Capital One is a traditional bank offering credit cards, auto loans, and savings accounts with 195 million customers, while LendingClub is a peer-to-peer lending platform specializing in personal loans with lower approval requirements. Capital One emphasizes credit building and rewards, whereas LendingClub focuses on competitive rates for borrowers with fair credit.
Capital One vs LendingClub — Side-by-side comparison on A Versus B
Traditional bank offering credit cards, auto loans, personal loans, savings accounts, and mortgages with 195 million customers.
Peer-to-peer lending platform specializing in personal loans with APRs as low as 6.94% for borrowers with fair to good credit.
Loan Types Offered. APR Range for Personal Loans. Minimum Credit Score Required. Loan Origination Fee. Physical Branches. Customer Base Size. Mobile App Rating (iOS)
Choose Capital One if you want a comprehensive banking solution with multiple product types, physical branch access, lower credit requirements, and rewards programs—best for building credit and one-stop banking. Choose LendingClub if you prioritize the lowest possible APR rates, have fair to good credit, and prefer a streamlined online-only platform focused exclusively on personal loans.
Capital One: 10+ airlines and partners | LendingClub: N/A
Capital One: 2.5% (2026) | LendingClub: N/A
Capital One: 1 (uniform) | LendingClub: N/A
Capital One: Variable transfer rates | LendingClub: N/A
Capital One: 1,000+ partner locations | LendingClub: 0 branches (online only)
Capital One: 3.99% - 8.99% | LendingClub: N/A
Capital One: 1-3 business days | LendingClub: 1-2 days
Capital One: $50,000 | LendingClub: $40,000
Capital One: 20+ cards | LendingClub: 0 cards
Capital One: 0% - 1% | LendingClub: 1% - 10%
Capital One: 20+ million | LendingClub: 3.5+ million
Capital One: 35.99% | LendingClub: 35.99%
Capital One: 3+ (loans, cards, deposits) | LendingClub: 1 (personal loans only)
Capital One: 1.5% (Quicksilver) | LendingClub: N/A
Capital One: 5% (rotating categories) | LendingClub: N/A
Capital One: 99%+ (Visa/Mastercard network) | LendingClub: N/A
Capital One: None (entry/mid-tier) | LendingClub: N/A
Capital One: 4.70% | LendingClub: Not offered
Capital One: 1,800+ | LendingClub: 0 (online-only)
Capital One: 39,000+ (Allpoint) | LendingClub: N/A
Capital One: 16.99% - 27.99% | LendingClub: N/A
Capital One: $507 billion | LendingClub: $12.8B
Capital One: 4.74% - 9.74% | LendingClub: N/A
Customer Satisfaction Score (J.D. Power 2025)
Capital One: 29.99% | LendingClub: 35.99%
Capital One: 0% - 8% | LendingClub: 0% - 12%
Capital One: 2-3 business days | LendingClub: 1 business day
Capital One: Varies by product (up to $100k+ for auto loans) | LendingClub: $40,000
Capital One: 195 million customers | LendingClub: 1.6 million customers
Capital One: N/A | LendingClub: 2-3 days
Capital One: N/A | LendingClub: 2 options (36/60 mo)
Capital One: N/A | LendingClub: 24-72 hours
Capital One: N/A | LendingClub: 84 months
Capital One: N/A | LendingClub: 4.2 out of 5
Capital One: N/A | LendingClub: 0% - 12%
Capital One: N/A | LendingClub: 1 day (same-day available)
Capital One: N/A | LendingClub: 1-3 business days
Capital One: N/A | LendingClub: Not applicable
Capital One: N/A | LendingClub: No auto loans
Capital One: N/A | LendingClub: 0 products
Capital One: N/A | LendingClub: 4.5+ million
Capital One: N/A | LendingClub: No coverage
How to choose between Capital One and LendingClub
Capital One vs LendingClub — Structured Comparison Data
Machine-readable comparison dataset for Capital One vs LendingClub. Contains 75 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 has the lowest APR for personal loans?
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.
Can I get a personal loan from Capital One or LendingClub with bad credit?
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.
Does LendingClub charge prepayment penalties?
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.
Which lender has better customer service?
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.
How fast can I get funded with each lender?
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.
How to Choose Between Capital One and LendingClub
Loan Types Offered: Capital One has Credit cards, auto loans, personal loans, savings accounts, mortgages, while LendingClub has Personal loans, auto refinancing (limited).
APR Range for Personal Loans: Capital One has 8.99% - 29.99%, while LendingClub has 6.94% - 35.99%.
Minimum Credit Score Required: Capital One has 580+, while LendingClub has 620+.
Loan Origination Fee: Capital One has 0% - 8%, while LendingClub has 0% - 12%.
Physical Branches: Capital One has 1,800+ locations, while LendingClub has 0 (online only).
Customer Base Size: Capital One has 195 million customers, while LendingClub has 1.6 million customers.
Mobile App Rating (iOS): Capital One has 4.6 stars (500k+ reviews), while LendingClub has 4.5 stars (180k+ reviews).