Citi vs LendingClub
LendingClub Loans charges 6.53% APR versus Citi Loans' 9.99% APR, making it the lower-cost option. Citi may appeal to borrowers prioritizing an established brand, while LendingClub offers meaningful rate savings. Both have $0 minimums, no monthly fees, and FDIC protection.
Option A
Citi
9.99%
APR
- Min
- $2000
- Fee
- $0/mo
Best for: savers who prefer well-known institutions
Open with Citi →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 8/23/2026.