LendingClub offers personal loans up to $40,000 with competitive rates and repayment terms ranging from 12 to 60 months. They cater to borrowers with a variety of credit profiles, though better credit may qualify for lower interest rates. The application process is online, and funds can be available as soon as the next day after approval. LendingClub uses a peer-to-peer lending model, connecting borrowers with investors. Interest rates and fees vary based on creditworthiness, loan amount, and state regulations. While they provide access to larger loan amounts and longer terms, borrowers with lower credit scores may face higher interest rates. It's important to review the loan terms carefully and ensure that the repayment schedule fits your financial situation before accepting a loan from LendingClub.