* - The APR ranges from 5.99% to 35.96%. For example, with a credit grade of A1 you could receive a loan of $10,000 with an interest rate of 5.32% and a 1.00% origination fee of $100 for an APR of 5.99%. In this example you will receive $9,900 and will make 36 monthly payments of $301.15. Your APR will be determined based on your credit at time of application. Average APR on 36 month loans for similar solicitation from 10/1/2015-10/31/2015 was 14.3%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement to all of the required agreements and disclosures on the www.lendingclub.com website. All loans made by WebBank, a Utah-chartered industrial bank, member FDIC.