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Can we talk about Upstart vs LendingClub for personal loans
I applied to both last month for a $5,000 consolidation loan. Upstart gave me 12.9% APR in like 10 minutes flat, no paperwork. LendingClub took 3 days and came back at 16.4% with a bunch of fees tacked on. The difference was night and day for speed and rates. Upstart uses AI to check your background, LendingClub felt old school with all their manual steps. Has anyone else seen similar gaps between these two lenders?
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