PERSONAL LOANS

Get Up To $50,000 and Competitive Fixed Rates

Checking your rate won't impact your credit score1

Checking your rate won't impact your credit score1

PERSONAL LOANS

Get Up To $50,000 and Competitive Fixed Rates

Checking your rate won't impact your credit score1

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How a Personal Loan with LEGAL INVESTMENT AND LOAN COMPANY Works

Apply In Minutes

Get customized loan options based on what you tell us.

Choose a Loan Offer

Select the rate, term, and payment options you like best.

Get Funded

Once your loan is approved, we’ll send the money straight to your bank account or pay your creditors directly.

 
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Why Choose a Personal Loan?

A personal loan allows you to borrow money from a lender for almost any purpose, typically with a fixed term, a fixed interest rate, and a regular monthly payment schedule. Collateral is usually not required and personal loans typically have lower interest rates than most credit cards.

Since interest rates and loan terms on a personal loan are fixed, you can select a loan and payment amount that fits within your budget—which is great when you’re consolidating debt. Plus, you’ll know the exact date your loan will be fully paid off.

Using a personal loan to consolidate high-interest credit card debt might even help you improve your credit score, by diversifying your credit mix, showing that you can make on-time monthly payments, and reduce your total debt.

Join Over 4 Million Members Nationwide

  • Borrow up to $40,000

  • Receive money fast, upon approval

  • Competitive fixed rates and fixed monthly payments

  • No prepayment fees

  • Automatic payment withdrawals

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Personal Loans to Match Your Financial Goals

Credit Card Consolidation Loans

Refinance your credit cards with a personal loan—and know the exact date your loan will be paid off.
Read More

Balance Transfer Loans

Lock in a lower APR and save time by paying creditors directly through LendingClub—just tell us who to pay and how much.
Read More

Debt Consolidation Loans

Simplify your debt—and your life—with a single monthly payment on an affordable, fixed-rate loan.
Read More

Home Improvement Loans

Start your home improvement project now, without waiting for a home equity loan or line of credit.
Read More
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LEGAL INVESTMENT AND LOAN COMPANY

legal investment and loan company is the leading digital marketplace bank in the U.S., connecting borrowers with investors since 2007. Our LC™ Marketplace Platform has helped more than 4.8 million members get over $90 billion in personal loans so they can save money, pay down debt, and take control of their financial future.

And because we don’t have any brick-and-mortar locations, we’re able to keep costs low and pass the savings back to you in the form of great interest rates.

Giving loans and supporting businesses with amounts from $50,000 up to $2,000,000, Everything we do is centered around empowering you to meet your personal financial goals by enabling access to a broad range of financial products, services, and educational resources, all designed to help you pay less when borrowing and earn more when saving.

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WHAT WE OFFER

Personal Loans
Personal Banking
Auto Refinancing
Patient Solutions
Business Loans
Other Types of Loans
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RESOURCES

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Personal Loan Rates & Fees
Customer Reviews

ABOUT US

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1777 Columbia Rd NW, Washington, DC 20009

If you have special access needs and are having problems accessing this website, please call +12028863583.

  1. Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, term length, and making payments as agreed.

  2. Checking a rate through us generates a soft credit inquiry on a person’s credit report, which is visible only to that person. A hard credit inquiry, which is visible to that person and others, and which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history. 

  3. The APR discounted rate is a discount that some customers may receive for taking out a loan to pay down existing debt, which is discounted from the rate given for taking a full cash loan. Not all applicants will qualify for the discount. Any actual discount rate will be determined at the time of application. The best APR discounts are available to borrowers with excellent credit. Advertised discounted rates are subject to change without notice. 

  4. Any reviews presented are individual experiences and results may vary. Reviews are collected and authenticated by Bazaarvoice. Any average rating presented is based on these reviews. 

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,169 for a term of 36 months, with an interest rate of 10.49% and a 6.00% origination fee of $1,150 for an APR of 14.81%. In this example, the borrower will receive $18,019 and will make 36 monthly payments of $623. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 60 months. Some amounts, rates, and term lengths may be unavailable in certain states.

For Personal Loans, APR ranges from 8.98% to 35.99% and origination fee ranges from 3.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of March 8, 2024 and are subject to change without notice.

Unless otherwise specified, all credit and deposit products are provided by LEGAL INVESTMENT AND LOAN COMPANY Bank, N.A., Member FDIC, Equal Housing Lender (“LEGAL INVESTMENT AND LOAN COMPANYBank”), a wholly-owned subsidiary of LEGAL INVESTMENT AND LOAN COMPANY Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

“LEGAL INVESTMENT AND LOAN COMPANY” and the “LC” symbol are trademarks of LEGAL INVESTMENT AND LOAN COMPANY Bank.

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