Capital One is a traditional bank offering credit cards, auto loans, and savings accounts with broader financial services, while LendingClub is a peer-to-peer lending platform specializing in personal loans and investment opportunities for retail investors. Capital One has significantly larger assets ($418B vs $8.5B) and FDIC insurance on deposits, while LendingClub operates primarily as a lending marketplace with no deposit insurance.
Capital One vs LendingClub — Side-by-side comparison on A Versus B
Major U.S. bank offering credit cards, personal loans, auto loans, mortgages, and deposit accounts with nationwide branch presence.
Online peer-to-peer lending platform connecting borrowers with retail investors for personal loans, business loans, and investment opportunities.
Total Assets Under Management. Primary Business Model. FDIC Deposit Insurance. Personal Loan APR Range. Credit Card Products Available. Investor Average Annual Return. Employee Count
Choose Capital One if you want a comprehensive banking relationship with deposit insurance, credit cards, auto loans, and savings products all in one institution with strong customer service infrastructure. Choose LendingClub if you're seeking competitive personal loan rates with flexible terms, or if you're an investor looking for passive income opportunities through peer-to-peer lending with potential 6-12% annual returns.
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.
Is my money safe with Capital One vs LendingClub?
Capital One deposits are FDIC insured up to $250,000, meaning your funds are protected by federal guarantee even if the bank fails. LendingClub investments are NOT insured—if borrowers default, you lose money. However, LendingClub has a historical default rate of 2-8% depending on loan grade, and diversification across many loans reduces risk. For safety-first investors, Capital One is the clear choice.
Which offers better rates for a personal loan?
LendingClub offers lower starting rates (8.36% APR minimum) compared to Capital One (12.99% minimum), potentially saving you thousands on a $25,000 loan over 5 years (~$2,800 difference at respective minimums). However, your actual rate depends on credit score—Capital One may offer competitive rates to well-qualified borrowers, and Capital One has lower origination fees (0-1.5% vs 0-6% at LendingClub).
Can I get a credit card from either company?
Only Capital One offers credit cards—they have 18+ products including cash back cards (up to 5% back), travel cards, and secured cards for building credit. LendingClub does not offer credit cards; they focus exclusively on personal loans, business loans, and investment products. If you need credit card services, you must use Capital One or another issuer.
What are the investment opportunities with each company?
Capital One offers no direct investment products for retail customers—they are a bank, not an investment platform. LendingClub allows you to invest directly in personal loans, earning 6.32%-12.50% annual returns depending on loan grade (A-G). However, LendingClub returns are not guaranteed and carry default risk, whereas Capital One savings accounts provide FDIC safety at lower returns (typically 4.35% APY).
Which company is more financially stable?
Capital One is significantly larger with $418 billion in assets, 50,000 employees, and an S&P credit rating of A+, making it one of the safest financial institutions. LendingClub has $8.5 billion in assets and went public in 2014 but faced regulatory challenges (2016 scandal required CEO resignation). Both are solvent and operating, but Capital One has substantially greater financial resources and institutional stability.
How to Choose Between Capital One Financial Corporation and LendingClub
Total Assets Under Management: Capital One Financial Corporation has $418 billion, while LendingClub has $8.5 billion.
Primary Business Model: Capital One Financial Corporation has Traditional commercial bank, while LendingClub has Peer-to-peer lending marketplace.
FDIC Deposit Insurance: Capital One Financial Corporation has Yes, up to $250,000, while LendingClub has No, investments not insured.
Personal Loan APR Range: Capital One Financial Corporation has 12.99% - 35.99%, while LendingClub has 8.36% - 35.99%.
Consider: Credit Card Products Available
Credit Card Products Available: Capital One Financial Corporation has 18+ cards (travel, cash back, secured), while LendingClub has None (lending platform only).
Consider: Investor Average Annual Return
Investor Average Annual Return: Capital One Financial Corporation has Not applicable (no retail investing), while LendingClub has 6.32% - 12.50% (varies by grade).
Employee Count: Capital One Financial Corporation has 50,000+ employees, while LendingClub has 550+ employees.