Loan comparison · United States
Evidence-led comparison of two leading local candidates. Affiliate commission does not influence the ranking. 2026-07-v1.
Evidence reviewed:
| Criterion | LendingClub Personal Loans | Upstart Personal Loans |
|---|---|---|
| Loan amount | $1,000 – $60,000 | $1,000 – $75,000 |
| APR / total cost | 5.96% – 35.99% APR | 6.2% – 35.99% APR |
| Repayment term | 24–84 months | 36–60 months |
| Funding time | Not published in the verified official source | Not published in the verified official source |
| Evidence score | 90/100 | 60/100 |
LendingClub Bank, N.A.
Eligibility, approval and final terms are decided only by the provider after its checks. Verify the current pre-contract disclosure before applying.
Provider details: LendingClub Personal Loans →Upstart Network Inc
Eligibility, approval and final terms are decided only by the provider after its checks. Verify the current pre-contract disclosure before applying.
Provider details: Upstart Personal Loans →The evidence score weights verified cost 30%, transparency 20%, availability and conditions 15%, repayment flexibility 15%, consumer protection 10%, and speed 10%. Affiliate revenue has 0% weight. Unknown product facts score zero and remain unpublished.
Local regulatory context: CFPB, State Banking Departments. Inclusion in this comparison does not replace checking the provider’s current authorisation and product disclosure.
Check total repayment, every fee, late-payment consequences, data use, complaint channels and whether the payment remains affordable after essential expenses.
Consider borrowing less, delaying the expense, a payment plan, savings, regulated community support or a lower-cost bank or credit-union product.
Reviewed by Rostislav Sikora. Editorial comparison only; Credizen does not approve loans or guarantee availability, pricing or acceptance.
No. The ranking measures published evidence, not personal suitability. Your actual offer and affordability can change the outcome.
No. A number is shown only when supported by a verified official product source.