Capital One vs LendingClub
type: Article
description: 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.
language: en-US
date published: 2026-07-07T09:24:49.525Z
date created: 2026-07-07T09:24:49.525Z
date modified: 2026-07-07T09:24:49.566Z
content reference time: 2026-07-07T09:24:49.566Z
author: A Versus B
publisher: A Versus B
about: Capital One
about: LendingClub
abstract: 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.
text: Loan Types Offered. APR Range for Personal Loans. Minimum Credit Score Required. Loan Origination Fee. Physical Branches. Customer Base Size. Mobile App Rating (iOS)
conclusion text: 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.
additional property: Travel Redemption Partners
  type: PropertyValue
  value: Capital One: 10+ airlines and partners | LendingClub: N/A
additional property: Savings Account APY
  type: PropertyValue
  value: Capital One: 2.5% (2026) | LendingClub: N/A
additional property: Earning Simplicity
  type: PropertyValue
  value: Capital One: 1 (uniform) | LendingClub: N/A
additional property: Hotel Partnership Value
  type: PropertyValue
  value: Capital One: Variable transfer rates | LendingClub: N/A
additional property: Premium Card Features
  type: PropertyValue
  value: Capital One: Basic | LendingClub: N/A
additional property: Base Cash Back / Points Rate
  type: PropertyValue
  value: Capital One: 2x flat | LendingClub: N/A
additional property: Money Market Account APY
  type: PropertyValue
  value: Capital One: 4.05% | LendingClub: N/A
additional property: Monthly Account Maintenance Fee
  type: PropertyValue
  value: Capital One: $0 | LendingClub: N/A
additional property: Physical Branch Locations
  type: PropertyValue
  value: Capital One: 1,000+ partner locations | LendingClub: 0 branches (online only)
  value reference: Capital One
additional property: Credit Card Products Available
  type: PropertyValue
  value: Capital One: 15+ | LendingClub: 0 cards
  value reference: Capital One
additional property: Auto Loan APR Range (Average)
  type: PropertyValue
  value: Capital One: 3.99% - 8.99% | LendingClub: N/A
additional property: Customer Service Rating
  type: PropertyValue
  value: Capital One: 3.2/5 | LendingClub: N/A
additional property: Minimum Credit Score
  type: PropertyValue
  value: Capital One: 620+ | LendingClub: 580+
  value reference: LendingClub
additional property: Personal Loan APR Range
  type: PropertyValue
  value: Capital One: 21.99% - 35.99% | LendingClub: 6.95%-35.85%
additional property: Loan Approval Time
  type: PropertyValue
  value: Capital One: 1-3 business days | LendingClub: 1-2 days
  value reference: LendingClub
additional property: Maximum Personal Loan Amount
  type: PropertyValue
  value: Capital One: $50,000 | LendingClub: $40,000
  value reference: Capital One
additional property: Credit Card Options
  type: PropertyValue
  value: Capital One: 20+ cards | LendingClub: 0 cards
  value reference: Capital One
additional property: Origination Fee
  type: PropertyValue
  value: Capital One: 0% - 1% | LendingClub: 1% - 10%
additional property: Customer Base
  type: PropertyValue
  value: Capital One: 20+ million | LendingClub: 3.5+ million
  value reference: Capital One
additional property: Minimum Interest Rate
  type: PropertyValue
  value: Capital One: 7.99% | LendingClub: 6.95%
  value reference: LendingClub
additional property: Minimum Credit Score Required
  type: PropertyValue
  value: Capital One: 580 | LendingClub: 620
  value reference: Capital One
additional property: Average Origination Fee
  type: PropertyValue
  value: Capital One: 5.5% | LendingClub: 6%
  value reference: Capital One
additional property: Funding Timeline
  type: PropertyValue
  value: Capital One: 1-2 | LendingClub: 3-7
  value reference: Capital One
additional property: Maximum Interest Rate
  type: PropertyValue
  value: Capital One: 35.99% | LendingClub: 35.99%
additional property: Number of Financial Products
  type: PropertyValue
  value: Capital One: 3+ (loans, cards, deposits) | LendingClub: 1 (personal loans only)
  value reference: Capital One
additional property: Annual Fee (Entry Card)
  type: PropertyValue
  value: Capital One: $0 | LendingClub: N/A
additional property: Annual Fee (Premium Card)
  type: PropertyValue
  value: Capital One: $95 | LendingClub: N/A
additional property: Base Cash Back/Points Rate
  type: PropertyValue
  value: Capital One: 1.5% (Quicksilver) | LendingClub: N/A
additional property: Bonus Rewards Category Rate
  type: PropertyValue
  value: Capital One: 5% (rotating categories) | LendingClub: N/A
additional property: Global Merchant Acceptance
  type: PropertyValue
  value: Capital One: 99%+ (Visa/Mastercard network) | LendingClub: N/A
additional property: Minimum Credit Score (Entry)
  type: PropertyValue
  value: Capital One: 650 | LendingClub: N/A
additional property: Foreign Transaction Fees (Premium)
  type: PropertyValue
  value: Capital One: 3% | LendingClub: N/A
additional property: Airport Lounge Access
  type: PropertyValue
  value: Capital One: None (entry/mid-tier) | LendingClub: N/A
additional property: Monthly Checking Fee
  type: PropertyValue
  value: Capital One: $0 | LendingClub: N/A
additional property: Savings Account APY
  type: PropertyValue
  value: Capital One: 4.70% | LendingClub: Not offered
additional property: Physical Branches
  type: PropertyValue
  value: Capital One: 1,800+ | LendingClub: 0 (online-only)
  value reference: Capital One
additional property: ATM Network Access
  type: PropertyValue
  value: Capital One: 39,000+ (Allpoint) | LendingClub: N/A
additional property: Credit Card APR Range
  type: PropertyValue
  value: Capital One: 16.99% - 27.99% | LendingClub: N/A
additional property: Overdraft Fees
  type: PropertyValue
  value: Capital One: $0 | LendingClub: N/A
additional property: Mobile App Rating (iOS)
  type: PropertyValue
  value: Capital One: 4.8/5 | LendingClub: N/A
additional property: Minimum Deposit to Open Account
  type: PropertyValue
  value: Capital One: $0 | LendingClub: N/A
additional property: Checking Account Monthly Fee
  type: PropertyValue
  value: Capital One: $0 | LendingClub: N/A
additional property: High-Yield Savings APY
  type: PropertyValue
  value: Capital One: 4.60% | LendingClub: N/A
additional property: Credit Card Approval Rate
  type: PropertyValue
  value: Capital One: ~70% | LendingClub: N/A
additional property: Total Assets
  type: PropertyValue
  value: Capital One: $507 billion | LendingClub: $12.8B
  value reference: Capital One
additional property: Investment/Brokerage Platform
  type: PropertyValue
  value: Capital One: None | LendingClub: N/A
additional property: Auto Loan APR Range
  type: PropertyValue
  value: Capital One: 4.74% - 9.74% | LendingClub: N/A
additional property: Customer Satisfaction Score (J.D. Power 2025)
  type: PropertyValue
  value: Capital One: 768 | LendingClub: N/A
additional property: Starting APR (Personal Loans)
  type: PropertyValue
  value: Capital One: 8.99% | LendingClub: 6.94%
  value reference: LendingClub
interactivity type: active
significant link: https://www.aversusb.net/entity/capital-one
significant link: https://www.aversusb.net/alternatives/capital-one
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-lendingclub))
significant link: https://www.aversusb.net/api/v1/schema/capital-one-vs-lendingclub))
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/capital-one-vs-chase
related link: https://www.aversusb.net/compare/ally-bank-vs-capital-one
related link: https://www.aversusb.net/compare/lendingclub-vs-upgrade
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-american-express
teaches: How to choose between Capital One 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
type: Thing
alternate name: CO
language: en-US
description: Traditional bank offering credit cards, auto loans, personal loans, savings accounts, and mortgages with 195 million customers.
subject of: Capital One vs LendingClub

LendingClub
type: Organization
alternate name: Lendingclub
language: en-US
description: Peer-to-peer lending platform specializing in personal loans with APRs as low as 6.94% for borrowers with fair to good credit.
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 75 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: Travel Redemption Partners
  type: PropertyValue
  value reference: Flexibility
variable measured: Savings Account APY
  type: PropertyValue
  value reference: Savings
variable measured: Earning Simplicity
  type: PropertyValue
  value reference: Usability
variable measured: Hotel Partnership Value
  type: PropertyValue
  value reference: Travel
variable measured: Premium Card Features
  type: PropertyValue
  value reference: Premium
variable measured: Base Cash Back / Points Rate
  type: PropertyValue
  value reference: Rewards
variable measured: Money Market Account APY
  type: PropertyValue
  value reference: Savings Rates
variable measured: Monthly Account Maintenance Fee
  type: PropertyValue
  value reference: Fees
variable measured: Physical Branch Locations
  type: PropertyValue
  value reference: Accessibility
variable measured: Credit Card Products Available
  type: PropertyValue
  value reference: Product Variety
variable measured: Auto Loan APR Range (Average)
  type: PropertyValue
  value reference: Lending Products
variable measured: Customer Service Rating
  type: PropertyValue
  value reference: Service Quality
variable measured: Minimum Credit Score
  type: PropertyValue
  value reference: Eligibility
variable measured: Personal Loan APR Range
  type: PropertyValue
  value reference: Loan Terms
variable measured: Loan Approval Time
  type: PropertyValue
  value reference: Speed
variable measured: Maximum Personal Loan Amount
  type: PropertyValue
  value reference: Lending Terms
variable measured: Credit Card Options
  type: PropertyValue
  value reference: Product Variety
variable measured: Origination Fee
  type: PropertyValue
  value reference: Costs
variable measured: Customer Base
  type: PropertyValue
  value reference: Scale
variable measured: Minimum Interest Rate
  type: PropertyValue
  value reference: Loan Terms
variable measured: Minimum Credit Score Required
  type: PropertyValue
  value reference: Requirements
variable measured: Average Origination Fee
  type: PropertyValue
  value reference: Costs
variable measured: Funding Timeline
  type: PropertyValue
  value reference: Speed
variable measured: Maximum Interest Rate
  type: PropertyValue
  value reference: Loan Terms
variable measured: Number of Financial Products
  type: PropertyValue
  value reference: Service Breadth
variable measured: Annual Fee (Entry Card)
  type: PropertyValue
  value reference: Costs
variable measured: Annual Fee (Premium Card)
  type: PropertyValue
  value reference: Costs
variable measured: Base Cash Back/Points Rate
  type: PropertyValue
  value reference: Rewards
variable measured: Bonus Rewards Category Rate
  type: PropertyValue
  value reference: Rewards
variable measured: Global Merchant Acceptance
  type: PropertyValue
  value reference: Usability
variable measured: Minimum Credit Score (Entry)
  type: PropertyValue
  value reference: Accessibility
variable measured: Foreign Transaction Fees (Premium)
  type: PropertyValue
  value reference: Costs
variable measured: Airport Lounge Access
  type: PropertyValue
  value reference: Benefits
variable measured: Monthly Checking Fee
  type: PropertyValue
  value reference: Fees & Costs
variable measured: Savings Account APY
  type: PropertyValue
  value reference: Earnings & Rates
variable measured: Physical Branches
  type: PropertyValue
  value reference: Accessibility
variable measured: ATM Network Access
  type: PropertyValue
  value reference: Accessibility
variable measured: Credit Card APR Range
  type: PropertyValue
  value reference: Credit Products
variable measured: Overdraft Fees
  type: PropertyValue
  value reference: Fees & Costs
variable measured: Mobile App Rating (iOS)
  type: PropertyValue
  value reference: User Experience
variable measured: Minimum Deposit to Open Account
  type: PropertyValue
  value reference: Access & Requirements
variable measured: Checking Account Monthly Fee
  type: PropertyValue
  value reference: Fees
variable measured: High-Yield Savings APY
  type: PropertyValue
  value reference: Deposits
variable measured: Credit Card Approval Rate
  type: PropertyValue
  value reference: Credit Products
variable measured: Total Assets
  type: PropertyValue
  value reference: Financial Strength
variable measured: Investment/Brokerage Platform
  type: PropertyValue
  value reference: Services
variable measured: Auto Loan APR Range
  type: PropertyValue
  value reference: Lending
variable measured: Customer Satisfaction Score (J.D. Power 2025)
  type: PropertyValue
  value reference: Customer Experience
variable measured: Starting APR (Personal Loans)
  type: PropertyValue
  value reference: Cost & Rates
variable measured: Maximum APR (Personal Loans)
  type: PropertyValue
  value reference: Cost & Rates
variable measured: Origination Fee Range
  type: PropertyValue
  value reference: Cost & Rates
variable measured: Loan Funding Time
  type: PropertyValue
  value reference: Speed
variable measured: Maximum Loan Amount
  type: PropertyValue
  value reference: Loan Limits
variable measured: Customer Base Size
  type: PropertyValue
  value reference: Scale
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: Number of Repayment Term Options
  type: PropertyValue
  value reference: Flexibility
variable measured: Prepayment Penalty
  type: PropertyValue
  value reference: Flexibility
variable measured: Time to Funding
  type: PropertyValue
  value reference: Speed
variable measured: Maximum Repayment Term
variable measured: Late Payment Fee
variable measured: Maximum Origination Fee
variable measured: Customer Satisfaction Rating
variable measured: Minimum FICO Score Required
variable measured: Loan Origination Fee
variable measured: Credit Card Products
variable measured: Loan Funding Speed
variable measured: Loan Funding Timeline
is based on: https://www.aversusb.net/compare/capital-one-vs-lendingclub))

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: Flexibility
has defined term: Savings
has defined term: Usability
has defined term: Travel
has defined term: Premium
has defined term: Rewards
has defined term: Savings Rates
has defined term: Fees
has defined term: Accessibility
has defined term: Product Variety
has defined term: Lending Products
has defined term: Service Quality
has defined term: Eligibility
has defined term: Loan Terms
has defined term: Speed
has defined term: Lending Terms
has defined term: Costs
has defined term: Scale
has defined term: Requirements
has defined term: Service Breadth
has defined term: Benefits
has defined term: Fees & Costs
has defined term: Earnings & Rates
has defined term: Credit Products
has defined term: User Experience
has defined term: Access & Requirements
has defined term: Deposits
has defined term: Financial Strength
has defined term: Services
has defined term: Lending
has defined term: Customer Experience
has defined term: Cost & Rates
has defined term: Loan Limits
has defined term: Interest Rates
has defined term: Speed & Processing
has defined term: Credit Requirements
has defined term: Product Offerings
has defined term: Convenience
has defined term: Speed & Convenience
has defined term: Safety & Security
has defined term: Loan Parameters
has defined term: Products
has defined term: Safety

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

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

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

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

Premium
type: DefinedTerm
term code: premium
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

Savings Rates
type: DefinedTerm
term code: savings-rates
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

Accessibility
type: DefinedTerm
term code: accessibility
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

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

Service Quality
type: DefinedTerm
term code: service-quality
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

Loan Terms
type: DefinedTerm
term code: loan-terms
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

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

Requirements
type: DefinedTerm
term code: requirements
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

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

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

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

Credit Products
type: DefinedTerm
term code: credit-products
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

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

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

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

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

Lending
type: DefinedTerm
term code: lending
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

Cost & Rates
type: DefinedTerm
term code: cost-&-rates
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

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

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

Product Offerings
type: DefinedTerm
term code: product-offerings
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

Safety & Security
type: DefinedTerm
term code: safety-&-security
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

Products
type: DefinedTerm
term code: products
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

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-07-07T09:24:49.566Z
author: A Versus B
publisher: A Versus B
is part of: capital-one-vs-lendingclub))
main entity: Which lender has the lowest APR for personal loans?
  type: Question
  accepted answer: 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.
    language: en-US
main entity: Can I get a personal loan from Capital One or LendingClub with bad credit?
  type: Question
  accepted answer: 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.
    language: en-US
main entity: Does LendingClub charge prepayment penalties?
  type: Question
  accepted answer: 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.
    language: en-US
main entity: Which lender has better customer service?
  type: Question
  accepted answer: 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.
    language: en-US
main entity: How fast can I get funded with each lender?
  type: Question
  accepted answer: 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.
    language: en-US

How to Choose Between Capital One and LendingClub
type: HowTo
description: 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.
language: en-US
total time: PT3M
step: Consider: Loan Types Offered
step: Consider: APR Range for Personal Loans
step: Consider: Minimum Credit Score Required
step: Consider: Loan Origination Fee
step: Consider: Physical Branches
step: Consider: Customer Base Size
step: Consider: Mobile App Rating (iOS)
tool: A Versus B Comparison Guide
tip: HowToTip
  text: 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.

Consider: Loan Types Offered
type: HowToStep
position: 1
text: Loan Types Offered: Capital One has Credit cards, auto loans, personal loans, savings accounts, mortgages, while LendingClub has Personal loans, auto refinancing (limited).

Consider: APR Range for Personal Loans
type: HowToStep
position: 2
text: APR Range for Personal Loans: Capital One has 8.99% - 29.99%, while LendingClub has 6.94% - 35.99%.

Consider: Minimum Credit Score Required
type: HowToStep
position: 3
text: Minimum Credit Score Required: Capital One has 580+, while LendingClub has 620+.

Consider: Loan Origination Fee
type: HowToStep
position: 4
text: Loan Origination Fee: Capital One has 0% - 8%, while LendingClub has 0% - 12%.

Consider: Physical Branches
type: HowToStep
position: 5
text: Physical Branches: Capital One has 1,800+ locations, while LendingClub has 0 (online only).

Consider: Customer Base Size
type: HowToStep
position: 6
text: Customer Base Size: Capital One has 195 million customers, while LendingClub has 1.6 million customers.

Consider: Mobile App Rating (iOS)
type: HowToStep
position: 7
text: Mobile App Rating (iOS): Capital One has 4.6 stars (500k+ reviews), while LendingClub has 4.5 stars (180k+ reviews).

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 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.
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 (Personal Loans)
type: PropertyValue
value: Capital One: 29.99% | LendingClub: 35.99%
value reference: Capital One

Origination Fee Range
type: PropertyValue
value: Capital One: 0% - 8% | LendingClub: 0% - 12%
value reference: Capital One

Loan Funding Time
type: PropertyValue
value: Capital One: 2-3 business days | LendingClub: 1 business day
value reference: LendingClub

Maximum Loan Amount
type: PropertyValue
value: Capital One: Varies by product (up to $100k+ for auto loans) | LendingClub: $40,000
value reference: Capital One

Customer Base Size
type: PropertyValue
value: Capital One: 195 million customers | LendingClub: 1.6 million customers
value reference: Capital One

Minimum APR
type: PropertyValue
value: Capital One: N/A | LendingClub: 6.95%

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

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

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

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

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

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

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

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

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

Minimum FICO Score Required
type: PropertyValue
value: Capital One: N/A | LendingClub: 600

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

Credit Card Products
type: PropertyValue
value: Capital One: N/A | LendingClub: 0

Loan Funding Speed
type: PropertyValue
value: Capital One: N/A | LendingClub: 1 day (same-day available)

Loan Funding Timeline
type: PropertyValue
value: Capital One: N/A | LendingClub: 1-3 business days

Deposit Account FDIC Insurance
type: PropertyValue
value: Capital One: N/A | LendingClub: Not applicable

Auto Loan Offerings
type: PropertyValue
value: Capital One: N/A | LendingClub: No auto loans

Minimum Loan Amount
type: PropertyValue
value: Capital One: N/A | LendingClub: $1,000

Credit Card Options Available
type: PropertyValue
value: Capital One: N/A | LendingClub: 0 products

Total Customer Base
type: PropertyValue
value: Capital One: N/A | LendingClub: 4.5+ million

FDIC Deposit Insurance
type: PropertyValue
value: Capital One: N/A | LendingClub: No coverage

SpeakableSpecification
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Capital One — Wikipedia
type: CreativeWork

LendingClub — Wikipedia
type: CreativeWork

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

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 Experience

Minimum FICO Score Required
type: PropertyValue
value reference: Credit Requirements

Loan Origination Fee
type: PropertyValue
value reference: Costs

Credit Card Products
type: PropertyValue
value reference: Product Offerings

Loan Funding Speed
type: PropertyValue
value reference: Convenience

Loan Funding Timeline
type: PropertyValue
value reference: Speed & Convenience

Deposit Account FDIC Insurance
type: PropertyValue
value reference: Safety & Security

Auto Loan Offerings
type: PropertyValue
value reference: Product Variety

Minimum Loan Amount
type: PropertyValue
value reference: Loan Parameters

Credit Card Options Available
type: PropertyValue
value reference: Products

Total Customer Base
type: PropertyValue
value reference: Scale

FDIC Deposit Insurance
type: PropertyValue
value reference: Safety