Upstart 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
Upstart 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
Upstart Personal Loan
LendingClub Personal Loan
APR Range
6.40% – 35.99% Best
8.99% – 36.00%
Loan Amount
$1,000 – $50,000 Best
$1,000 – $40,000
Term Length
36–60 months
36–60 months
Origination Fee
0–12% of loan amount
1–6% of loan amount Best
Min Credit Score
300+ Best
600+
Funding Speed
1 business day
A few days
Upstart Personal Loan
Pros
- Considers education and job history
- Considers education and job history
- May approve fair credit
- May approve fair credit
- Fast 1-day funding
- Fast 1-day funding
Cons
- APR can be high for some
- APR can be high for some
- Origination fee possible
- Origination fee possible
LendingClub Personal Loan
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