A personal loan through LendingClub can help you meet your financial goals. Refinance your credit cards with a personal loan—and circle the date you can be debt free. Pay down credit cards Simplify your life with a single monthly payment by getting an affordable, fixed-rate loan. Consolidate your debt Start your home improvement project now, without waiting for a home equity loan or line of credit. Improve your home Pay for an unexpected expense or major purchase in fixed installments instead of using a credit card. Cover major expenses