LENDING CLUB CREDIT CRITERIA

[Anonymous]

I am curious if anyone has any experience with Lending Club, and what the credit criteria is for approval? My oral surgeon takes this financing along with Carecredit. Seems  Carecredit is awfully hard to get approval.

Any advice? Suggestions

My Scores right now are TU 600 Ex 607 Exp 603

income at $59,000

[IPIF]

Lending Club charges an origination fee. Did you consider a personal loan from a credit union?

[Anonymous]

Yes, however my credit union won’t let me have two personal loans at once. So I was looking for an alternative.

[Anonymous]

Hello
I just looked into this and my numbers were
Interest rate 13.08; APR 17.47.

The origination fee was $450 on $7500.
My FICO is 685. Hope this gives you an idea.

[BallBounces]

I am definitely not an expert, and your scores are a bit low, but I thought CareCredit was known to be soewhat liberal with approvals.

I can not envision a Lending Club APR would be very favourable in your situation ... like 29% plus (make sure to calculate the fees)  I would guess.