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I have been paying off a small loan with Lending Club for over a year now. I kept receiving notifications that I qualify for a second load. So, I finally decided to do so and they said I don't qualify. Therefore my credit dropped a few points because they re-ran the process and now I can't apply for anything with Lending Club. As soon as my loan is paid off, it will be the last time I work with this company. You would think they would lean more towards their customers who never miss a payment, but I was wrong. My point is, if they are sending you offers and qualifying emails, don't re-apply for a second loan, 99% or the time it will be denied.
Products used:
Applying for a loan, after already having one with the company for over a year.
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