Don't be scammed with LendingClub. When you apply to credit card, they provide 0% APR for 12 months or so, and points as you spend money.
LendingClub? No 0% APR, and yet, actual APR goes up after fees! My situation: I had 705 credit score and APR was 14%. AFTER ORIGINATION FEE, APR JUMPS TO 18% when my chase credit card charges me 12.99% after 12 months with 0%.
Also, once the loan is originated, there is no customer service from them, but once you miss one payment, they make sure to charge you with fees like late payment, non successful payment fees?!!
Sooner or later, people will know about the truth of their operation that this is same as those payday loan scammer!
Product or Service Mentioned: Lending Club Loan.