SoFi 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
SoFi 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
SoFi Personal Loan
LendingClub Personal Loan
APR Range
8.99% – 25.81%
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
680+
600+ Best
Funding Speed
Same day
A few days
SoFi Personal Loan
Pros
- No origination or prepayment fees
- No origination or prepayment fees
- Unemployment protection available
- Unemployment protection available
- Fast online application
- Fast online application
Cons
- Good credit typically required
- Good credit typically required
- Not available in all states
- Not available in all states
LendingClub Personal Loan
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