• Get The Credit You Deserve

    Get The Credit You Deserve

    We look beyond your credit score at your full credit history. Check My Offer

    Checking an offer will not affect your credit score.

  • This year, more than two million people have applied for financing with LendingPoint

  • We’ve loaned more than $500 million throughout the USA

  • This year, we reviewed loan requests totalling more than $11.6 billion

  • “Best Personal Loans for 2018” – NerdWallet

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

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  • When you tap that ‘Apply’ button, you’re in good company

Personal Loans

Personal Loans

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

Affordable Payments

Affordable Payments

Easy, automatic, online payments

Built For You

Built For You

Customers with credit scores in the 600s

Watch our story

1. Apply in minutes

Enter basic information and simple documentation online.

2. Get a decision right away

We’ll provide you with an offer and payment options in minutes.

3. Funds as soon as the next business day

After loan approval and document validation, funds can be sent to your bank account as soon as the next business day.

Check Your Offer
Ben Yoho – LendingPoint customer

“Quick, accurate, and caring”

November 9, 2017 (click to see more reviews)

2017-10-19T22:14:46+00:00
“Quick, accurate, and caring” November 9, 2017 (click to see more reviews)
Leslie Neuberger – LendingPoint customer

“Without high pressure sales pitches”

November 11, 2017 (click to see more reviews)

2017-10-19T22:32:45+00:00
“Without high pressure sales pitches” November 11, 2017 (click to see more reviews)
JMorgan51511 – LendingPoint customer

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

December 14, 2017 (click to see more reviews)

2017-12-19T16:09:37+00:00
“A direct line to my loan officer made all the difference” December 14, 2017 (click to see more reviews)
Robert Stampas – LendingPoint customer

“LendingPoint was very professional and patient.”

February 19, 2018 (click to see more reviews)

2018-02-19T16:01:02+00:00
“LendingPoint was very professional and patient.” February 19, 2018 (click to see more reviews)
Darlene Rutledge – LendingPoint customer

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

March 30, 2018 (click to see more reviews)

2018-03-30T11:45:22+00:00
“The best customer service received from a lender that I have received.” March 30, 2018 (click to see more reviews)
Dorinda Brown – LendingPoint customer

“Great courtesy and professionalism.”

October 23, 2017 (click to see more reviews)

2017-10-19T22:02:23+00:00
“Great courtesy and professionalism.” October 23, 2017 (click to see more reviews)
Dionne Wells – LendingPoint customer

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

January 15, 2018 (click to see more reviews)

2018-01-16T13:31:44+00:00
“Today I have achieved my goal of paying off my debt.” January 15, 2018 (click to see more reviews)
Chris Davis Wegrzyn – LendingPoint customer

“Called me right away to discuss my options”

November 10, 2017 (click to see more reviews)

2017-10-19T22:31:25+00:00
“Called me right away to discuss my options” November 10, 2017 (click to see more reviews)
Nate Mangano – LendingPoint customer

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

January 6, 2017 (click to see more reviews)

2017-10-19T22:18:04+00:00
“I can’t believe how quick this process was” January 6, 2017 (click to see more reviews)
Enrique Cardenas – LendingPoint customer

“Hassle free”

November 8, 2017 (click to see more reviews)

2017-10-19T22:38:45+00:00
“Hassle free” November 8, 2017 (click to see more reviews)
Cynthia Hohn – LendingPoint customer

“Treated with respect”

March 24, 2017 (click to see more reviews)

2017-10-19T22:33:55+00:00
“Treated with respect” March 24, 2017 (click to see more reviews)
Andrew Clarke – LendingPoint customer

“These guys will work with you.”

December 29, 2017 (click to see more reviews)

2017-12-29T15:14:32+00:00
“These guys will work with you.” December 29, 2017 (click to see more reviews)
Carmen Smith – LendingPoint customer

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

January 8, 2018 (click to see more reviews)

2018-01-09T14:59:16+00:00
“The process was handled very professionally and with ease.” January 8, 2018 (click to see more reviews)
Emily Meeks – LendingPoint customer

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

January 2, 2018 (click to see more reviews)

2018-01-04T21:52:14+00:00
“Thanks to LendingPoint I will be out of debt!” January 2, 2018 (click to see more reviews)
Donnie McElyea – LendingPoint customer

“Lending Point was very easy to work with.”

January 29, 2018 (click to see more reviews)

2018-01-29T19:01:53+00:00
“Lending Point was very easy to work with.” January 29, 2018 (click to see more reviews)

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 a low of 15.49% APR to a high of 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