LendingClub Personal Loan vs. LightStream Home Improvement Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
LendingClub Personal Loan
LendingClub Bank
4.2
APR 8.99–36.00%. $1K–$40K. Joint applications available.
Full review →
LightStream Home Improvement Loan
LightStream
4.6
APR 7.99–25.99%. Up to $100K. Same-day funding.
Full review →WealthSpott Verdict
LightStream Home Improvement Loan wins on more measurable categories — particularly on rate and cost. LendingClub Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
LendingClub Personal Loan
LightStream Home Improvement
APR Range
8.99% – 36.00%
7.99% – 25.99% Best
Loan Amount
$1,000 – $40,000
$5,000 – $100,000 Best
Term Length
36–60 months
24–84 months
Origination Fee
1–6% of loan amount
None Best
Min Credit Score
600+ Best
660+
Funding Speed
A few days
Same day
LendingClub Personal Loan
LightStream Home Improvement Loan
Pros
- Low rates
- Low rates
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Strong credit needed
- Strong credit needed
- Unsecured only
- Unsecured only
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