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Lending Club also allows some borrowers who have trouble making payments to go on a hardship plan; borrowers can make interest-only payments for three months’ time until they get back on their feet.

And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward –- and free.

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Lending Club, whose name is often synonymous with online personal loans, helped pioneer the business model of “peer-to-peer” or “marketplace” lending, which matches borrowers with investors willing to fund their loans.

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