Is Lending Club Hard To Get Approved?
Pros: Accessible to most borrowers: LendingClub requires a minimum credit score of 600 to qualify. However, the best loan terms will go to borrowers with high incomes and excellent credit scores. Offers joint applications: If you won't qualify for a loan on your own, you may be able to apply with a co-borrower.
Does LendingClub do a hard credit pull?
When you check your rate through LendingClub, we use a soft inquiry. We'll only do a hard pull of your credit (which could affect your credit score) once your loan is approved. ... Being declined doesn't hurt your credit.
Understanding your credit score - LendingClub
Does LendingClub require proof of income?
To process your loan, we may need to confirm your income matches what was on your application. If this happens, we'll ask you to submit documents like recent pay stubs or bank statements through your To-Do List.
Confirming your income - LendingClub