{"slug":"capital-one-vs-lendingclub))","title":"Capital One vs LendingClub","url":"https://www.aversusb.net/compare/capital-one-vs-lendingclub))","faqCount":5,"faqs":[{"question":"Which lender has the lowest APR for personal loans?","answer":"LendingClub offers the lowest starting APR at 6.94%, compared to Capital One's 8.99%. However, LendingClub requires a minimum credit score of 620, while Capital One approves borrowers with credit scores as low as 580."},{"question":"Can I get a personal loan from Capital One or LendingClub with bad credit?","answer":"Capital One is more accessible for bad credit, accepting credit scores as low as 580. LendingClub requires a minimum credit score of 620, making it less suitable for those with poor credit histories. Neither lender specializes in subprime lending."},{"question":"Does LendingClub charge prepayment penalties?","answer":"No, LendingClub does not charge prepayment penalties, so you can pay off your loan early without additional fees. Capital One's prepayment policies vary by product but generally do not include prepayment penalties on personal loans."},{"question":"Which lender has better customer service?","answer":"Capital One has an advantage with 1,800+ physical branches for in-person support and a mobile app rated 4.6 stars with 500k+ reviews. LendingClub operates online-only with a 4.5-star app rating (180k+ reviews), offering phone and email support but no branch locations."},{"question":"How fast can I get funded with each lender?","answer":"LendingClub is faster, funding personal loans in as little as 1 business day. Capital One typically takes 2-3 business days to fund loans. Both lenders offer quick online applications, but LendingClub's peer-to-peer model enables faster processing."}],"faqPageSchema":{"@context":"https://schema.org","@type":"FAQPage","@id":"https://www.aversusb.net/compare/capital-one-vs-lendingclub))#faq","url":"https://www.aversusb.net/compare/capital-one-vs-lendingclub))","inLanguage":"en-US","name":"Capital One vs LendingClub — FAQ","description":"Frequently asked questions about Capital One vs LendingClub","dateModified":"2026-07-07T09:24:49.566Z","author":{"@type":"Organization","@id":"https://www.aversusb.net/#organization","name":"A Versus B"},"publisher":{"@type":"Organization","@id":"https://www.aversusb.net/#organization","name":"A Versus B"},"isPartOf":{"@type":"Article","@id":"https://www.aversusb.net/compare/capital-one-vs-lendingclub))#article"},"license":"https://creativecommons.org/licenses/by/4.0/","speakable":{"@type":"SpeakableSpecification","cssSelector":["#faq",".faq-item"]},"mainEntity":[{"@type":"Question","name":"Which lender has the lowest APR for personal loans?","acceptedAnswer":{"@type":"Answer","text":"LendingClub offers the lowest starting APR at 6.94%, compared to Capital One's 8.99%. However, LendingClub requires a minimum credit score of 620, while Capital One approves borrowers with credit scores as low as 580.","inLanguage":"en-US","url":"https://www.aversusb.net/compare/capital-one-vs-lendingclub))"}},{"@type":"Question","name":"Can I get a personal loan from Capital One or LendingClub with bad credit?","acceptedAnswer":{"@type":"Answer","text":"Capital One is more accessible for bad credit, accepting credit scores as low as 580. LendingClub requires a minimum credit score of 620, making it less suitable for those with poor credit histories. Neither lender specializes in subprime lending.","inLanguage":"en-US","url":"https://www.aversusb.net/compare/capital-one-vs-lendingclub))"}},{"@type":"Question","name":"Does LendingClub charge prepayment penalties?","acceptedAnswer":{"@type":"Answer","text":"No, LendingClub does not charge prepayment penalties, so you can pay off your loan early without additional fees. Capital One's prepayment policies vary by product but generally do not include prepayment penalties on personal loans.","inLanguage":"en-US","url":"https://www.aversusb.net/compare/capital-one-vs-lendingclub))"}},{"@type":"Question","name":"Which lender has better customer service?","acceptedAnswer":{"@type":"Answer","text":"Capital One has an advantage with 1,800+ physical branches for in-person support and a mobile app rated 4.6 stars with 500k+ reviews. LendingClub operates online-only with a 4.5-star app rating (180k+ reviews), offering phone and email support but no branch locations.","inLanguage":"en-US","url":"https://www.aversusb.net/compare/capital-one-vs-lendingclub))"}},{"@type":"Question","name":"How fast can I get funded with each lender?","acceptedAnswer":{"@type":"Answer","text":"LendingClub is faster, funding personal loans in as little as 1 business day. Capital One typically takes 2-3 business days to fund loans. Both lenders offer quick online applications, but LendingClub's peer-to-peer model enables faster processing.","inLanguage":"en-US","url":"https://www.aversusb.net/compare/capital-one-vs-lendingclub))"}}]}}