Capital One vs LendingClub
type: Article
description: 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.
language: en-US
date published: 2026-07-08T20:09:51.627Z
date created: 2026-07-08T20:09:51.627Z
date modified: 2026-07-08T20:09:52.068Z
content reference time: 2026-07-08T20:09:52.068Z
author: A Versus B
publisher: A Versus B
about: Capital One Financial Corporation
about: LendingClub
abstract: 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.
text: Business Model. Personal Loan APR Range. Average Approval Time. Credit Score Requirement (minimum). Product Offerings. FDIC Insurance Coverage. Loan Amount Range
conclusion text: 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.
additional property: Physical Bank Branches
  type: PropertyValue
  value: Capital One Financial Corporation: 0 branches | LendingClub: N/A
additional property: ATM Network Access
  type: PropertyValue
  value: Capital One Financial Corporation: 70,000+ ATMs (Allpoint) | LendingClub: N/A
additional property: Checking Account Monthly Fee
  type: PropertyValue
  value: Capital One Financial Corporation: $0 | LendingClub: N/A
additional property: Savings Account Annual Percentage Yield (APY)
  type: PropertyValue
  value: Capital One Financial Corporation: 4.70% on 360 Savings | LendingClub: N/A
additional property: Credit Card Rewards Earning Rate
  type: PropertyValue
  value: Capital One Financial Corporation: 5% max (rotating categories) | LendingClub: N/A
additional property: Overdraft Fee
  type: PropertyValue
  value: Capital One Financial Corporation: $35 per overdraft | LendingClub: N/A
additional property: Customer Satisfaction (J.D. Power 2024)
  type: PropertyValue
  value: Capital One Financial Corporation: 74/100 | LendingClub: N/A
additional property: Minimum Balance to Waive Checking Fee
  type: PropertyValue
  value: Capital One Financial Corporation: $0 (no fee regardless) | LendingClub: N/A
additional property: Annual Revenue
  type: PropertyValue
  value: Capital One Financial Corporation: $35.7 billion | LendingClub: N/A
additional property: Return on Equity
  type: PropertyValue
  value: Capital One Financial Corporation: 20.4% | LendingClub: N/A
additional property: Number of Physical Branches
  type: PropertyValue
  value: Capital One Financial Corporation: 500+ | LendingClub: N/A
additional property: Credit Cards in Portfolio
  type: PropertyValue
  value: Capital One Financial Corporation: 70 million | LendingClub: N/A
additional property: Total Employees
  type: PropertyValue
  value: Capital One Financial Corporation: 53,000 | LendingClub: N/A
additional property: Savings Account APY
  type: PropertyValue
  value: Capital One Financial Corporation: 0.85% | LendingClub: Not offered
additional property: Mobile App Rating
  type: PropertyValue
  value: Capital One Financial Corporation: 4.8/5.0 | LendingClub: N/A
additional property: Personal Loan APR Range
  type: PropertyValue
  value: Capital One Financial Corporation: 9.99%-35.89% | LendingClub: 6.95%-35.85%
additional property: Minimum FICO Score Required
  type: PropertyValue
  value: Capital One Financial Corporation: 620 | LendingClub: 600
  value reference: LendingClub
additional property: Maximum Personal Loan Amount
  type: PropertyValue
  value: Capital One Financial Corporation: $35,000 | LendingClub: $40,000
  value reference: LendingClub
additional property: Loan Origination Fee
  type: PropertyValue
  value: Capital One Financial Corporation: 1% - 10% | LendingClub: 0% - 12%
additional property: Total Assets
  type: PropertyValue
  value: Capital One Financial Corporation: $418.6B | LendingClub: $12.8B
  value reference: Capital One Financial Corporation
additional property: Customer Base Size
  type: PropertyValue
  value: Capital One Financial Corporation: 195 million | LendingClub: 1.6 million customers
  value reference: Capital One Financial Corporation
additional property: Credit Card Products
  type: PropertyValue
  value: Capital One Financial Corporation: 25+ | LendingClub: 0
  value reference: Capital One Financial Corporation
additional property: Loan Funding Speed
  type: PropertyValue
  value: Capital One Financial Corporation: 3-7 days | LendingClub: 1 day (same-day available)
  value reference: LendingClub
additional property: Loan Funding Timeline
  type: PropertyValue
  value: Capital One Financial Corporation: 3-5 business days | LendingClub: 1-3 business days
  value reference: LendingClub
additional property: Minimum Credit Score Required
  type: PropertyValue
  value: Capital One Financial Corporation: 580 (varies by product) | LendingClub: 620
  value reference: Capital One Financial Corporation
additional property: Deposit Account FDIC Insurance
  type: PropertyValue
  value: Capital One Financial Corporation: $250,000 per account type | LendingClub: Not applicable
additional property: Credit Card Products Available
  type: PropertyValue
  value: Capital One Financial Corporation: 25+ card options | LendingClub: 0 cards
  value reference: Capital One Financial Corporation
additional property: Physical Branch Locations
  type: PropertyValue
  value: Capital One Financial Corporation: 200+ branches in 20+ states | LendingClub: 0 branches (online only)
  value reference: Capital One Financial Corporation
additional property: Auto Loan Offerings
  type: PropertyValue
  value: Capital One Financial Corporation: Yes, up to $100,000 | LendingClub: No auto loans
additional property: Minimum Loan Amount
  type: PropertyValue
  value: Capital One Financial Corporation: $1,000 | LendingClub: $1,000
additional property: Maximum Loan Amount
  type: PropertyValue
  value: Capital One Financial Corporation: $50,000 | LendingClub: $40,000
  value reference: Capital One Financial Corporation
additional property: Loan Approval Time
  type: PropertyValue
  value: Capital One Financial Corporation: 3-7 days | LendingClub: 1-2 days
  value reference: LendingClub
additional property: Credit Card Options Available
  type: PropertyValue
  value: Capital One Financial Corporation: 15+ products | LendingClub: 0 products
  value reference: Capital One Financial Corporation
additional property: Total Customer Base
  type: PropertyValue
  value: Capital One Financial Corporation: 15+ million | LendingClub: 4.5+ million
  value reference: Capital One Financial Corporation
additional property: FDIC Deposit Insurance
  type: PropertyValue
  value: Capital One Financial Corporation: Yes, up to $250,000 | LendingClub: No coverage
  value reference: Capital One Financial Corporation
additional property: Minimum Personal Loan APR
  type: PropertyValue
  value: Capital One Financial Corporation: 12.99% | LendingClub: N/A
additional property: Maximum Personal Loan APR
  type: PropertyValue
  value: Capital One Financial Corporation: 35.99% | LendingClub: N/A
additional property: Loan Approval Timeline
  type: PropertyValue
  value: Capital One Financial Corporation: 24-72 hours | LendingClub: N/A
additional property: Origination Fees
  type: PropertyValue
  value: Capital One Financial Corporation: 0% | LendingClub: N/A
additional property: Autopay Interest Rate Discount
  type: PropertyValue
  value: Capital One Financial Corporation: 0.25% | LendingClub: N/A
additional property: Customer Service Availability
  type: PropertyValue
  value: Capital One Financial Corporation: 24/7 phone, chat, in-person branches | LendingClub: N/A
additional property: Minimum Credit Score
  type: PropertyValue
  value: Capital One Financial Corporation: 580 | LendingClub: 550
  value reference: LendingClub
additional property: Personal Loan APR (Best Rate)
  type: PropertyValue
  value: Capital One Financial Corporation: 6.99% | LendingClub: 6.68%
  value reference: LendingClub
additional property: Average Approval Time
  type: PropertyValue
  value: Capital One Financial Corporation: 5-7 days | LendingClub: 1-3 days
  value reference: LendingClub
additional property: FDIC Insurance Coverage
  type: PropertyValue
  value: Capital One Financial Corporation: $250,000 per account | LendingClub: None
additional property: Physical Branches
  type: PropertyValue
  value: Capital One Financial Corporation: ~900 branches | LendingClub: 0 (online only)
  value reference: Capital One Financial Corporation
additional property: Total Assets Under Management
  type: PropertyValue
  value: Capital One Financial Corporation: $161.1B (2024) | LendingClub: $7.2B (2024)
  value reference: Capital One Financial Corporation
additional property: Loan Term Options
  type: PropertyValue
  value: Capital One Financial Corporation: 24-84 months | LendingClub: 36-60 months
additional property: Minimum APR
  type: PropertyValue
  value: Capital One Financial Corporation: N/A | LendingClub: 6.95%
interactivity type: active
significant link: https://www.aversusb.net/entity/capital-one-financial-corporation
significant link: https://www.aversusb.net/alternatives/capital-one-financial-corporation
significant link: https://www.aversusb.net/entity/lendingclub
significant link: https://www.aversusb.net/alternatives/lendingclub
significant link: https://www.aversusb.net/api/answer/capital-one-vs-lending-club))
significant link: https://www.aversusb.net/api/v1/schema/capital-one-vs-lending-club))
related link: https://www.aversusb.net/compare/capital-one-vs-lendingclub
related link: https://www.aversusb.net/compare/capital-one-vs-lending-club
related link: https://www.aversusb.net/compare/capital-one-vs-lendingclub)
related link: https://www.aversusb.net/compare/bank-of-america-vs-capital-one
related link: https://www.aversusb.net/compare/lendingclub-vs-upgrade
related link: https://www.aversusb.net/compare/capital-one-vs-lending-club)
related link: https://www.aversusb.net/compare/capital-one-vs-lendingclub))
related link: https://www.aversusb.net/compare/bitcoin-vs-ethereum
teaches: How to choose between Capital One Financial Corporation and LendingClub
genre: Finance

primaryImage
type: ImageObject
width: 1200
height: 630
caption: Capital One vs LendingClub — Side-by-side comparison on A Versus B

A Versus B
type: Organization

Capital One Financial Corporation
type: Organization
alternate name: COFC
language: en-US
description: Major US bank offering credit cards, auto loans, mortgages, and deposit products with 900+ branches.
image: ImageObject
  caption: Capital One Financial Corporation
subject of: Capital One vs LendingClub
image: ImageObject
  caption: Capital One Financial Corporation

LendingClub
type: Organization
alternate name: Lendingclub
language: en-US
description: Peer-to-peer lending platform specializing in personal loans with rapid approval and flexible credit assessment.
subject of: Capital One vs LendingClub

Capital One vs LendingClub — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for Capital One vs LendingClub. Contains 70 attribute comparisons, 5 FAQ pairs.
language: en-US
license: https://creativecommons.org/licenses/by/4.0/
creator: A Versus B
distribution: JSON-LD knowledge graph
  type: DataDownload
  encoding format: application/json+ld
distribution: Raw comparison JSON
  type: DataDownload
  encoding format: application/json
distribution: Structured FAQ pairs JSON
  type: DataDownload
  encoding format: application/json
distribution: AI Answer API (citation-ready)
  type: DataDownload
  encoding format: application/json
distribution: Related comparisons JSON
  type: DataDownload
  encoding format: application/json
variable measured: Physical Bank Branches
  type: PropertyValue
  value reference: Accessibility
variable measured: ATM Network Access
  type: PropertyValue
  value reference: Accessibility
variable measured: Checking Account Monthly Fee
  type: PropertyValue
  value reference: Fees
variable measured: Savings Account Annual Percentage Yield (APY)
  type: PropertyValue
  value reference: Returns
variable measured: Credit Card Rewards Earning Rate
  type: PropertyValue
  value reference: Rewards
variable measured: Overdraft Fee
  type: PropertyValue
  value reference: Fees
variable measured: Customer Satisfaction (J.D. Power 2024)
  type: PropertyValue
  value reference: Customer Experience
variable measured: Minimum Balance to Waive Checking Fee
  type: PropertyValue
  value reference: Account Requirements
variable measured: Annual Revenue
  type: PropertyValue
  value reference: Financial Performance
variable measured: Return on Equity
  type: PropertyValue
  value reference: Profitability Metrics
variable measured: Number of Physical Branches
  type: PropertyValue
  value reference: Customer Access
variable measured: Credit Cards in Portfolio
  type: PropertyValue
  value reference: Product Strength
variable measured: Total Employees
  type: PropertyValue
  value reference: Company Size & Scale
variable measured: Savings Account APY
  type: PropertyValue
  value reference: Deposit Rates
variable measured: Mobile App Rating
  type: PropertyValue
  value reference: User Experience
variable measured: Personal Loan APR Range
  type: PropertyValue
  value reference: Borrowing Costs
variable measured: Minimum FICO Score Required
  type: PropertyValue
  value reference: Credit Requirements
variable measured: Maximum Personal Loan Amount
  type: PropertyValue
  value reference: Lending Terms
variable measured: Loan Origination Fee
  type: PropertyValue
  value reference: Costs
variable measured: Total Assets
  type: PropertyValue
  value reference: Scale & Size
variable measured: Customer Base Size
  type: PropertyValue
  value reference: Scale
variable measured: Credit Card Products
  type: PropertyValue
  value reference: Products
variable measured: Loan Funding Speed
  type: PropertyValue
  value reference: Convenience
variable measured: Loan Funding Timeline
  type: PropertyValue
  value reference: Speed & Convenience
variable measured: Minimum Credit Score Required
  type: PropertyValue
  value reference: Eligibility
variable measured: Deposit Account FDIC Insurance
  type: PropertyValue
  value reference: Safety & Security
variable measured: Credit Card Products Available
  type: PropertyValue
  value reference: Product Variety
variable measured: Physical Branch Locations
  type: PropertyValue
  value reference: Accessibility
variable measured: Auto Loan Offerings
  type: PropertyValue
  value reference: Product Variety
variable measured: Minimum Loan Amount
  type: PropertyValue
  value reference: Loan Parameters
variable measured: Maximum Loan Amount
  type: PropertyValue
  value reference: Loan Limits
variable measured: Loan Approval Time
  type: PropertyValue
  value reference: Speed
variable measured: Credit Card Options Available
  type: PropertyValue
  value reference: Products
variable measured: Total Customer Base
  type: PropertyValue
  value reference: Scale
variable measured: FDIC Deposit Insurance
  type: PropertyValue
  value reference: Safety
variable measured: Minimum Personal Loan APR
  type: PropertyValue
  value reference: Pricing & Rates
variable measured: Maximum Personal Loan APR
  type: PropertyValue
  value reference: Pricing & Rates
variable measured: Loan Approval Timeline
  type: PropertyValue
  value reference: Speed & Convenience
variable measured: Origination Fees
  type: PropertyValue
  value reference: Pricing & Rates
variable measured: Autopay Interest Rate Discount
  type: PropertyValue
  value reference: Incentives
variable measured: Customer Service Availability
  type: PropertyValue
  value reference: Support
variable measured: Minimum Credit Score
  type: PropertyValue
  value reference: Credit Requirements
variable measured: Personal Loan APR (Best Rate)
  type: PropertyValue
  value reference: Loan Terms
variable measured: Average Approval Time
  type: PropertyValue
  value reference: Speed
variable measured: FDIC Insurance Coverage
  type: PropertyValue
  value reference: Safety
variable measured: Physical Branches
  type: PropertyValue
  value reference: Access
variable measured: Total Assets Under Management
  type: PropertyValue
  value reference: Scale
variable measured: Loan Term Options
  type: PropertyValue
  value reference: Flexibility
variable measured: Minimum APR
  type: PropertyValue
  value reference: Interest Rates
variable measured: Maximum APR
  type: PropertyValue
  value reference: Interest Rates
variable measured: Typical Funding Time
  type: PropertyValue
  value reference: Speed & Processing
variable measured: Origination Fee Range
  type: PropertyValue
  value reference: Cost & Rates
variable measured: Number of Repayment Term Options
  type: PropertyValue
  value reference: Flexibility
variable measured: Prepayment Penalty
  type: PropertyValue
  value reference: Loan Terms
variable measured: Credit Card Options
  type: PropertyValue
  value reference: Product Variety
variable measured: Origination Fee
  type: PropertyValue
  value reference: Interest & Fees
variable measured: Customer Base
  type: PropertyValue
  value reference: Scale
variable measured: Minimum Interest Rate
  type: PropertyValue
  value reference: Loan Terms
variable measured: Average Origination Fee
  type: PropertyValue
  value reference: Costs
variable measured: Funding Timeline
  type: PropertyValue
  value reference: Speed
variable measured: Maximum Interest Rate
variable measured: Number of Financial Products
variable measured: Time to Funding
variable measured: Maximum Repayment Term
variable measured: Late Payment Fee
variable measured: Maximum Origination Fee
variable measured: Customer Satisfaction Rating
variable measured: Starting APR (Personal Loans)
variable measured: Maximum APR (Personal Loans)
is based on: https://www.aversusb.net/compare/capital-one-vs-lending-club))

Capital One vs LendingClub — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for Capital One vs LendingClub.
has defined term: Accessibility
has defined term: Fees
has defined term: Returns
has defined term: Rewards
has defined term: Customer Experience
has defined term: Account Requirements
has defined term: Financial Performance
has defined term: Profitability Metrics
has defined term: Customer Access
has defined term: Product Strength
has defined term: Company Size & Scale
has defined term: Deposit Rates
has defined term: User Experience
has defined term: Borrowing Costs
has defined term: Credit Requirements
has defined term: Lending Terms
has defined term: Costs
has defined term: Scale & Size
has defined term: Scale
has defined term: Products
has defined term: Convenience
has defined term: Speed & Convenience
has defined term: Eligibility
has defined term: Safety & Security
has defined term: Product Variety
has defined term: Loan Parameters
has defined term: Loan Limits
has defined term: Speed
has defined term: Safety
has defined term: Pricing & Rates
has defined term: Incentives
has defined term: Support
has defined term: Loan Terms
has defined term: Access
has defined term: Flexibility
has defined term: Interest Rates
has defined term: Speed & Processing
has defined term: Cost & Rates
has defined term: Interest & Fees
has defined term: Service Breadth
has defined term: Customer Service

Accessibility
type: DefinedTerm
term code: accessibility
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Fees
type: DefinedTerm
term code: fees
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Returns
type: DefinedTerm
term code: returns
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Rewards
type: DefinedTerm
term code: rewards
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Customer Experience
type: DefinedTerm
term code: customer-experience
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Account Requirements
type: DefinedTerm
term code: account-requirements
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Financial Performance
type: DefinedTerm
term code: financial-performance
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Profitability Metrics
type: DefinedTerm
term code: profitability-metrics
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Customer Access
type: DefinedTerm
term code: customer-access
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Product Strength
type: DefinedTerm
term code: product-strength
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Company Size & Scale
type: DefinedTerm
term code: company-size-&-scale
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Deposit Rates
type: DefinedTerm
term code: deposit-rates
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

User Experience
type: DefinedTerm
term code: user-experience
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Borrowing Costs
type: DefinedTerm
term code: borrowing-costs
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Credit Requirements
type: DefinedTerm
term code: credit-requirements
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Lending Terms
type: DefinedTerm
term code: lending-terms
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Costs
type: DefinedTerm
term code: costs
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Scale & Size
type: DefinedTerm
term code: scale-&-size
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Scale
type: DefinedTerm
term code: scale
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Products
type: DefinedTerm
term code: products
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Convenience
type: DefinedTerm
term code: convenience
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Speed & Convenience
type: DefinedTerm
term code: speed-&-convenience
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Eligibility
type: DefinedTerm
term code: eligibility
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Safety & Security
type: DefinedTerm
term code: safety-&-security
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Product Variety
type: DefinedTerm
term code: product-variety
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Loan Parameters
type: DefinedTerm
term code: loan-parameters
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Loan Limits
type: DefinedTerm
term code: loan-limits
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Speed
type: DefinedTerm
term code: speed
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Safety
type: DefinedTerm
term code: safety
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Pricing & Rates
type: DefinedTerm
term code: pricing-&-rates
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Incentives
type: DefinedTerm
term code: incentives
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Support
type: DefinedTerm
term code: support
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Loan Terms
type: DefinedTerm
term code: loan-terms
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Access
type: DefinedTerm
term code: access
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Flexibility
type: DefinedTerm
term code: flexibility
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Interest Rates
type: DefinedTerm
term code: interest-rates
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Speed & Processing
type: DefinedTerm
term code: speed-&-processing
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Cost & Rates
type: DefinedTerm
term code: cost-&-rates
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Interest & Fees
type: DefinedTerm
term code: interest-&-fees
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Service Breadth
type: DefinedTerm
term code: service-breadth
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

Customer Service
type: DefinedTerm
term code: customer-service
in defined term set: Capital One vs LendingClub — Attribute Category Vocabulary

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-07-08T20:09:52.068Z
author: A Versus B
publisher: A Versus B
is part of: capital-one-vs-lending-club))
main entity: Which lender is faster for personal loans?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Can I get a loan with bad credit?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Is my money safe with LendingClub?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: What if I need products beyond personal loans?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Which has better interest rates?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US

How to Choose Between Capital One Financial Corporation and LendingClub
type: HowTo
description: 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.
language: en-US
total time: PT3M
step: Consider: Business Model
step: Consider: Personal Loan APR Range
step: Consider: Average Approval Time
step: Consider: Credit Score Requirement (minimum)
step: Consider: Product Offerings
step: Consider: FDIC Insurance Coverage
step: Consider: Loan Amount Range
tool: A Versus B Comparison Guide
tip: HowToTip
  text: 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.

Consider: Business Model
type: HowToStep
position: 1
text: Business Model: Capital One Financial Corporation has Traditional bank with FDIC insurance, while LendingClub has Peer-to-peer lending marketplace.

Consider: Personal Loan APR Range
type: HowToStep
position: 2
text: Personal Loan APR Range: Capital One Financial Corporation has 6.99% - 35.99%, while LendingClub has 6.68% - 35.99%.

Consider: Average Approval Time
type: HowToStep
position: 3
text: Average Approval Time: Capital One Financial Corporation has 5-7 business days, while LendingClub has 1-3 business days.

Consider: Credit Score Requirement (minimum)
type: HowToStep
position: 4
text: Credit Score Requirement (minimum): Capital One Financial Corporation has 580 (unsecured), while LendingClub has 550 (with alternative data).

Consider: Product Offerings
type: HowToStep
position: 5
text: Product Offerings: Capital One Financial Corporation has Credit cards, auto loans, mortgages, savings, checking, while LendingClub has Personal loans, credit card consolidation.

Consider: FDIC Insurance Coverage
type: HowToStep
position: 6
text: FDIC Insurance Coverage: Capital One Financial Corporation has Yes, up to $250,000, while LendingClub has No (notes issued through WebBank).

Consider: Loan Amount Range
type: HowToStep
position: 7
text: Loan Amount Range: Capital One Financial Corporation has $300 - $50,000, while LendingClub has $1,000 - $40,000.

claimreview
type: ClaimReview
is accessible for free: true
conditions of access: Free
claim reviewed: Capital One vs LendingClub
review body: 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.
review rating: Rating
  rating: 5
  worst rating: 1
  best rating: 5
  alternate name: Verified Comparison
author: A Versus B
item reviewed: Capital One vs LendingClub

Maximum APR
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 35.99%

Typical Funding Time
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 2-3 days

Origination Fee Range
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 0% - 12%

Number of Repayment Term Options
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 2 options (36/60 mo)

Prepayment Penalty
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: None

Credit Card Options
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 0 cards

Origination Fee
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 1% - 10%

Customer Base
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 3.5+ million

Minimum Interest Rate
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 6.95%

Average Origination Fee
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 6%

Funding Timeline
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 3-7

Maximum Interest Rate
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 35.99%

Number of Financial Products
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 1 (personal loans only)

Time to Funding
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 24-72 hours

Maximum Repayment Term
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 84 months

Late Payment Fee
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: $10-$15

Maximum Origination Fee
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 6%

Customer Satisfaction Rating
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 4.2 out of 5

Starting APR (Personal Loans)
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 6.94%

Maximum APR (Personal Loans)
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 35.99%

Loan Funding Time
type: PropertyValue
value: Capital One Financial Corporation: N/A | LendingClub: 1 business day

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Capital One Financial Corporation — Wikipedia
type: CreativeWork

LendingClub — Wikipedia
type: CreativeWork

Compare Capital One Financial Corporation vs LendingClub
type: Action
additional type: CompareAction
target: https://www.aversusb.net/compare/capital-one-vs-lending-club))
object: Capital One Financial Corporation
object: LendingClub

Maximum Interest Rate
type: PropertyValue
value reference: Loan Terms

Number of Financial Products
type: PropertyValue
value reference: Service Breadth

Time to Funding
type: PropertyValue
value reference: Speed

Maximum Repayment Term
type: PropertyValue
value reference: Loan Terms

Late Payment Fee
type: PropertyValue
value reference: Fees

Maximum Origination Fee
type: PropertyValue
value reference: Fees

Customer Satisfaction Rating
type: PropertyValue
value reference: Customer Service

Starting APR (Personal Loans)
type: PropertyValue
value reference: Cost & Rates

Maximum APR (Personal Loans)
type: PropertyValue
value reference: Cost & Rates

Loan Funding Time
type: PropertyValue
value reference: Speed