LendingClub Personal Loan vs. SoFi 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.
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WealthSpott Verdict
SoFi 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
SoFi Home Improvement
APR Range
8.99% – 36.00%
8.99% – 25.81%
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
Same day to a few days
LendingClub Personal Loan
SoFi Home Improvement Loan
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