Personal Loans

Personal Loans* through LendingClub

First South has partnered with LendingClub, a trusted credit marketplace, to provide customers a lower-cost alternative to a traditional personal loan.

 Unsecured personal loans up to $40,000


 Funding in a few as seven (7) days


 Fixed monthly payments

LendingClub is America's largest online credit marketplace, serving customers like you for over 10 years. They use technology to operate a credit marketplace at a lower cost than traditional bank loan programs, and pass savings on to customers with lower rates.

Over 1.5 million people have chosen to work with LendingClub to take control of their debt, kick-off a home improvement project, or make a major purchase. Learn why more borrowers everyday are choosing a loan through LendingClub.

Fast and easy application

Apply online in minutes, with no impact to your credit score. You can instantly review loan offers that you qualify for from the comfort of your home. If you have questions along the way, you can get assistance from a dedicated team of world-class US-based loan specialists.

Fixed & affordable rates 

All loans feature an affordable fixed rate, which means your monthly payment will never increase!

Prepay & save

You can prepay your loan at any time to eliminate future interest payments. There are never prepayment fees or penalties. 

Single, convenient monthly payment

Loan payments can be automatically scheduled each month. 

A+ rating with the Better Business Bureau

Since 2007, 1.5 million people like you have obtained over $26 billion in loans via LendingClub.


Who will service my loan if I borrow through this program? Who can answer my questions?
LendingClub will service your loan, therefore, you would manage your account through their website and contact them directly with any questions. First South has arranged a dedicated customer service team to assist our customers with loans through LendingClub. If you have questions, please contact this special customer service team at 844.816.3921.

Can I make a payment on the loan at any First South branch?
All payments must be made directly through LendingClub. Once you are a LendingClub customer, payments can be automatically deducted from your bank account, and you'll receive an email reminder several days beforehand so you can make sure the money is available. You also have the option of opting out of automatic payments and paying by check if you prefer. A $7 check processing fee applies to payment by check.

I received a letter in the mail from LendingClub. What is LendingClub?
First South has partnered with LendingClub, a trusted credit marketplace, to provide our customers a lower-cost alternative to traditional bank loan programs. 

*All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 5.99% to 35.89%. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at time of application. The origination fee ranges from 1% to 6% and the average origination fee is 5.49% as of Q1 2017. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the  website. All loans via LendingClub have a minimum repayment term of 36 months or longer. 

Questions? Reach out to one of our Lenders and they'll help lead you down the right path for a secure financial future.
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