LendingClub is a decent option for debt consolidation and joint applications. You can borrow slightly more with rates which are lower than what is on offer with Avant. However, the downside of this is that you need a credit score of 600 or more to qualify. Lending Club dies allow you to pay your creditors directly with the funds from your loan, but it can take one week or more to receive the funding. So, if you need access to money quickly, you’re likely to find that Avant is a better option.