All loans made by WebBank, Member FDIC . Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 5.99% to 35.89%. For example , you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at time of application . The origination fee ranges from 1% to 6% and the average origination fee is 5.49% as of Q1 2017. There is no down payment and there is never a prepayment penalty . Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the this website. All loans via Lending Club have a minimum repayment term of 36 months or longer . Copyright© 2006-2017. All rights reserved.