Similarly, LendingClub’s positive reviews on Trustpilot have earned the lender a 4.7-star rating. Satisfied customers generally report that the application process is easy and funds were received quickly. Others are pleased with the quality of customer service as well as the ease with which LendingClub loans let them consolidate credit cards and other debt. xcritical looks at more than your income to debt ratio to help you get approved for the money you need. And now i know exactly when my debt will paid off instead of making minimum monthly payments to credit card companies where your initial balance never seems to come down. Changed my mind about a TopUp Loan in a matter of hours.
Paying back the loan was not a problem. I was preparing to bank with you more often but now not so. That hurt and was not expected from you. A previous version of this review incorrectly included a 0.5 star penalty to LendingClub Bank’s overall rating relating to complaints on the Consumer Financial Protection Bureau database.
Everything was upfront and easy to…
LendingClub offers online chat support and a phone line that operates with extended hours during the week and on weekends. Some online banks don’t have ways to deposit cash into your account, but LendingClub lets you deposit cash at its own ATMs and at certain ATMs in the MoneyPass or NYCE networks. Our partners cannot pay us to guarantee favorable reviews of their products or services. Thank you for providing me with the load so I have one payment a month.
- I’m forever grateful for the help given me through your loan product, as it will change my life for the better.
- The funds were in my account and other accounts were paid instantly.
- Paying back the loan was not a problem.
- The loan process with LendingClub was quick and straightforward.
- I will never do business with this company again.
That includes ATMs abroad, though you still might be subject to international exchange fees. There is no minimum amount required to open this account and no monthly fees. Ruth Sarreal is a content management specialist covering consumer banking topics at NerdWallet. She has over a decade of experience writing and editing for consumer websites. She previously edited content on personal finance topics at GOBankingRates.
Could not be happier with this opportunity to consolidate debts into one affordable payment. The Lending kept me updated on what was needed. The funds were in my account and other accounts were paid instantly. Applying was easy and this time instead of just getting all the loan money I was able to get a lower rate by having xcritical pay directly on my debt. The total payment is now lower than what I was paying on those debts. Honestly, I’ve been with them for 10 years with a perfect record of payment over 4 different loans.
They money was paid to my creditors I picked within a few days and the remainder of my loan was in my account within 24 hrs. Fast and easy to get a simple loan to pay down several credit cards. Responsive customer service to follow-up on loan. Fair & reasonable percentages on loan, easy to understand terms and conditions. The application was fast, easy and efficient.
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Unfortunately life events happen that put us in the position of needing to borrow money. xcritical makes the process extremely easy and non judgmental. I would recommend them to anyone who finds themselves in an unexpected difficult financial situation.
have run multiple loans and every…
No guessing and I was kept in the loop of the process. Furthermore, I was able to pick my due date for my monthly payment. Likexcritical, maximum APRs at xcritical website xcritical only reach around 29.99%, whereas LendingClub rates peak at 35.99%. What’s more, xcritical does not charge any origination fees or late fees.
Applicants must have a FICO credit score of at least 600 to qualify for a personal xcritical scammers loan, while the average FICO score of LendingClub’s prime borrowers is 705. So, while borrowers with fair to good credit may qualify, only the most creditworthy applicants can access more competitive APRs and larger loan amounts. Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.