You must consent to transact business with LendingPoint LLC and its assignees, and LendingPoint’s bank partners (including First Electronic Bank and FinWise Bank) and their assignees (collectively “we” or “us”) through electronic communications in order for us to process your loan request. The following terms and conditions govern electronic communications in connection with your loan request, LOAN AGREEMENT (if approved) and any communications regarding your account with us (the “Consent”).
By affixing your electronic signature to this Consent, you are confirming that you have agreed to the terms and conditions of the Consent and that you are able to download or print a copy of this Consent for your records.
You agree that:
1. Any disclosure, notice, record or other type of information that is provided to you in connection with your transaction with us, including but not limited to, the Loan Agreement, this Consent, the Truth in Lending disclosures set forth in the Loan Agreement, Privacy Notice, change-in-terms notices, fee and transaction information, statements, delayed disbursement letters, notices of adverse action, and transaction information (collectively, “Communications”), may be sent to you electronically by posting the information at or by sending it to you by email.
2. We will not be obligated to provide any Communication to you in paper form unless you specifically request us to do so by opting out of receipt of electronic communications.
3. You may obtain a copy of any Communication by contacting us at or by calling us at 888-969-0959. You may withdraw your consent to ongoing electronic communications in the same manner and ask that Communications be sent to you in paper or non-electronic form. We will not charge you a fee for such paper copies.
4. You agree to provide us with your current email address for notices, which unless notified otherwise we assume is the email address indicated above. If your email address, telephone number(s), or residence address changes, you must send us a notice of the new address/telephone number(s) by sending us an email at, or using the LendingPoint customer portal, at least five (5) days before the change to be effective with us.
5. In order to receive electronic communications in connection with this transaction, you will need a working connection to the Internet. Your browser must support the Secure Sockets Layer (SSL) protocol. SSL provides a secure channel to send and receive data over the Internet through HS encryption capabilities. Netscape 4.7+ and above, Microsoft Internet Explorer 5.01+ and above, and other web browsers support this feature. You will also need a printer connected to your computer to print disclosures/notices. We do not provide ISP services. You must have your own Internet Service Provider.
6. You agree that you are able to view and/or electronically store the information presented in this Consent. You also agree to print and retain a copy of this Consent for your records.
7. You acknowledge and agree to affix your electronic signature on this Consent and the LOAN AGREEMENT. By affixing your electronic signature to this Consent and the LOAN AGREEMENT, you are agreeing to all of its terms and conditions. You agree that your electronic signature shall have the same force and effect and shall bind you to this Consent and LOAN AGREEMENT in the same manner and to the same extent as a physical signature would do, in accordance with the Electronic Signature in Global and National Commerce Act (ESIGN) to the extent applicable.

8. You are free to withdraw your Consent at any time and at no charge. If at any time you wish to withdraw your Consent, you can notify us by phone at 888-969-0959, or you can send us your written request by email to: or by mail to LendingPoint LLC d/b/a LendingPoint, Attn: Customer Service, 1201 Roberts Blvd., Suite 200, Kennesaw, GA 30144 with the details of such request. If you decide to withdraw your Consent, the legal effectiveness, validity, and enforceability of prior electronic disclosures or Communications will not be affected.


When I click the “SIGN LOAN AGREEMENT & CONSENT to ELECTRONIC COMMUNICATIONS”  button, my electronic signature is authenticated and affixed hereto.

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; 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 9.99% to 35.99% APR, with terms from 24 to 60 months. 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 for LendingPoint is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

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LendingPoint's NMLS #1424139 Visit NMLS Consumer Access