Consumer Loans B

Loans From $2,000 – $36,500*

No Impact to
credit Score

fast
Decisions

Money Next Business
day Upon Approval

$
Legal business name is required

How it works

1

Check your
options

Get started with a simple application to see your payment options with no impact to your credit score.

2

Finish
application

Select the best loan terms and monthly payment for you and provide some additional information to complete your application.

3

Receive
funds

Once approved, the funds could be in your account as soon as the next business day.

Technology that sees your potential

LendingPoint believes you are so much more than numbers on papers or filled-in form fields. That’s why we’ve spent years perfecting a proprietary smart technology that, in seconds, can paint a more complete picture of you. A picture that unlocks your perfect loan solution and all the possibilities that come with it.

True believers

  • “I have been a LendingPoint customer for several years now. Today my representative walked me through a refi process very easily and we concluded almost all of our business before our brief phone call ended! This validates why I will continue to use Lendingpoint.”

    HAS, Trustpilot
  • “I came across LendingPoint by chance. I applied and was approved within 2 days. My loan specialist’s help and encouragement towards completing the process was invaluable. Thank you LendingPoint for placing your trust in me and for giving me peace of mind.”

    Ann Marie, TrustPilot
  • “My experience with LendingPoint was amazing! The representative called me immediately after I had selected one of the offers to move forward. The entire process was quick! Keep up the good work!”

    Zach, TrustPilot

    Unlock the possibilities with a lendingpoint loan

    Fast and easy loans from $2,000 to $36,500 with flexible financing options and rates ranging from 9.99% to 35.99% APR, with terms from 24 to 60 months.

    Questions?

    You probably have questions. Good news is, we have answers. LendingPoint is working hard to make personal finance easy and simple.

    Who is LendingPoint?

    LendingPoint is a provider of unsecured personal loans for consumers across the credit spectrum. By combining technology and proprietary algorithms, we’re driving a better lending and borrowing experience by finding more reasons to say “yes.” Now serving hundreds of thousands of consumers, we’ve expanded into small business, and merchant point-of-sale lending solutions to further unlock access to affordable loans.

    Privacy & Security Policies

    To review our privacy and security policies,
    please visit: https://www.lendingpoint.com/privacy-notice/

    How does LendingPoint keep my personal and bank information safe?

    LendingPoint takes extensive precautions to protect your personal information. We use robust industry-leading procedures and safeguards, including encryption, to secure and protect your personal information. Further information regarding LendingPoint’s security policies and procedures is available upon request by emailing us at info@LendingPoint.com

    What states are LendingPoint loans offered in?

    We offer loans to consumers in 48 states and the District of Columbia. Currently we do not offer loans to consumers in Nevada and W. Virginia.

    How much can I borrow?

    Our personal loans range from $2,000 to $36,500. The loan amount you may be approved for depends upon your individual credit profile and the information you provide during the application process. The maximum loan amount offered is based upon what is believed to be affordable for you. We take several factors into consideration including your current DTI (debt-to-income ratio) and PTI (payment-to-income ratio).

    How can I use my LendingPoint loan?

    You can use your loan for whatever legal personal expense or purchase you choose. Consider it a debt consolidation loan, a wedding loan, an unexpected medical expense loan, a fix-my-car loan, an I-need-a-vacation loan, or a kitchen remodel loan. It’s up to you.

    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; 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.

    Click here to see our current list of state licenses

    LendingPoint's NMLS #1424139 Visit NMLS Consumer Access