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Lendingclub
LendingClub: 2023 Auto loan review published 2023-01-01 at 00:00:00
The story was written by Emma Woodward Written by Contributing writer

Emma Woodward is a former contributor to Bankrate and a freelance writer who is passionate about writing articles that help to simplify personal finance issues. Her writing has been published by businesses and publications like Finch, Toast, JBD Clothiers and The Financial Diet.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers gain the confidence to manage their finances with precise, well-studied information that breaks down otherwise complex subjects into bite-sized pieces.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by offering interactive tools and financial calculators that provide objective and original content. We also allow users to conduct research and compare data for free and help you make financial decisions with confidence. Bankrate has agreements with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that are advertised on this site are from companies that compensate us. This compensation may impact how and when products are featured on the site, such as, for example, the sequence in which they appear within the listing categories, except where prohibited by law for our loan products, such as mortgages and home equity, and other products for home loans. But this compensation does not influence the information we provide, or the reviews that you see on this site. We do not contain the universe of companies or financial offerings that could be open to you.




Reviewer's disclosures The reviews are written by staff. The opinions expressed are only the opinions of the reviewer and have not been reviewed or approved by any advertising company. The information that is included, including rates and fees, presented in the review is correct at the time when the review first appeared. Review the data at the top of this page as well as the lender's website to find the most current information.








A quick glance 3.8 rating: 3.8 stars out of 5
Bankrate Score

Available Rating: 3.5 stars out of 5
Cost of Affordability: 3.6 stars out of 5
Customer Experience Rating: 4.4 5 stars from five
Transparency Rating: 5 stars out 5


Compare rates for auto loan rates


About LendingClub Loan amount $4,000 to $55,000
Min. credit score of 600
APR ranging from 2.99% up to 24.99%
Funds available in Typically within 2 days



Pros and cons of LendingClub auto loans The fact is that not every auto loan is eligible for refinancing using LendingClub, and if your credit isn't good then it might not be the best option.
PROS No origination fees
Apply online and receive an instant offer

CONS High Maximum APR
Not all vehicles are available.
Vehicle and state restrictions for state and vehicle





You may have heard of LendingClub as a peer-to-peer (P2P) loan provider for personal loans however, it can assist with auto loan refinancing. LendingClub offers a non-traditional approach to financing. Instead of private financing like traditional banks, LendingClub features a streamlined online application procedure and connects individual lenders with individual customers to assist with various funding requirements.

Do you qualify? LendingClub has a few requirements for auto loan refinances. The applicants must be 18 years old, and possess a car that meets the following basic requirements The vehicle must not be more than 10 years old. Vehicle must have 120,000 miles or less Remaining loan balance must be between $4,000 and $55,000 loan total must amount to between $4,000 and $55,000 Existing auto loan must be at least one month old. Existing auto loan must have at minimum 24 months remaining. The vehicle must be licensed and registered in your current state of your residence
Ineligible vehicles Aston Martin Chevrolet Express G-Series Van Cross Lander Daewoo Ferrari Hummer Isuzu Lamborghini Maserati Mercury Nissan Leaf Oldsmobile Pontiac Saab Saturn Suzuki Volkswagen Diesel


What we like and what don't like LendingClub makes it easy to determine your chances of approval and pick the loan that works for you However, there are limitations which could render you unqualified of auto refinancing. What we love: No origination charges. A lot of lenders charge high loan origination charges -- which will cover the costs of processing an initial loan application. However, LendingClub doesn't charge these charges for auto loan refinance. Apply online to receive an immediate offer. Applying for a LendingClub car loan refinance is simple and you can receive an offer that includes rates available to you in just a few minutes. What we do not like is the high APRs that exceed the maximum. If your credit rating isn't in top shape, you could be charged the 24.99 percent APR. This offer is not available to all vehicles. If you own a vehicle that is older than 10 years then you aren't eligible for an loan refinance through LendingClub. Your vehicle also must be less than 120,000 miles and not be one of the prohibited makes or models. State registration restrictions for vehicles. Refinancing is not available to customers who reside in Alaska, District of Columbia, Hawaii, Maine, New Hampshire, North Dakota, Vermont, West Virginia and Wyoming. How do I contact LendingClub LendingClub offers a few options to help with any auto loan refinance queries. You can check out its help page to see if they have an answer to your question. If not, you can contact them via phone or email. Customer service is available between five a.m. between 5 p.m. (PT) Monday through Friday, and between 8:30 a.m. and 5 p.m. on Saturdays.
Auto loan kinds offered LendingClub offers lending via P2P for a variety of loan types. When it comes to auto loans the company only provides loan refinancing that comes with low rates. The average borrower will save the equivalent of $86 in monthly payments, according to the website. LendingClub does not offer auto loans to aid in the purchase of a new car at the moment.
How to apply for a loan with LendingClub The process to apply through LendingClub begins on their website. There, you will need to provide some personal info, like your full name, address and income. You will also be required to give details about the current auto loan with your VIN (vehicle identification number) as well as the date, year, model, year color, and trim level. If you're eligible for an auto loan then you'll need to submit the required documents to verify the details provided within your loan application and receive an official loan approval.

The required information for application is Driving license, registration of vehicle proof of insurance Documents to prove the income of the applicant, such as a pay stub


LendingClub FAQs
Can you get preapproved for a loan through LendingClub? You can determine the rate in a matter of minutes without impacting your score on credit. However, if you decide to go ahead through an application for a loan inquiry, you will be subject to a formal inquiry into your credit will be made.



Does LendingClub have any credit score requirements? LendingClub doesn't provide a minimum credit score requirement to refinance auto loans. However, the best rates are usually offered to those with good or excellent credit scores.



How does Bankrate rate LendingClub
Overall score
3.8
Accessibility
3.5
LendingClub has a list of makes and a few models that aren't eligible to refinance, and also has limitations on mileage and age. It also doesn't provide loans to borrowers who's cars are registered in fifteen states.
Affordability
3.6
No origination fee is a huge point for LendingClub, however its high APR maximum as well as the stringent eligibility requirements and the lack of discount for autopay knock it to the middle of the pack.
Customer experience
4.4
LendingClub provides an application, online access with a quick funding time and customer support available seven days a week.
Transparency
5
Rates and fees are openly available on LendingClub's website and allow for prequalification.


Methodology Bankrate considers 18 data points when choosing the best auto loans. Acceptance criteria, rates and fees are available and the APR range are all factors that affect lender scores. These scores are broken up into 4 categories. Accessibility : Loan amounts, repayment options, dealership requirements, and state availability all play a role in this section. Affordability: This section houses APR ranges and acceptance criteria, as well as discounts and fees. Customer experience: The length of time you'll need to shop, customer service availability as well as whether an app is available and availability of autopay are all taken care within this segment. Transparency: This category accounts for the availability of fees and rates as well as whether prequalification is available.
Editorial disclosure Reviewers are supervised by Bankrate.com staff. The opinions expressed are solely the views of the reviewer. They have not been evaluated or accepted by any advertiser. The information such as rates and charges that are included in the review are accurate at the time when the review first appeared. Review the information at the top of this page and the lender's website for the most current information.




Written by
Emma Woodward
Contributing writer


Emma Woodward is a former contributor for Bankrate and a freelance writer who enjoys writing to demystify personal finance issues. She has written for businesses and publications such as Finch, Toast, JBD Clothiers and The Financial Diet.
Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping readers gain confidence to manage their finances by providing concise, well-studied and well-researched content that breaks down complicated topics into digestible chunks.






Auto loans editor










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