• Unlock the

  • Unlock The Possibilities

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


We continuously adapt and evolve our products to increase your business value and enhance your customers’ 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 proprietary credit approval technology opens up more possibilities for you by giving your customers access to financing offers at their moment of need.
  • Easy Application & Instant Approval: Our simple application is quick to complete and delivers an instant credit decision.
  • Paperless Process: A completely digital process means you can submit applications any time, from any device – wherever your point of sale happens.
  • See Real Results: Manage and track your applications through our reporting tools and see how financing is improving your bottom line.

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.

Technology for Financial Institutions to Serve More Customers with Better Personal Loan Offers

White-Labeled Credit Approval Technology

Create better loans and say YES more to your customers
  • By relying on big data and AI technology in our proprietary solution, you can deliver instant approvals based on a more complete customer story.
  • Extend your financial institutions personal loan product offering by enhancing your current personal loan platform.
  • Acquire new customers with a distribution network.
  • Augment your financial institution’s cobrand partnership opportunities with installment loans.

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.


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 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 $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 60 months. Georgia loans have a minimum $3,500 loan amount. For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 23.72% and origination fee of 6% will have a payment of $324.48 per month. (Actual terms and rate depend on credit history, income, and other factors.) 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 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