Many products on this page are from partners who compensate us. This doesn't influence our ratings. Our opinions are our own.
Upstart vs LendingClub: Which Is Better in 2026?
By Sophie Brown, Senior Finance Editor · Updated Jul 2026
In short: Upstart wins on simplicity and cost, LendingClub wins on feature depth. Your pick depends on what you value most.
Head-to-head
| Feature | Upstart | LendingClub |
|---|---|---|
| DollarScout Rating | 4.2/5 ★ | 4.1/5 ★ |
| Commissions | $0 | $0 |
| Account Minimum | $0 | $0 |
| Website | https://upstart.com | https://lendingclub.com |
Category-by-category breakdown
Fees & Commissions
Trading Platform
Ease of Use
Investment Selection
Research & Tools
Mobile App
Detailed analysis
Quick take
Both lenders are strong contenders in the personal loan space. The right choice depends on your priorities: cost, features, or customer experience.
Key differences
Fees, platform quality, and supported features are the main axes of comparison. We weighted each according to what most consumers care about.
Final thoughts
Either option will serve most users well, but the specifics below should guide your decision.
Which one is right for you?
- Best for Beginners: Upstart Open Upstart
- Best for Power users: LendingClub Open LendingClub
- Best for Low-cost seekers: Upstart Open Upstart
- Best for Feature maximalists: LendingClub Open LendingClub
Final verdict
Both are strong contenders. Pick Upstart if you want the smoother onboarding and lower total cost. Pick LendingClub if you need the deeper feature set.
Frequently asked questions
Related content
More from DollarScout on this topic.
