Choose your offer
Confirm the loan amount, interest rate, annual percentage rate (APR), monthly payment, and loan term if you want to move forward.
Accept your loan terms
You'll get a Truth in Lending Disclosure that outlines the total amount you're borrowing, your finance changes, the origination fee, and the estimated additional cash. If we need any other documents or information, we'll let you know in your To-Do List.
Get funded
Once your loan is funded, we’ll refinance your existing loan, make any necessary adjustments, and send the additional cash straight to your bank account. Please allow at least 30 days for your credit report to show your previous loan as paid off.
Maintain your credit
A TopUp™ loan could positively impact your credit down the road if you can show a history of on-time payments and a reduction in overall debt (that means no new debt, like higher credit card balances).
What happens after I check my rate?
Additional Before You Apply FAQ
- Am I required to take out extra cash?
- What is a TopUp loan?
- What products are similar to TopUp?
- Are there any fees?
- How can I use the cash portion of my TopUp loan?
- What could affect the final amount of cash funds I receive?
- Will checking my rate affect my credit score?
- How much can I borrow?
- How quickly can I get my TopUp loan?
Keep more of what you earn and earn more on what you save.
Check your rate. It won’t impact your credit score.
LendingClub Resources
Related Resource Center
Find a loan that not only meets your needs, but one you have a good chance of qualifying for.
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Related Impact
From groceries and diapers to Halloween costumes for pets, nearly 60% of American consumers prefer to shop online for everyday items that make life more convenient, comfortable, and enjoyable. And with rising prices showing no signs of stopping anytime soon, we’re pleased to introduce StackitTM from LendingClub Bank—a new browser extension that automatically finds and rewards eligible members with coupons and cash back for extra savings at more than 15,000 favorite online retailers.
Even in today’s low-yield, high-inflation environment, it’s essential to keep a certain amount of money in an easy-to-access checking or savings account for things like daily household and emergency expenses, or to meet short-term financial goals.
Since 2007, LendingClub has been on a mission to deliver a world-class experience to all our members. This month we took a moment to reflect on the more than four million members who have chosen LendingClub as their partner to help them reach their financial goals.
In March 2022, we hosted our first quarterly webinar where we celebrated our one-year anniversary as a digital marketplace bank.
LendingClub completed the acquisition of Radius Bank in February 2021. At that time, in addition to the direct-to-consumer deposit business, we inherited a fintech partner program, and several lending businesses. As we reach the one-year anniversary of the acquisition, and in conjunction with the conclusion of a strategic review of our business operations, we have made the decision to discontinue certain businesses that don’t fit our mission.
Related FAQ's
Related Glossary
{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment.
A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
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