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What types of loans does Lending Club offer?

Lending Club offers personal loans, auto refinancing, medical loans, debt consolidation loans, and business loans, with amounts ranging from $1,000 to $65,000.

How does the loan application process work at Lending Club?

The loan application process at Lending Club involves applying online, selecting a loan offer based on preferred rates and terms, and receiving funding directly to a bank account or paying creditors once the loan is approved.

Will checking my rate with Lending Club affect my credit score?

No, checking your rate with Lending Club will not impact your credit score as it uses a soft credit pull. A hard credit pull occurs only if you proceed with the loan and funds are sent.

What distinguishes Lending Club from traditional banks?

Lending Club differentiates itself from traditional banks by operating as a digital marketplace, which allows it to maintain lower costs and pass on savings to customers in the form of better interest rates.

What is the maximum amount that can be borrowed through a personal loan at Lending Club?

Lending Club offers personal loans with amounts up to $40,000, depending on the borrower's creditworthiness and application details.

Are there any fees associated with Lending Club loans?

Yes, Lending Club charges origination fees that typically range from 3.00% to 8.00% of the loan amount, depending on the borrower's credit profile and the loan specifics.

Q: How often does Lending Club experience outages?

A: Major outages are rare, occurring only a few times a year. Minor issues can happen more frequently.

Q: How long do Lending Club outages typically last?

A: Most outages are resolved within a few hours. Extended outages lasting more than a day are extremely rare.