Apply – Enter RSVP Code – Pre-Approved Loan gives you the opportunity to respond to their promotional letter having RSVP code (to apply) to get yourself approved for a personal loan offered by the Lending Club. Simply, enter your Personal (Code from your letter) and get started.

If you’re in need of some additional cash during these challenging circumstances, the Lending Club peer-to-peer lending network could be precisely what you’re looking for!

A personal loan may be just what you need to get you through a difficult moment, whether it’s an emergency like a medical bill or an unexpected and very pricey home repair. The Lending Club’s instant offer tells you how much you may borrow right now, allowing you to get cash quickly while also providing you peace of mind that you’ll be able to meet your responsibilities.

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How does MyInstantOffer work?

MyInstantOffer is a platform that connects borrowers with lenders. It’s a lending club brand that arranges loans for borrowers by linking them with a willing investor who can offer the funds they require. All loans are made by WebBank member FDIC, and the personal funding code is necessary to access and apply for those loans.

Lending Club's mail offer

How does MyInstantOffer function is a question we get asked all the time. The website, however, is self-explanatory as to how MyInstantOffer works. Possessing the offer code is the single tie that ties all knots in how MyInstantOffer works. It’s actually quite simple to obtain your code as long as you are a legal resident of the United States and are at least 18 years old.


If you received a pre-approval offer RSVP code from LendingClub in the mail recently, you could be one step closer to getting the money you need. If you’re approved, you’ll be able to put an extra $1,000 to $40,000 in your pocket. This peer-to-peer loan network makes it simple with a free offer that tells you exactly how much you qualify for in less than 60 seconds with their MyInstantOffer platform.

How to Responed MyInstantOffer Pre-approved Mail Offer

  • Go to on your computer, smartphone, or tablet.
  • Enter the pre-approval code you received in the mail from Lending Club. Select “Next” from the drop-down menu.
  • If you’re not sure where to look for your promo code, click the ‘Where do I look for my code?’ link. You’ll be given an example to guide you.
Note: If you did not receive a letter about your Lending Club Offer, you can find further information by clicking the link. Once you've entered the highlighted RSVP code, you'll be able to view what your loan options are right away! You can also speak with a LendingClub Credit Specialist about your possible loan.
  • Complete the rest of the loan application. Before submitting your application to LendingClub for approval, double-check some details.

Is it Legit?

If you’re unsure whether or not this personal loan offer is legitimate, rest assured that Lending Club is a well-known and respected peer-to-peer lending organization. The company was founded in 2006 and is publicly traded on the NYSE. Not only is that, but its parent company, Lending Club, currently rated A- by the Better Business Bureau (BBB). Having a BBB rating of A+ indicates that the company is reputable and trustworthy.

Terms and Conditions

Before you apply for a Lending Club loan, bear the following in mind: To use the Lending Club Instant offer website

You must be at least 18 years old
Legal and permanent resident of the United States
Have a good internet connection.

It enables borrowers to interact with investors and peer lenders in order to apply for a loan without having to go through a bank. From application to approval to payment, these services are almost entirely online. Many of the borrowers who apply for loans through MyInstantOffer do so for a variety of reasons, including home improvements, debt consolidation, medical expenses, educational expenses, and so on.


Low Organization Charges
Low-Interest Rate
Quick Disbursement of Loan

All you have to do now is follow the steps. The status of your loan application will be notified to you shortly. LendingClub has established itself as a reliable source for personal loans, and its simple business strategy paved the way for today’s popular peer-to-peer lending. Borrowers are matched with investors who are willing to fund loans through peer-to-peer lending. The interest received on borrowed loans generates profits for investors, with interest rates ranging from 6.03 percent to 26%.

Personal loans, which vary from $1,000 to $40,000, are all unsecured loans. Your credit score, credit history, desired loan amount, and debt-to-loan ratio all influence the amount of money you can borrow. If you are approved for a loan, Lending Club matches you with a lender.

Long-term Plan

The typical loan term is three years, but a five-year term is also available for an additional cost and at a higher interest rate. You can pay back the loans at any moment without incurring any penalties. However, the sooner you pay off the loan, the more money you’ll save in interest over time. Based on the requests, each loan is assigned a rating ranging from A to G, with ‘A’ being the highest-graded, lowest-interest loan available. Your application will be processed within a few days, and funding will be given within seven business days. You should keep waiting for approval if it hasn’t been seven days!

With MyInstantoffer, you can simply apply for a personal loan of up to 40,000 dollars as well as a corporate loan of up to $300,000. People can readily obtain personal loans and repay them over a period of three to five years. One of the best things about MyInstantOffer is that you’ll obtain the whole amount of the loan you applied for with extremely cheap interest rates.

Highlights and Lowlights

For single applications, a minimum credit score of 600, a minimum credit history of three years, and a debt-to-income ratio of less than 40% are required.

Borrowers who can demonstrate financial difficulties are allowed to pay just interest for three months (giving them time to get their head back above water)

One borrower must have a credit score of 600 or above to qualify for the joint loan, while the other borrower might have a credit score as low as 540.

Lending Club Review

People have become accustomed to conducting their own research on organisations with whom they wish to do business because they expect more than adverts and website blurbs to help them make their selection. To get some outside perspective, nothing beats word-of-mouth recommendations and reviews, such as a “My Instant Offer review.” We discovered a lot of customers and even well-known businesses who support what and Lending Club are doing through the reviews.

As of June 2016, their online customer reviews are excellent. On their website, they have over 55,000 customer evaluations, with 99 percent of them praising their services — a 4.8 out of 5 star rating. Google became a significant investment in Lending Club in 2013, owning around 7% of the company. The New York Times, CBS News, and other news organisations have confirmed that Lending Club is safe (their portal,, is legit as well). According to The New York Times, Alibaba, China’s largest online corporation, has joined with Lending Club.


While what constitutes an appropriate loan differs for each individual, this lending platform provides borrowers with a number of benefits that they won’t find anywhere else. For good reason, this service appeals to many borrowers due to its lower rates and rigorous security standards. Just keep in mind that before you take out a loan of any size or for any reason, make sure you fully comprehend the terms and costs of the loan.


All of the best peer-to-peer lending websites on our list have different things to offer. Some have high maximum loan amounts and others have more lenient minimum credit score requirements and fast funding times. Overall, we recommend checking out MyInstantOffer.

CompanyStarting Interest Rate Minimum Credit Score Loan Terms (range) Maximum Loan Amount 
All in all best
6.03%5403-5 years$40,000
Best Rates
5.99%6003-5 years$25,000
Best for Borrowers With Limited Credit History
8.27% 600 3-5 years $50,000 
Best for Borrowers With Established Credit History
7.95% 640 3-5 years $40,000 
Best for Fair Credit
5.99% 640 24-60 months $40,000 

Frequently Asked Questions

How do I get a loan?

  • Go to to check your rate. You can check what you qualify for in just a few minutes without harming your credit score.
  • Are you looking for a better deal? Adding a co-borrower may be beneficial. More information on joint applications can be found here.
  • Select your deal. If you qualify, you’ll receive various loan offers; choose the one that works best for you.
  • Submit your online application. Check your information and your To-Do List for any items that need to be completed.
  • Please be patient as we review your submission. You can check on the status of your loan at any moment by logging into your account.
  • Get your money. We’ll deposit the funds directly into your connected account if your information is validated and your loan is funded. Although the funds may take a few days to get in your account, keep in mind that interest will begin to accrue as soon as the loan is given.

How long does it take to get a loan approved?

Many members are authorised in less than 24 hours and receive their funds within a few days. The actual turnaround time for your application will be determined by your specific details. We begin verifying the information you provided regarding your identification, employment, and income as you submit your application.

What is a Pre-Approval Code?

Pre-Approval Code is a 12-digit code that you will receive from the website after you submit your loan application.

What should I do if I’m declined?

You may apply with one of the lending partners. For additional information about such alternatives, go to your account or check your Adverse Action notice. You’re also welcome to reapply with us at any time in the future. Your credit profile can alter every 30 days, and this (together with changes in your work, income, or existing debt) can affect the conclusion.

What if I don’t receive the invitation code?

If you don’t get the RSVP code then you can directly make an account on LendingClub and apply for the MyInstantOffer over there.

Canceling your loan application

Please contact us as soon as possible if you wish to cancel your loan application. Depending on the loan type, you have a limited period to rescind your application after it has been funded. If you decide to cancel, make sure you keep your entire account balance. We’ll make every effort to remove it within 5–7 business days.

How does Lending Club affect your credit?

No, reviewing your rate and applying for a loan with LendingClub will not have an impact on your credit score. Your credit score will not be affected if we are unable to provide you with a loan. Soft credit inquiries will be visible to you, but they will not be visible to creditors or other users of your credit report.

Is there any mobile application for LendingClub?

No, LendingClub doesn’t have any mobile applications as of now. The official website is compatible with mobile web browsers for both Android and iOS devices.

What happens if you don’t pay back lending club?

You will be charged late fees if you default on a lending club loan. These will be 5% of the total payment amount or $15 per payment, whichever is greater. If you do not pay, your debt will be forwarded to collections or auctioned. Debt collectors may call you in an attempt to recover your debt.

What happens if my loan is not approved?

If you are denied a loan, you will receive an adverse action letter from the lender, which will explain why. If your loan application is declined, you are legally entitled to a free copy of your credit report.

Is it bad to get denied a loan?

Rejection of a loan or credit card has no effect on your credit scores. When you apply, creditors may check your credit report, and the subsequent hard inquiry may lower your credit scores slightly. Learn how to manage your next application intelligently and avoid wasting time with unwanted hard queries.