Electronic Communication Agreement

Electronic Communication Agreement

Please read this information carefully and print a copy and/or retain this information electronically for future reference.

You understand and agree you are consenting to LendingPoint LLC Electronic Communication Agreement. You acknowledge that you received this Electronic Communication Agreement and can print or retain a copy of it for your records.

You understand and agree you are consenting to LendingPoint LLC Electronic Communication Agreement. You acknowledge that you received this Electronic Communication Agreement and can print or retain a copy of it for your records.

Scope of Consent: This Electronic Communication Agreement applies to all interactions concerning you and LendingPoint LLC and includes interactions engaged in on any computer or mobile device, including phones, smart-phones and tablets. This consent also applies to receipt in electronic form of all disclosures, information, agreements and other documents.

Computer and software requirements: In order to engage in online activities with LendingPoint, 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, sufficient electronic storage capacity on your computer’s hard drive or other date storage units (at least 64 megabytes of memory), and Adobe® Reader® version 7.0 or above. LendingPoint LLC does not provide ISP services. You must have your own Internet Service Provider. If you do not have such a computer, software, or printer to proceed with electronic interaction, you must immediately contact LendingPoint LLC at Customer Service Department at 888-969-0959

Paper Copies. You may obtain a copy of any communication by contacting us at customerservice@lendingpoint.com or calling our Customer Service Department at 888-969-0959.

Change to Your Contact Information: You should keep LendingPoint LLC, third-party lenders and/or the service providers informed of any change in your electronic address or mailing address. You may update such information by logging into LendingPoint’s, the third-party lender’s and/or the service provider’s website or by sending LendingPoint, the third-party lender and/or the service provider a written update by mail.

Withdrawing Consent: You may withdraw your consent to the Electronic Communication Agreement at any time, free of charge. If you withdraw your consent to the Electronic Communication Agreement prior to receiving credit, you will not be able to complete the loan agreement and will no longer be eligible for credit with LendingPoint LLC. If you have completed the lending process and wish to withdraw your consent to the Electronic Communication Agreement, you may do so at any time by sending us a written request by mail to LendingPoint LLC d/b/a LendingPoint, Attn: Customer Service, 1201 Roberts Blvd, Suite 200, Kennesaw, GA 30144 with the details of your request. If you decide to withdraw your consent, the legal effectiveness, validity and enforceability of prior signatures, disclosures and any other communications will not be affected.

 

 

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