The TopUp™ loan gives you the extra money you need and allows you to swap out your existing LendingClub Bank personal loan at the same or better rate.
Once approved, we'll refinance your current personal loan into the TopUp loan for your remaining loan balance plus the extra amount you want to borrow. Then, we'll send the additional cash right to your bank account. The additional cash you will receive is shown as an estimate.
Your TopUp loan interest rate will have the same or lower rate than your current LendingClub Personal loan for the same term. The annual percentage rate may differ based on the origination fee charged on your TopUp loan. Keep in mind that if you choose a longer term than your current personal loan, your interest rate may also differ. Refinancing your current personal loan and extending the time you are expected to pay it off could result in more interest paid over the term of the loan.
What is a TopUp loan?
Additional Before You Apply FAQ
- Am I required to take out extra cash?
- What happens after I check my rate?
- 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.
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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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