LendingPoint believes that everyone deserves to feel the power of possibilities.
Using proprietary algorithms and technologies, we’re creating simple, human and intuitive financial services to enrich people’s lives and empower financial success.
We started this journey by creating customized personal consumer loans. Our model, using data and technology, looks beyond a simplistic credit score to allow us to see a more complete picture and true creditworthiness of each customer. Our short and simple application allows us to deliver instant credit decisions for loans up to $36,500 that include flexible payment terms up to 60 months*, rates as low as 9.99% and next business day funding. By offering customers across the credit spectrum access to credit, we’ve removed the friction from the traditional lending process.
For e-commerce platforms, merchants and other service businesses, LendingPoint offers an easy to integrate API that enables customized financing solutions. With this instant consumer credit pre-approval platform, businesses of all sizes can offer affordable financing options to the widest credit range of their customers – all with just a few lines of code. LendingPoint delivers vertical-specific as well as marketplace and white-labeled solutions, ensuring that any business has the opportunity to offer affordable financing options, including buy-now-pay later to serve more customers and grow their revenues.
Our commitment to customer satisfaction has made us the preferred platform for over $3 billion in loan originations. While serving hundreds of thousands of consumers and thousands more merchant partners, we continue to refine and extend our offerings. Our goal is to evolve our platform to create a new category in financial services. One that democratizes credit, accelerates commerce and powers financial success.