Electronic and Telephonic Communication Consent

When you visit the Site, or send emails to LendingPoint, FinWise Bank, a Utah-chartered bank, Member FDIC (“FinWise”), a Utah-chartered bank, Coastal Community Bank, Member FDIC; Member FDIC; or our respective agents (together “we” or “us”), you are communicating with us electronically and you consent to receive all agreements, notices, disclosures and other communications that we provide to you (“Communications”) from us electronically to the extent permissible by law. We will also communicate with you by email or by posting notices on the Site. You agree that all Communications that we provide to you electronically satisfy any legal requirement that such communications be in writing to the extent permissible by law. You agree that we may send emails to you for the purpose of advising you about the Site, about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law. If you provided a residential or cell phone number, then you authorize us to call it or send text messages. We may use an auto-dialer, prerecorded messages, and/or SMS text message to make such call(s). These calls will provide account information and services, such as transaction approval, payment reminders, and collection efforts. For SMS text messages, you can withdraw consent by following the opt-out procedures in the message or by telling us in writing at our address below. Receipt of residential and cell phone calls (including text messages) may be subject to charges from your service provider.

Withdrawing Consent.You may withdraw your consent to transact business electronically by sending a written statement indicating the effective date of your withdrawal and the address to which you wish to receive further communications to: LendingPoint LLC, 1201 Roberts Blvd, Suite 200, Kennesaw, GA 30144 Attention: Compliance. If you withdraw your consent to receive disclosures and information electronically while your loan request is still pending, LendingPoint will terminate your loan request and neither LendingPoint nor any other Lender for whom LendingPoint is underwriting, will consider your loan application. If you withdraw your consent to receive disclosures and information electronically after you have entered into a loan agreement or your use of the Site is otherwise terminated or suspended, then all other terms and conditions will remain the same, and LendingPoint will mail disclosures and any other required information to the most recent home address you have provided.

Hardware and Software Requirements. To access and retain the Communications electronically, you will need to use a device with an internet connection and an up-to-date browser capable of opening portable document formats (“PDF”), such as Microsoft Internet Explorer (see www.microsoft.com/ie for current version) or Mozilla Firefox (see www.mozilla.com for current version), and a valid email address that has been provided to LendingPoint. You acknowledge that you can receive and access communications in the formats described herein. For access and optimal printing of your loan documents in PDF format, you should consider downloading Adobe Reader (to install the free version of Adobe Reader click here: get.adobe.com/reader/otherversions/).

Mobile Technology. If you are accessing the Site electronically through a mobile device, such as a tablet, smartphone or similar device, you must be able to print and save the transmitted Communications. You can find apps that support printing and saving for most mobile devices through your mobile device’s app store. If your mobile device does not have this functionality, you must access the Site through alternate means that provide you with the ability to print and save the Communications.

Assignment. In addition, you further acknowledge that your consent to have all Communications provided or made available to you in electronic form and to do business with us is assignable to any entity that succeeds LendingPoint in servicing your loan, and/or owns a loan you obtained from us or with our assistance.

Updating Your Contact Information. You agree to keep us informed of any changes in the telephone number, email and mailing address you provide to us so that you continue to receive all Communications without interruption. You can contact us by calling Member Services at (888) 969-0959, sending an email to customerservice@lendingpoint.com, or sending a letter to LendingPoint, LLC, Attn: Member Services, 1201 Roberts Blvd, Suite 200, Kennesaw, GA 30144.

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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 up to 10% 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 $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

* Applications submitted may be funded by one of several lenders including First Electronics 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. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $1,500. Upon final underwriting approval to fund a loan, said funds are often available the next non-holiday business day. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary. Loans are offered from $500 to $10,000 (loan amount maximum based on MCC codes), at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 48 months. For example, for a well-qualified customer, a $5,000 purchase will have a 90-day promotional period with no interest, a 3% fee, and $100 monthly payments. After the promotional period, a remaining balance will be a 24-month term loan, and $263.72 monthly payments with an overall APR of 26.54%.

**Minimum initial transaction of $1,000 in Alabama, Idaho and Iowa.

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