie.

This is the most unhelpful company I have ever dealt with. I was initially offered a great deal on my rate and jumped at the offer. The beginning process was simple enough and soon I found myself not progressing. I would make phone call after phone call and all they claimed is that I needed a number to my employer. So I gave them two which I confirmed to work beforehand. They claimed they tried and tried yet couldn’t reach anyone. I work at one of the largest employers in the nation. I even gave them a direct line to my boss with extension. Nothing they say on it til it expired and then asked me to renew. I attempted to submit it and it went approved. My credit score has gone up significantly due to me paying off all my debts! Stay away from them at all cost! They never made an effort to help me. Can only imagine what working with them would be like!

Absolutely awful customer service. They denied my mother a loan. She has excellent credit, in the high 800s. Annual income is great. No delinquent accounts and no derogatory marks. She has a wonderful credit report. And was denied. They emailed her reason for denial... delinquent accounts and derogatory marks. She went through the same credit reporting company LendingClub uses, and once again... excellent! No delinquent no derogatory. So she emailed them back, they sent a copy and paste of the first email.

After receiving numerous advertisements from the Lending Club indicating that I was prequalified for a loan, I decided to submit an online application for $6,000. I submit all of the required documents as requested, some as many as 3 times. I have an excellent credit history with a FICO score of over 720. I have been with the same employer for over 20 years. I called twice in an attempt to find out my loan status. The first time I waited for 20 minutes without response until I finally hung up. I called a second time and waited another 20 minutes only to be told that I needed to provide them with a telephone number of my employer.

Awful experience. Very pushy to get steam cards and iTunes cards. He says, "Don’t tell anyone it’s for a loan." Bothered me all day while at work. Calling, calling, and calling. He tells me my loan was approved for 10,300 and nothing caked from ** and also **. So needless to say I fell for it and drained my account and know had to close my bank account and still never got the (loan I was approved for with confirmation number and all). It’s ok karma is a **. He will get his and all the people that write the reviews they all work for this Sam **.

After fully paying off my loan, they told credit agencies that I closed account. A statement saying “closed account” is not good on your credit report. I demanded that they correct that statement. I strongly dislike this Club. Each month I received an email about lowering my payments from $472 to $235. When I tried it once each time it lead to a bait and switch. For a new loan no reduction in payment but instead payment would increase (on a lower amount) by close to $150 to $170.

I took a loan out in the amount of $6500 on November 17, 2017, of which I received a little over $6200, because of fees. From November 17, 2017 - April 9, 2018, less than 5 months I paid over $860 interest, this is with paying an extra $100 every month, last month paying an extra $500, and paying $5345 this month. This company does not reduce your monthly payment if you pay more at any time, you will still have to pay the monthly amount, even if you paid $5000 within the month. This company does not post payments the same business day, even if you make the payment at 8 AM, your payment will post the next business day, so if you pay off your loan on a Friday, the payment will reflect that you paid on the following Monday. Terrible, shady, the worst ever. Going back to One Main.

I received an ad in the mail about pre-approval for a loan and was looking to borrow a small loan basically due to timing of when I would need the loan rather than actual need of the money long-term. (Making a pre-owned vehicle purchase and had half the money saved and was going to borrow the other half to move up the purchase date of the vehicle.) Anyway, I did some recon online of the company, etc. and determined it was legit. I used the mail ad code and applied for a small loan and received confirmation I was approved for the loan but the rate was unbelievable - ~23.3%?!?

This company is a joke. Poor communication and lies and more lies. Telling you things that are not true. Stringing you along for a loan just to say, "Sorry on our end we didn't do what needed to be done in the 30 days so we can't approve you." After turning in all required documents. Don't waste your time like I did.

My account has been plagued with defaults and charge-offs this year. I've been with them since 2009 but the defaults are out of control. It seems the "borrowers" have figured out how to scam the system and get loans with no intention of repaying them. I will NOT be investing any more money into Lending Club.

I would suggest you never invest through this company. Although they rate borrowers based on the information they provide, I honestly don't think they verify anything. I initially made an investment of $6,500 in two accounts. This has been almost 4 years now. Over that time period I have lost $227 in one account and $79 in the other. Don't believe the returns they advertise. They are still showing that I've made 4.04% and 2.33% but I don't know how they have arrived at that number when my account value is less than my original balance. I've tried investing in just A & B rated borrowers but they are written off after a short period of the loan. I just had one this week that was an A7 borrower who only made 4 payments and then a year later the account was written off. Once your money is invested, there is no way to get the balance back until the loans are paid in full. NEVER, NEVER, NEVER AGAIN!!!

Avoid this lender!! Horrible business lending. I dealt with underwriter Somie ** and she was very slow to respond and asked me several questions that she already had the answer to. Very misleading process and much better lenders available. I was shocked that after advertising loans were funded the next day that I hadn’t even heard from her after 3 days of applying! I was funded by another company a day before I received any credible response from Lending Club. There are so many better commercial lenders. Stay away from Lending Club at all costs.

I stumbled upon the reviews for Lending Club today, and after reading all the negative reviews am convinced these were written by competing loan companies. I’ve had a loan now for 10 months with zero complaints. I applied for $12k with a FICO over 800 (It took some work!), but with less than a year of employment history at my current job and was approved within a few days. I only had to verify my bank account, and the money was there in less than a week. The loan terms are great and automatic payments have been hassle-free. When it has been a year since I applied I may think about taking out a second loan.

Like some others here, my dealing with Lending Club is as a lender. Initially, the returns were OK, now there are basically no returns... just defaults and charge offs. I have stopped adding money to my account and I transfer any payments resulting in cash to the self directed IRA custodian. That's where the story gets even better... not only are the Lending Club "returns" terrible, the IRA custodian charges $100 a year for IRA fees. Oh, it gets even better... if you transfer the money out of the custodial account, you get hit with yet another "transfer fee". I'm pretty much losing money all the way around with this "company". I can't wait to terminate my dealings with Lending Club. Just be warned that this outfit is just two shades shy of a scam.

We got a letter saying we were "pre-qualified" and our payments would be about $100.00 less a month. We thought sounds good, so we submitted an online application. A while later they send an email asking for continued information, pay stubs, tax returns, drivers lic. We emailed all that to them. Next day they send another email, send employment verification signed letter, ok did that. OK so at this point we are figuring all is good and we got the loan. Next day we get a request for a signed title transfer, I downloaded it and got it all filled out and was going to send it out today, now we are thinking wow we got this. Awesome.

I do not recommend this company. They collected my personal information for a loan. I also have a great employment history, homeowner and good credit score. I received one email from Lending Club which said, "Watch your email for updates." No further communication from this company. After one week, I called Lending Club requesting an update. The representative from Lending Club said the loan processor was still trying to contact my employer to confirm my employment. I gave additional phone numbers for my employer who is one of the largest employers on the West Coast. No response or communication. After three weeks and several more follow up phone calls I concluded that the Lending Club performance was substandard and terminated my loan request with them. Based on my experience I do not recommend doing business with Lending Club.

My dealings with Lending Club are as a lender. At first, the returns seemed pretty good, now are no better than a high-yield online savings account, which is FDIC insured and has very little risk. There are a high number of charged off loans in my account, some were rated "A" (Best), resulting in lost money. Supposedly the economy is good now, what will happen during a recession? I have stopped adding money to my account and I transfer any payments resulting in cash back into my source bank account as soon as I can. I can't wait to terminate my dealings with Lending Club.

I tried get loan with this company. Was started on weekend. Did paper say I got the loan. First he want to deposit to my account then I would have to give back deposit. Started then was stopped. I waited. Called today too. He had find my account. Since bad credit he want me open another bank account. I'm not wasting time with this company.

You have so many problems with Lending Club! You cannot make two payments a month, split the payment equally. It takes an act of Congress to change your bank account. If you cannot change your loan payment date before the due date, pay in advance. Any changes require permission from Lending Club! Also note they take a lot of money up front from the loan amount, you do not get the entire amount. Interest is higher than most banks also.

My partner had dental work done that wasn't covered by my dental insurance (Dental Dental - they suck too but that's another story). They use Lending Club to allow their patients to spread out the (expensive) payments for up to 12 months interest free. I was told by a representative on the phone that you could set up automatic recurring payments on their website. Searched hi and low but could not find the means to do this. Long story short, I missed a payment by a few days and they charged me almost $40 late fee. I paid the 2 months minus late fee and asked to remove late fee and again how the hell do you set up auto payments which I was told was possible. They refused to remove late fee and said, "No, we do not support auto recurring payments at this time." That's **. Avoid and find some other service.

I am a REAL person - I lend MY own money to people through Lending Club. It is NOT a scam, they do NOT ask you to buy gift cards or wire money. Seriously, doesn't anyone do their homework anymore? DO NOT GIVE YOUR PERSONAL INFORMATION IF YOU DO NOT KNOW WHO YOU ARE TALKING TO! I don't care WHAT they say they have of your personal info. Lending Club is a legitimate business and I make legitimate money lending to people that pay interest on their loans. My only complaint is the amount of people that default on their loans... Meaning I lost my money. I am not happy with the rate of return at this time, but it is a risk that I chose to take.

Took out a loan for about 5,000.00! They take $300.00 off the top before you see anything. My payment a month is $232.00 in which a $100.00 is straight interest! DO NOT TRUST THIS AT ALL!!! GREEDY, SATANIC, COMPANY! Numbers speak volumes! They are disadvantage bloodsuckers!

I had been making payments on time and accurately for several months. During the summer, when I was not employed I let the company know as well as when I returned to work. Recently, they have been calling several times a day every day. I tried to explain to them my payment plan which they refused while saying that I am refusing to pay and non-committal. I felt like I was being pressured and harassed to sign up for an automatic payment plan which I declined to do so. I felt she continued to harass me even though I explained several times what I was comfortably able to do.

I posted first review too hastily. Money received. Entire process took 2.5 days. Only negative was origination fee ($900 for 18k loan) and the awful "glitches" with their electronic correspondence so far. I will update again if there are any adverse events; but so far so good!

After receiving approximately 15 offers for a "pre-approved" personal loan, I applied for a loan on 11/18 to consolidate debt. I was sent an approval notice that day, and was asked for paystubs. Those were sent then I was asked for W-2. Then a few days later I was asked for my tax return. After providing all of the requested information, I was told that they could not verify the amount of income I claimed, though ALL of the documents proved the amount of income I claimed.

Terrible. Do not lend! You will lose your money. The company promises great returns but unqualified borrowers will default on you. They do not actually screen borrowers, they just accept their stated qualifications and income. I was very foolish to believe their posted reviews and projected income, and my loans (I have made thousands of loans with them) are universally losing money. Instead of being at the projected 8%, I am minus 3% and it will only get worse. Try the stock market, for as crazy as it is, it is safer because it takes longer for companies to default than for unqualified individuals!

Lending Club approved my loan with under 10% apr. They then emailed me to say they had a system glitch and my loan had been deleted and I had to reapply. Of course the next offer was a 24% apr. Utterly annoyed as the process took a month with all the information they needed. Waste of time!!