![]() ![]() You’ll choose the loan you want, and at that point, the application process will become more formalized. At this point, LendingClub will do only a soft credit pull, which will reveal your credit information without hurting your credit score. With the above information, you’ll receive one or more loan offers, if you qualify. Choosing to pay individually (Just Me) or jointly (Two Of Us). ![]() Once you input that information, you’ll be presented with a series of screens requesting additional information. You’ll start the process by prequalifying directly from the LendingClub webpage by indicating the amount of financing you need, as well as the purpose. How to apply for a LendingClub personal loan This may not only enable loan approval but also more favorable terms, including a lower interest rate.Ĭo-borrowers must meet all the requirements of the primary borrower and will be equally liable for repayment on the loan. You can then apply for a joint personal loan. LendingClub recommends adding a qualified co-borrower if you do not meet credit or income requirements.
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