Your dreams — funded by your neighbors. Get homegrown financing from locals just down the road.
- Affordable Rates
- Flexible Terms
- Local Decision-Making
- Personal Service
- Competitive rates for a wide variety of personal needs:
- Vehicle repairs or updates
- Family vacation
- Education expenses
- Personal projects or startups
- And much more
- Flexible terms customized to your unique situation
- Set up “Auto Pay” to receive a 0.25% rate discount
- Fast decision-making and processing right here in Fairbanks
- Attentive, friendly service from local financial experts
Denali State Bank has partnered with LendingClub, a trusted credit marketplace, to provide its customers a lower-cost alternative to a traditional personal loan.
LendingClub is America's largest online credit marketplace. They use technology to operate a credit marketplace at a lower cost than many traditional bank loan programs, with lower rates.*
Over 2 million customers have used a personal loan through LendingClub to pay down their high interest debt, kick-off a home improvement project or make a major purchase. Learn why more borrowers are choosing a loan through LendingClub every day.
Fast and Easy Application
Fast and easy application, with no impact to your credit score**. You can instantly review loan offers that you qualify for and then complete your application all online! Visit the website.
Flexible Amounts and Terms, with No Pre-Payment Penalties
Loan amounts up to $40,000, featuring monthly installment payments that will never increase.
Prepay and Save
You can prepay your loan at any time to eliminate future interest payments. There's never a prepayment penalty or fee.
How do I apply for a loan?
Applying for a loan through LendingClub is fast, easy, and confidential.
- Visit lendingclub.com/Denali
- Enter the information requested. Remember, you can check your rate in just minutes with no impact to your credit score**
- Select the option you like best from the offers you receive
- Complete the online application form and verification process
- If you are approved and investors commit to backing your loan, your loan proceeds are automatically deposited into your bank account!
Who will service my loan if I borrow through this program?
LendingClub will service your loan; therefore, you would manage your account through their website and contact them directly with any questions.
Can I make a payment on the loan at any Denali State Bank branch?
No, all payments must be made directly through LendingClub. Once you are a LendingClub customer, payments are automatically deducted from your bank account, and you'll receive an email reminder a few days beforehand so you can make sure the money is there. You may also choose other payment methods.
*All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history.
**Checking your rate generates a soft credit inquiry, which is visible only to you, A hard credit inquiry that may affect your credit score only appears when your loan is issued.
The only personal loan with Take-Backs™
Introducing a new type of personal loan that helps you get out of debt faster — and save on interest. See the difference that Take-Backs can make.
- Pay ahead to shorten the term and save on interest
- Access that extra cash at any time
- Manage your loan with a mobile-friendly dashboard
- See the impact of changes before you make them