If you need to get a loan, you may consider checking out

It allows you to find an optimal offer that suits your situation.

In this review, we will provide more info about this service, so that you know if it is a scam or reliable provider that you can deal with.

About My instant offer

When you enter, you will be directed to a portal of Lending Club, which allows borrowers to find lenders with good conditions and vice versa.

The company is based in San Francisco (LendingClub – MY Instant Offer).

It has been operating since 2007 and has provided their services for millions of people.

You can apply for a loan for different purposes, including the following:

  • Education;
  • Vacation;
  • Medical expenditures
  • Home renovation;
  • Paying off credit cards interest;
  • Car purchasing;
  • Debt consolidation
  • Other types of expenditures.

What Do They Offer?

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Their customers can apply for a personal loan in the amount of up to $40,000.

All loans provided by this service are managed by WebBank.

The rate is calculated individually, and it depends on different factors, including the following:

  • Amount;
  • Term;
  • Credit purpose;
  • Credit history score, credit score
    and others.

Along with APR, you will also need to play loan fees of 1-6%.

How to Apply for a Loan?

Once you enter, you will see a field where you need to type your 12-digit code.

You can get it from an offer letter.

Then you will need to specify some information about yourself and your loan, including the following:

  • Amount;
  • Info about applicant/applicants;
  • O.B;
  • Your annual income;
  • Your name;
  • Your address;
  • Email address;
  • Agreeing to terms and conditions;
  • Your SSN.

And submit your loan application.

Customer Reviews and Ratings

You can find some customers reviews on this website, according to which its rating is 4.82 out of 5 based on 38,106 comments.

Their rating on the BBB’s website is A-, which is also good. Currently, there are 110 reviews on this site, 72 of which are negative.

Lending Club informed the BBB that their name had been used in a scam, which can explain lots of negative comments.

On 25 of April 2018, the FTC filed a complaint against the company regarding charging more fees than was expected and for wrong promises to give loans.


As you can see from this review, there are some advantages of the service, but it is important to mind additional fees, many complaints about the services, as well as a complaint filed against the company by the FTC.

That is why it is recommended to think of taking loans from My Instant Offer after all of the issues are sorted out.

Warning: interest rates can be hight.

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