Capital One vs LendingClub
type: Article
description: 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.
language: en-US
date published: 2026-07-09T11:35:07.749Z
date created: 2026-07-09T11:35:07.749Z
date modified: 2026-07-09T11:35:07.851Z
content reference time: 2026-07-09T11:35:07.851Z
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 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.
text: Total Assets Under Management. Primary Business Model. FDIC Deposit Insurance. Personal Loan APR Range. Credit Card Products Available. Investor Average Annual Return. Employee Count
conclusion text: 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.
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-lendingclub)))
significant link: https://www.aversusb.net/api/v1/schema/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/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))
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 U.S. bank offering credit cards, personal loans, auto loans, mortgages, and deposit accounts with nationwide branch presence.
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: Online peer-to-peer lending platform connecting borrowers with retail investors for personal loans, business loans, and investment opportunities.
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: Banking Costs
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: Operations
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: Lending Products
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: Fees
variable measured: Total Assets
  type: PropertyValue
  value reference: Financial Scale
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: Distribution
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: Market Position
variable measured: FDIC Deposit Insurance
  type: PropertyValue
  value reference: Safety & Security
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: Accessibility
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-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: Accessibility
has defined term: Banking Costs
has defined term: Returns
has defined term: Rewards
has defined term: Fees
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: Operations
has defined term: Deposit Rates
has defined term: User Experience
has defined term: Lending Products
has defined term: Credit Requirements
has defined term: Lending Terms
has defined term: Financial Scale
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: Distribution
has defined term: Loan Parameters
has defined term: Loan Limits
has defined term: Speed
has defined term: Market Position
has defined term: Pricing & Rates
has defined term: Incentives
has defined term: Support
has defined term: Loan Terms
has defined term: Safety
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: Costs
has defined term: Service Breadth
has defined term: Support & Reputation

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

Banking Costs
type: DefinedTerm
term code: banking-costs
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

Fees
type: DefinedTerm
term code: fees
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

Operations
type: DefinedTerm
term code: operations
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

Lending Products
type: DefinedTerm
term code: lending-products
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

Financial Scale
type: DefinedTerm
term code: financial-scale
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

Distribution
type: DefinedTerm
term code: distribution
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

Market Position
type: DefinedTerm
term code: market-position
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

Safety
type: DefinedTerm
term code: safety
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

Costs
type: DefinedTerm
term code: costs
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

Support & Reputation
type: DefinedTerm
term code: support-&-reputation
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: 2026-07-09T11:35:07.851Z
author: A Versus B
publisher: A Versus B
is part of: capital-one-vs-lendingclub)))
main entity: Is my money safe with Capital One vs LendingClub?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Which offers better rates for a personal loan?
  type: Question
  accepted answer: Answer
    text: 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).
    language: en-US
main entity: Can I get a credit card from either company?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: What are the investment opportunities with each company?
  type: Question
  accepted answer: Answer
    text: 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).
    language: en-US
main entity: Which company is more financially stable?
  type: Question
  accepted answer: Answer
    text: 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.
    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 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.
language: en-US
total time: PT3M
step: Consider: Total Assets Under Management
step: Consider: Primary Business Model
step: Consider: FDIC Deposit Insurance
step: Consider: Personal Loan APR Range
step: Consider: Credit Card Products Available
step: Consider: Investor Average Annual Return
step: Consider: Employee Count
tool: A Versus B Comparison Guide
tip: HowToTip
  text: 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.

Consider: Total Assets Under Management
type: HowToStep
position: 1
text: Total Assets Under Management: Capital One Financial Corporation has $418 billion, while LendingClub has $8.5 billion.

Consider: Primary Business Model
type: HowToStep
position: 2
text: Primary Business Model: Capital One Financial Corporation has Traditional commercial bank, while LendingClub has Peer-to-peer lending marketplace.

Consider: FDIC Deposit Insurance
type: HowToStep
position: 3
text: FDIC Deposit Insurance: Capital One Financial Corporation has Yes, up to $250,000, while LendingClub has No, investments not insured.

Consider: Personal Loan APR Range
type: HowToStep
position: 4
text: 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
type: HowToStep
position: 5
text: 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
type: HowToStep
position: 6
text: Investor Average Annual Return: Capital One Financial Corporation has Not applicable (no retail investing), while LendingClub has 6.32% - 12.50% (varies by grade).

Consider: Employee Count
type: HowToStep
position: 7
text: Employee Count: Capital One Financial Corporation has 50,000+ employees, while LendingClub has 550+ employees.

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 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.
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-lendingclub)))
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: Support & Reputation

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