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Lendingclub
LendingClub 2023 auto loan review, published 2023-01-01 at 00:00:00.
Authored by Emma Woodward Written by Contributing writer

Emma Woodward is a former contributor to Bankrate and freelance writer who loves writing to help people understand personal finance topics. She has written for businesses and publications like Finch, Toast, JBD Clothiers and The Financial Diet.







Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to manage their finances with concise, well-researched and well-researched content that breaks down otherwise complex topics into manageable bites.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by offering interactive tools and financial calculators, publishing original and objective content, by enabling users to conduct studies and compare data for free to help you make financial decisions with confidence. Bankrate has agreements with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this website are provided by companies who pay us. This compensation could affect how and where products appear on the site, such as, for example, the sequence in which they be displayed within the listing categories and other categories, unless prohibited by law for our loans, mortgages, and other home loan products. However, this compensation will have no impact on the content we publish or the reviews you see on this site. We do not contain the entire universe of businesses or financial offers that may be available to you.




About our reviews . Editorial disclosure Reviewers are supervised by our staff. The opinions expressed in them are only the opinions of the reviewer and have not been reviewed or acknowledged by any advertising company. The information that is included, including rates and fees that are included in the review are accurate at the time that the review was written. Check the data at the top of this page and the lender's website for the most current details.








At a look 3.8 Rating: 3.8 stars out of 5
Bankrate Score

Availability Rating: 3.5 stars out of 5
Cost of Affordability: 3.6 stars out of 5
Customer Experience Rating: 4.4 stars out of five
Transparency Rating: 5 stars out five


Check auto loan rates


About LendingClub's loan amount of $4,000 to $55,000
Min. credit score of 600
APR from 2.99% to 24.99 percent
Funds available in Typically within 2 days



Pros and cons of LendingClub auto loans The fact is that not every auto loan qualifies for a refinance with LendingClub however, if your credit isn't strong, it may not be the best choice.
PROS No origination fees
Apply online and receive an instant quote

CONS High maximum APR
Not available for all cars
State and vehicle restrictions





You might recognize LendingClub for its peer-to-peer (P2P) lending service for personal loans However, it could also help you with auto loan refinancing. LendingClub provides a different approach to financing. Instead of private financing as a traditional bank, LendingClub features a streamlined online application process and connects individual lenders with individual customers to assist with various funding requirements.

Do you qualify? LendingClub has a few requirements for auto loan refinancing. Applicants should be at least 18 years old and have a vehicle that meets these basic qualifications the vehicle should not exceed 10 years old Vehicle must have 120,000 miles or less Remaining auto loan balance must be in the range of $4,000 to $55,000 Existing auto loan must be at least one month old Existing auto loan must have at least 24 months remaining. Vehicle must be legally registered and titled in the state in which you currently reside. residence
Ineligible vehicles Aston Martin Chevrolet Express G-Series Van Cross Lander Daewoo Ferrari Hummer Isuzu Lamborghini Maserati Mercury Nissan Leaf Oldsmobile Pontiac Saab Saturn Suzuki Volkswagen Diesel


What we love and what we dislike about LendingClub makes it easy to check your approval odds and choose the loan that works for you However, there are limitations that could make you ineligible for auto refinancing. We like the fact that there are no origination fees. Many lenders charge substantial loan origination fees -- which will cover the costs of processing the initial loan application -- but LendingClub does not charge such fees for an automobile loan refinance. Apply online for an instant offer. Applying for a LendingClub automobile loan refinance is simple and you'll get an offer that includes rates available to you in just a few minutes. What we don't like High maximum APR. If your credit isn't in the best shape, you may be charged an 24.99 percentage APR. This offer is not available to all vehicles. If you own a car that is older than 10 years it isn't eligible to receive an loan refinance through LendingClub. The car must also have less than 120,000 miles and be not one of the prohibited makes or models. There are restrictions on registrations for state vehicles. Refinancing is not available to customers who reside in Alaska, District of Columbia, Hawaii, Maine, New Hampshire, North Dakota, Vermont, West Virginia and Wyoming. Contact LendingClub LendingClub offers a few options to help with the auto loan refinance questions. You can check out its Help page to determine whether they have an answer to your query. If not, contact them by phone or via email. Customer service is available from 5 a.m. until 5 p.m. on Monday through Friday, and between 8 a.m. until 5 p.m. on Saturdays.
Auto loan types offered LendingClub provides P2P lending options for a wide range of loan types. When it comes to auto loans, it only offers loan refinancing that comes with low rates. The average borrower saves $86 on their monthly payment, according to the website. LendingClub doesn't offer auto loans to aid in the purchase of a new automobile at this moment.
How do you apply for an loan with LendingClub The process to apply using LendingClub is easy on its website. You will be required to fill in your personal details, including your complete name, address and income. In addition, you'll need to provide information about your current auto loan with details about the VIN (vehicle identification number), year, make, model, color and the trim level. If you're qualified for an auto loan then your next task is uploading your requested documentation to verify the information included on your loan application and receive an official loan approval.

Required application information Driving license, registration of vehicle proof of insurance Documents that confirm earnings, such as the pay stub


LendingClub FAQs
Are you able to get preapproved for a loan using LendingClub? You can find out your rate in minutes without impacting your credit score. But if you decide to move forward with the loan application, a formal inquiry into your credit will be made.



Does LendingClub have a credit score requirement? LendingClub does not provide a minimum credit score requirement for auto refinancing. However, the best rates are typically offered to those with good or excellent credit.



How does Bankrate rate LendingClub
Overall score
3.8
The availability
3.5
LendingClub offers an inventory of brands and models that are not eligible for refinancingand restrictions on age and mileage. The company also does not offer loans to borrowers who's cars are registered in 15 states.
Affordability
3.6
The absence of an origination fee is a major advantage for LendingClub, however its high APR maximum as well as the stringent eligibility requirements and lack of discount for autopay knock it down to middle of the pack.
Customer experience
4.4
LendingClub offers an app, online access, a tight funding timeline and customer support available seven every day of the week.
Transparency
5
Rates and charges are freely accessible on the website of LendingClub, and it allows to prequalify.


Methodology Bankrate considers 18 data points when deciding on the top auto loans. Acceptance criteria, the rates or fees available and the APR range are all factors that affect lender scores. These scores are split into 4 categories. The availability of loans, repayment options, dealership requirements and state availability all play a role in this section. Affordability: This section contains APR ranges and acceptance criteria, as well as discounts and fees. Customer experience: How long you'll need to shop and the availability of customer service and whether or not there's an app and autopay availability are accounted for in this section. Transparency: This category accounts for the accessibility of rates and fees as well as whether prequalification is available.
Editorial disclosure The reviews are written by Bankrate.com staff. The opinions expressed in the review are only those of the reviewer and have not been evaluated or acknowledged by any advertising company. The information, including rates and fees provided in the review are accurate as of the date that the review was written. Check the data at the top of this page, and the lender's website for the most recent information.




Written by
Emma Woodward
Contributing to the writing


Emma Woodward is a former contributor for Bankrate and a freelance writer who is passionate about writing to help people understand personal finance topics. She has written for companies and publications like Finch, Toast, JBD Clothiers and The Financial Diet.
The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to manage their finances through providing clear, well-researched information that break down complex topics into manageable bites.






Auto loans editor










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