Hello! It’s important to choose the right option to match your financial goals. Based on my own experience, I can suggest that you consider starting a credit union. Credit unions are not-for-profit financial cooperatives that typically offer lower interest rates on loans and competitive rates on savings accounts than traditional banks. They are owned and operated by their members, so their primary mission is to serve the interests of their members. Before you decide to avoid lending club complaints , I recommend comparing the interest rates, fees and services offered by different financial institutions. Look at reviews, talk to current members, and evaluate your own financial goals to find the option that best suits your needs.