LendingClub vs OneMain Financial
LendingClub charges 6.53% APR versus OneMain Financial's 11.99% APR, and LendingClub deposits are FDIC-insured while OneMain's are not. Both require $0 minimum and charge no monthly fees. LendingClub is the stronger choice across rate, protection, and trust metrics.
Option B
OneMain Financial
11.99%
APR
- Min
- $1500
- Fee
- $0/mo
Best for: savers prioritizing brand familiarity
Open with OneMain Financial →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.