LendingClub Personal Loan vs. SoFi Student 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
LendingClub Personal Loan and SoFi Student Loan are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.
Feature
LendingClub Personal Loan
SoFi Student Loan
APR Range
8.99% – 36.00%
4.49% – 14.70% Best
Loan Amount
$1,000 – $40,000 Best
From $1,000
Term Length
36–60 months
60–180 months
Origination Fee
1–6% of loan amount
None Best
Min Credit Score
600+ Best
650+
Funding Speed
A few days
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LendingClub Personal Loan
SoFi Student Loan
Pros
- Competitive rates
- Competitive rates
- No fees
- No fees
- Member benefits
- Member benefits
Cons
- Requires cosigner for most
- Requires cosigner for most
- Good credit needed
- Good credit needed
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