Capital One is a traditional bank offering credit cards, auto loans, and savings accounts with established brick-and-mortar presence, while LendingClub is a peer-to-peer lending platform specializing in personal loans with faster approval and more flexible credit requirements. Capital One serves mainstream borrowers seeking comprehensive banking, while LendingClub targets those needing quick personal loans with alternative credit considerations.
Capital One vs LendingClub — Side-by-side comparison on A Versus B
Major US bank offering credit cards, auto loans, mortgages, and deposit products with 900+ branches.
Peer-to-peer lending platform specializing in personal loans with rapid approval and flexible credit assessment.
Business Model. Personal Loan APR Range. Average Approval Time. Credit Score Requirement (minimum). Product Offerings. FDIC Insurance Coverage. Loan Amount Range
Choose Capital One if you need comprehensive banking services, FDIC-insured deposits, multiple product types, or larger loan amounts—it's best for mainstream borrowers with established credit. Choose LendingClub if you need a personal loan quickly with flexible credit requirements and competitive rates—it's ideal for those seeking fast funding or those with non-traditional credit histories.
Capital One Financial Corporation: 0 branches | LendingClub: N/A
Capital One Financial Corporation: 70,000+ ATMs (Allpoint) | LendingClub: N/A
Capital One Financial Corporation: $0 | LendingClub: N/A
Savings Account Annual Percentage Yield (APY)
Capital One Financial Corporation: 4.70% on 360 Savings | LendingClub: N/A
Capital One Financial Corporation: 5% max (rotating categories) | LendingClub: N/A
Capital One Financial Corporation: $35 per overdraft | LendingClub: N/A
Capital One Financial Corporation: 74/100 | LendingClub: N/A
Capital One Financial Corporation: $0 (no fee regardless) | LendingClub: N/A
Capital One Financial Corporation: $35.7 billion | LendingClub: N/A
Capital One Financial Corporation: 20.4% | LendingClub: N/A
Capital One Financial Corporation: 500+ | LendingClub: N/A
Capital One Financial Corporation: 70 million | LendingClub: N/A
Capital One Financial Corporation: 53,000 | LendingClub: N/A
Capital One Financial Corporation: 0.85% | LendingClub: Not offered
Capital One Financial Corporation: 4.8/5.0 | LendingClub: N/A
Capital One Financial Corporation: 9.99%-35.89% | LendingClub: 6.95%-35.85%
Capital One Financial Corporation: 620 | LendingClub: 600
Capital One Financial Corporation: $35,000 | LendingClub: $40,000
Capital One Financial Corporation: 1% - 10% | LendingClub: 0% - 12%
Capital One Financial Corporation: $418.6B | LendingClub: $12.8B
Capital One Financial Corporation: 195 million | LendingClub: 1.6 million customers
Capital One Financial Corporation: 25+ | LendingClub: 0
Capital One Financial Corporation: 3-7 days | LendingClub: 1 day (same-day available)
Capital One Financial Corporation: 3-5 business days | LendingClub: 1-3 business days
Capital One Financial Corporation: 580 (varies by product) | LendingClub: 620
Capital One Financial Corporation: $250,000 per account type | LendingClub: Not applicable
Capital One Financial Corporation: 25+ card options | LendingClub: 0 cards
Capital One Financial Corporation: 200+ branches in 20+ states | LendingClub: 0 branches (online only)
Capital One Financial Corporation: Yes, up to $100,000 | LendingClub: No auto loans
Capital One Financial Corporation: $1,000 | LendingClub: $1,000
Capital One Financial Corporation: $50,000 | LendingClub: $40,000
Capital One Financial Corporation: 3-7 days | LendingClub: 1-2 days
Capital One Financial Corporation: 15+ products | LendingClub: 0 products
Capital One Financial Corporation: 15+ million | LendingClub: 4.5+ million
Capital One Financial Corporation: Yes, up to $250,000 | LendingClub: No coverage
Capital One Financial Corporation: 12.99% | LendingClub: N/A
Capital One Financial Corporation: 35.99% | LendingClub: N/A
Capital One Financial Corporation: 24-72 hours | LendingClub: N/A
Capital One Financial Corporation: 0% | LendingClub: N/A
Capital One Financial Corporation: 0.25% | LendingClub: N/A
Capital One Financial Corporation: 24/7 phone, chat, in-person branches | LendingClub: N/A
Capital One Financial Corporation: 580 | LendingClub: 550
Capital One Financial Corporation: 6.99% | LendingClub: 6.68%
Capital One Financial Corporation: 5-7 days | LendingClub: 1-3 days
Capital One Financial Corporation: $250,000 per account | LendingClub: None
Capital One Financial Corporation: ~900 branches | LendingClub: 0 (online only)
Capital One Financial Corporation: $161.1B (2024) | LendingClub: $7.2B (2024)
Capital One Financial Corporation: 24-84 months | LendingClub: 36-60 months
Capital One Financial Corporation: N/A | LendingClub: 6.95%
Capital One Financial Corporation: N/A | LendingClub: 35.99%
Capital One Financial Corporation: N/A | LendingClub: 2-3 days
Capital One Financial Corporation: N/A | LendingClub: 0% - 12%
Capital One Financial Corporation: N/A | LendingClub: 2 options (36/60 mo)
Capital One Financial Corporation: N/A | LendingClub: None
Capital One Financial Corporation: N/A | LendingClub: 0 cards
Capital One Financial Corporation: N/A | LendingClub: 1% - 10%
Capital One Financial Corporation: N/A | LendingClub: 3.5+ million
Capital One Financial Corporation: N/A | LendingClub: 6%
Capital One Financial Corporation: N/A | LendingClub: 3-7
Capital One Financial Corporation: N/A | LendingClub: 1 (personal loans only)
Capital One Financial Corporation: N/A | LendingClub: 24-72 hours
Capital One Financial Corporation: N/A | LendingClub: 84 months
Capital One Financial Corporation: N/A | LendingClub: $10-$15
Capital One Financial Corporation: N/A | LendingClub: 4.2 out of 5
Capital One Financial Corporation: N/A | LendingClub: 6.94%
Capital One Financial Corporation: N/A | LendingClub: 1 business day
Capital One Financial Corporation — Wikipedia
How to choose between Capital One Financial Corporation and LendingClub
Compare Capital One Financial Corporation vs LendingClub
Capital One vs LendingClub — Structured Comparison Data
Machine-readable comparison dataset for Capital One vs LendingClub. Contains 70 attribute comparisons, 5 FAQ pairs.
Capital One vs LendingClub — Attribute Category Vocabulary
Taxonomy of attribute categories used to classify comparison data for Capital One vs LendingClub.
Which lender is faster for personal loans?
LendingClub is significantly faster, with approval in 1-3 business days and same-day funding options, compared to Capital One's 5-7 business day timeline. This makes LendingClub ideal for urgent funding needs.
LendingClub is more accessible with a minimum credit score of 550 and consideration of alternative credit data, while Capital One requires a minimum score of 580. However, both consider multiple factors beyond credit score alone.
LendingClub doesn't offer FDIC insurance like Capital One does, but loans are issued through WebBank, an FDIC-insured partner. For borrowers rather than lenders, this distinction is less relevant since you're receiving a loan, not depositing funds.
What if I need products beyond personal loans?
Capital One offers a full suite of banking products including credit cards, auto loans, mortgages, checking and savings accounts. LendingClub specializes exclusively in personal loans and debt consolidation, making Capital One the choice for comprehensive banking needs.
LendingClub offers a slightly lower starting APR at 6.68% versus Capital One's 6.99%, but both lenders' rates depend heavily on creditworthiness. For well-qualified borrowers, the difference is marginal, and approval odds may differ more meaningfully.
How to Choose Between Capital One Financial Corporation and LendingClub
Business Model: Capital One Financial Corporation has Traditional bank with FDIC insurance, while LendingClub has Peer-to-peer lending marketplace.
Personal Loan APR Range: Capital One Financial Corporation has 6.99% - 35.99%, while LendingClub has 6.68% - 35.99%.
Average Approval Time: Capital One Financial Corporation has 5-7 business days, while LendingClub has 1-3 business days.
Consider: Credit Score Requirement (minimum)
Credit Score Requirement (minimum): Capital One Financial Corporation has 580 (unsecured), while LendingClub has 550 (with alternative data).
Product Offerings: Capital One Financial Corporation has Credit cards, auto loans, mortgages, savings, checking, while LendingClub has Personal loans, credit card consolidation.
FDIC Insurance Coverage: Capital One Financial Corporation has Yes, up to $250,000, while LendingClub has No (notes issued through WebBank).
Loan Amount Range: Capital One Financial Corporation has $300 - $50,000, while LendingClub has $1,000 - $40,000.