• Unlock the
    Possibilities

  • Unlock The Possibilities

LendingPoint enriches people’s lives by simplifying financial services and unlocking the possibilities.

The LendingPoint Difference

Customer First

Our products help you build customer relationships, understand their priorities and deliver the best possible solution.

Responsible Finance

LendingPoint solutions comply with all laws, regulations and codes of conduct to provide operational transparency and fairness.

Innovation

We continuously adapt and evolve our products to increase your business value and enhance your customers’ experience.

Experience

Our solutions have been built using the collective expertise from a team of industry veterans.

Offer Accessible Financing to More Customers

Point-of-Sale Financing

Better financing options that drive more sales and higher ticket amounts
  • Our smart technology allows us to understand the individual creditworthiness of every applicant and offer more loans to more customers.

  • Serving a FICO® range from 580 – 850, we provide loan options to more people than the competition.

  • Intuitive and simple digital loan application with fast decisioning.

  • We’re recognized for our best-in-class customer service – 86 Net Promoter Score vs. a Financial Services industry avg. of 34.

  • We have a solid reputation with an “A+” rating from the BBB and over 5000 Trustpilot 5-star reviews.

Provide Working Capital Solutions for Sellers on Your Marketplace

Marketplace Seller Financing

Provide the solutions your sellers need to manage and grow their businesses.
  • Attract more sellers by offering white-labeled seller financing loans (interest based, fixed payment terms) and working capital loans (fee-based, no interest, sales-based repayment).
  • Increase your Marketplace brand’s value proposition to attract more sellers.

  • Integrates seamlessly into your current systems. No need for additional tools, apps, or software.
  • Brand with your Marketplace look and feel to create a singular experience for your sellers.

Contact Us to Learn More

Let LendingPoint Unlock the Possibilities for you and your customers.

Already A merchant?

LendingPoint is an Atlanta-based lender and servicer, redefining who can access money at fair rates.

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; Coastal Community Bank, Member FDIC; and LendingPoint, 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 7% 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 $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 60 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $1,500. For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 24.34% and origination fee of 7% will have a payment of $327.89 per month. (Actual terms and rate depend on credit history, income, and other factors.) The $15,575.04 total amount due under the loan terms provided as an example in this disclaimer includes the origination fee financed in addition to the loan amount. Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount. 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 concerning Coastal Community Bank is the Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480. 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

California residents click here ››

Wisconsin residents click here ››

Ohio residents click here ››

LendingPoint's NMLS #1424139 Visit NMLS Consumer Access