• Get The Credit You Deserve

    Get The Credit You Deserve

    Personal loans and financing options up to $25,000. Check My Offer

    Just checking your options won’t impact your credit score.

  • Last year, more than 7 million people applied for financing with LendingPoint

  • We’ve loaned more than $1 billion throughout the USA

  • Each week we review more than 75,000 financing requests

  • “Best Personal Loans for 2018” – NerdWallet

    Read more

  • “Best Personal Loans of 2018” – US News & World Report

    Read more

Personal Loans

Personal Loans

Get up to $25,000, as soon as the next business day*

Affordable Payments

Affordable Payments

Options that fit your budget

Built For You

Built For You

Customers with credit scores between 585 – 850
No prepayment penalty
Instant approval

Watch our story

1. Pick Payment

Decisions take a few seconds. Viewing your payment options won’t impact your credit score. 

2. Verify Application

You may be required to provide a few documents to verify the information provided. 

3. Receive Deposit 

Once approved, funds can be sent to your bank account as soon as the next business day.

Check Payment Options
Carmen Smith – LendingPoint customer

“The process was handled very professionally and with ease.”

2018-01-09T14:59:16+00:00
“The process was handled very professionally and with ease.”
Dorinda Brown – LendingPoint customer

“Great courtesy and professionalism.”

2017-10-19T22:02:23+00:00
“Great courtesy and professionalism.”
Donnie McElyea – LendingPoint customer

“Lending Point was very easy to work with.”

2018-01-29T19:01:53+00:00
“Lending Point was very easy to work with.”
JMorgan51511 – LendingPoint customer

“A direct line to my loan officer made all the difference”

2017-12-19T16:09:37+00:00
“A direct line to my loan officer made all the difference”
Enrique Cardenas – LendingPoint customer

“Hassle free”

2017-10-19T22:38:45+00:00
“Hassle free”
Dionne Wells – LendingPoint customer

“Today I have achieved my goal of paying off my debt.”

2018-01-16T13:31:44+00:00
“Today I have achieved my goal of paying off my debt.”
Robert Stampas – LendingPoint customer

“LendingPoint was very professional and patient.”

2018-02-19T16:01:02+00:00
“LendingPoint was very professional and patient.”
Cynthia Hohn – LendingPoint customer

“Treated with respect”

2017-10-19T22:33:55+00:00
“Treated with respect”
Darlene Rutledge – LendingPoint customer

“The best customer service received from a lender that I have received.”

2018-03-30T11:45:22+00:00
“The best customer service received from a lender that I have received.”
Andrew Clarke – LendingPoint customer

“These guys will work with you.”

2017-12-29T15:14:32+00:00
“These guys will work with you.”
Leslie Neuberger – LendingPoint customer

“Without high pressure sales pitches”

2017-10-19T22:32:45+00:00
“Without high pressure sales pitches”
Emily Meeks – LendingPoint customer

“Thanks to LendingPoint I will be out of debt!”

2018-01-04T21:52:14+00:00
“Thanks to LendingPoint I will be out of debt!”
Chris Davis Wegrzyn – LendingPoint customer

“Called me right away to discuss my options”

2017-10-19T22:31:25+00:00
“Called me right away to discuss my options”
Ben Yoho – LendingPoint customer

“Quick, accurate, and caring”

2017-10-19T22:14:46+00:00
“Quick, accurate, and caring”
Nate Mangano – LendingPoint customer

“I can’t believe how quick this process was”

2017-10-19T22:18:04+00:00
“I can’t believe how quick this process was”

USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, member FDIC; Lending Point, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $25,000, at rates ranging from 9.99% to 35.99% APR, with terms from 24 to 48 months. A $10,000 loan with an origination fee of 6% for a period of 24 months with an APR of 24.0980% may have a payment of $529.20 per month (actual terms and rate depend on credit history, income and other factors). The total amount due under the loan terms provided as an example in this disclaimer includes the origination fee financed in addition to loan amount, which is $12,700.80. Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

1. Alimony, child support, or separate maintenance income need not to be revealed if you do not wish to have it considered as a basis for repaying this obligation.

2. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning FinWise Bank is the FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106. The federal agency that administers compliance with this law for LendingPoint is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Click here to see our current list of state licenses

LendingPoint's NMLS #1424139 Visit NMLS Consumer Access