LendingClub Personal Loan vs. SoFi Auto 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 →
WealthSpott Verdict
SoFi Auto 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
SoFi Auto Loan
APR Range
8.99% – 36.00%
5.99% – 17.99% 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
680+
Funding Speed
A few days
A few days
LendingClub Personal Loan
SoFi Auto Loan
Pros
- Purchase and refinance available
- Purchase and refinance available
- No fees
- No fees
- Member benefits
- Member benefits
Cons
- Good credit needed
- Good credit needed
- Online only
- Online only
Not sure which loan is right for you?
Browse all loans