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2.3 Based on 81 reviews
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  • Customers like
    • Concept of peer to peer lending 5
    • Smooth process 4
    • Very smooth process 3
  • Customers don't like
    • Deceptive 9
    • Deceptive advertising 7
    • Useless service 7

I am in the same dilemma. I was 'Pre-approved', applied for a $6,000 loan to consolidate my credit cards will lower interest rate, I have a good credit rating (around 700 & so does my husband), it was a joint app. It took almost a week to upload all the info that they were wanting, thought I was done and then they said they needed a more recent bank statement (it was 33 days old!) but at the time I uploaded it, it was less than 30 days old;... Read more

Was this review helpful? 0 1

I received a mail offer to apply for a loan. Applied and submitted required documents and was told that a phone verification was required. Fine. I called and answered the obscure questions correctly then was informed that this was the fraud department and I would be given one more chance to say who I really was...basically saying that I wasn't who I said I was and instead that I was someone else pretending to be me. I was then told that more... Read more

Was this review helpful? 3 4

They obviously don't train there customer representives properly, long story short I applied for a loan to have some dental work done and I did have a fraud alert on my file so they did call to verify my identity, immediately after I got a denial stating they were unable to pull my credit file so I lifted the freeze and I was unable to do another application they considered it to be duplicate which is fine so I called them and they wouldn't just... Read more

Was this review helpful? 1 5

We have used lending club twice, as a way to bridge funds while were were doing some expensive repairs to our home. Water leaks caused us to repair/replace about 50 feet of our kitchen walls, and pretty much redo one of our bathrooms completely. This took us about 21 months to complete. We also used some zero percent intro rate credit cards to manage paying for some of the more unexpected expenses for the repairs. During this time, we paid off... Read more

Was this review helpful? 1 2

Received a phone call saying that I can be approved for a loan without a credit check. But, they need for me to get an iPhone card in the amount of $150. They said that this will be refunded to me a few minutes after the loan amount is deposited in my account. Does not sound legit to me. Has anyone else had this experience? I did not proceed with the loan as it did not sound right. However, they keep on calling me back. I could certainly... Read more

Was this review helpful? 0 2

I had a loan with Lending Club for about a year and a half, then paid it off. Rate was high but not completely terrible. I even switched banks and the process was smooth. You really need to understand personal finance before applying for a loan with any company. The only real advantage to this type of loan is to consolidate several high rate bills into one semi-high rate bill for set time frame. Their customers service was very helpful the one... Read more

Was this review helpful? 1 1

Had these people call me today, they state clearly in their intro, that there aren't any up front charges. Yet as soon as they produce an EFT CODE, and they think they have you hooked, then comes the fee. $150 dollars to get access to the funds, if you try to cancel at that point, they inform you of a$400 cancellation fee. If you get caught up in their game, the only way to keep them from screwing you, is to close your account immediately and... Read more

Was this review helpful? 1 2

You are better off getting a loan from the Mafia!!! This company should not be allowed to take advantage of people who are in financial help. Read more

Was this review helpful? 4 2

Ok so i just started my loan experience with Lending Club and after reading these reviews I am now horrified. I came here to look at reviews after i applied for a 12,475.00 loan and they only deposited 11,725.00. I had no idea there was an origination fee this was never discussed with me!!! I am also trying to get my payments into 2 bi weekly payments and no one will get back to me about this. I was also told my monthly payments would be 366.08... Read more

Was this review helpful? 3 5

Been trying to get into my account summary and have not been able to get any help to see why I cannot login. I need assistance and when I call the phone rings incessantly with no answer. Read more

Was this review helpful? 3 0
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