LightStream Personal Loan vs. LendingClub Personal 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
LightStream Personal 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
LightStream Personal Loan
LendingClub Personal Loan
APR Range
7.99% – 25.99% Best
8.99% – 36.00%
Loan Amount
$5,000 – $100,000 Best
$1,000 – $40,000
Term Length
24–84 months
36–60 months
Origination Fee
None Best
1–6% of loan amount
Min Credit Score
660+
600+ Best
Funding Speed
Same day
A few days
LightStream Personal Loan
Pros
- Low APR for qualified borrowers
- Low APR for qualified borrowers
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Higher credit required
- Higher credit required
- No prequalification
- No prequalification
LendingClub Personal Loan
Not sure which loan is right for you?
Browse all loans