LendingClub Personal Loan vs. SoFi Student Loan Refinance
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 Student Loan Refinance 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 Student Loan
APR Range
8.99% – 36.00%
4.99% – 14.70% Best
Loan Amount
$1,000 – $40,000
$5,000 – $500,000 Best
Term Length
36–60 months
60–240 months
Origination Fee
1–6% of loan amount
None Best
Min Credit Score
600+ Best
650+
Funding Speed
A few days
2–3 weeks
LendingClub Personal Loan
SoFi Student Loan Refinance
Pros
- No fees
- No fees
- Unemployment protection
- Unemployment protection
- Competitive rates
- Competitive rates
Cons
- Must have degree
- Must have degree
- Good credit required
- Good credit required
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