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LendingClub
lendingclub.comSummary
LendingClub provides personal banking services, including a LevelUp Checking account with a debit card, early direct deposit, and ATM fee rebates. They also offer personal loans, auto refinancing, and business loans. The platform emphasizes security and FDIC insurance for deposits.
Feature Matches4/12
See all4/12
Must Have
2 of 5
Prepaid Debit Card (Cash App Card)
Early Direct Deposit
Instant P2P Transfers
Commission-Free Stock Trading
Bitcoin Trading
Other
2 of 7
Fraud Monitoring & Security
ATM Access & Fee Reimbursement
High-Yield Savings
Round-Up Savings
Pay Over Time (Afterpay)
Instant Discounts & Offers
Customizable Card Designs
PricingFreemium
See allFreemium
Personal Loans
Custom
- Fixed rates
- Fixed monthly payments
- No prepayment fees
- Funding in as little as 24 hours
- Cannot be used for education after high school, investments, or illegal activity
Auto Refinancing Loans
Custom
- Lower monthly payments
- Flexible terms
- No prepayment fees
- Vehicle must be for personal use, 10 years old or newer, under 120,000 miles
- Existing loan must be open for at least one month, balance between $4,000-$55,000, at least 24 months of payments remaining
Consumer Certificate of Deposit (CDs)
$500.00 one time
- Guaranteed rate for the duration of the CD term
- Penalty may be imposed for early withdrawal
Business Loans
Custom
- Fast, flexible small business loans
- SBA 7(a) and 504 loan products
- Pricing is customized and requires direct contact
Rationale
LendingClub offers a LevelUp Checking account with a debit card, early direct deposit, and ATM fee reimbursements. They also mention security measures like 256-bit encryption and FDIC insurance, which aligns with fraud monitoring. However, they do not offer instant P2P transfers, stock trading, or bitcoin trading, which are core features of Cash App.
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See allBest alternatives to [Product] in 2024?
Reddit·tech_enthusiast·2d ago·+142
I've been using Alternative A for 6 months now and it's been fantastic. The pricing is much better and the features are actually more robust than what [Product] offers.
Show HN: We built a better [Product]
Hacker News·startup_founder·5d ago·+89
After struggling with [Product]'s limitations, we decided to build our own solution.
It handles edge cases much better and the API is actually documented properly.
Check it out at our site.
[Product] vs Competitor B - which one should I choose?
Reddit·confused_buyer·Oct 14·+67
Honestly, after trying both, Competitor B wins hands down. Better customer support, cleaner interface, and they don't nickel and dime you for every feature.
Why we migrated away from [Product]
Hacker News·cto_mike·Oct 11·+234
The breaking point was when they changed their API without notice. We lost 3 days of productivity. Solution C has been rock solid for us since we switched.