LendingPoint Pay

Offer your customers a 90-day NO INTEREST* loan product on big-ticket purchases with no MDR to you.

Sign up to offer LendingPoint Pay.

A simple POS solution for you and your customers


Quick decisioning and affordable monthly payments


Little to no integration; works with current payment processors

Online account management

Manage everything online in one place, 24/7


6,000+ reviews, Rating 4.9 out of 5 stars

Already a LendingPoint Pay merchant? LOGIN

How It Works

  • 1

    Complete the Application

    Receive an email and apply online within minutes

  • 2

    Receive a Fast

    Get a decision within 24 hours

  • 3

    Setup your

    Get credentials for online account access, once approved

  • 4

    Get the
    welcome kit

    Receive marketing materials within nine business days

  • 5

    Enable your

    Customers can scan your QR code to apply

    Frequently asked questions

    What information do I need to provide to sign up to offer LendingPoint Pay?

    To apply, LendingPoint will need information about you and your business (including business partners). You can view details in the merchant onboarding application.

    How does the customer apply?
    The customer will scan the QR code to access the LendingPoint Pay application on their mobile device, or you can send them an SMS or email through your LendingPoint Business Portal with a link to apply.
    How do I access the QR code?
    Download and print the QR code from the LendingPoint Business Portal under the “Marketing” tab. You can also access the “Invite to Apply” button located on the left side menu bar in the portal to generate an SMS or email with a link to the online application that you can send to the customer.
    Where do I place the QR code?
    Please display the QR code in a prominent area where customers can easily access the application at the point of sale.
    How do I accept LendingPoint Pay as a form of payment?
    The customer will share their digital card number and details with you to manually enter for payment. You will process the digital card the same way you process credit cards.
    How do I know if the customer has been approved for LendingPoint Pay?
    You can find real-time loan status information under the “Customers” section in the LendingPoint Business Portal.
    How long does it take for the customer to have access to their LendingPoint Pay loan?
    Once approved, customers can instantly access funds using their LendingPoint Pay digital card.
    How soon will it take for me to receive the funds from the time of purchase?
    The LendingPoint Pay digital card is processed the same as a credit card, so your receipt of funds will depend on your current batch process with your payment processor.
    How do I see how many transactions have been approved?
    Our Business Portal is designed for real-time transactions. The “Point of Sale” and “Customers” tabs give a more detailed view of individual transactions. To learn more about using the Business Portal, please review the training video in the “Support” tab.
    Whom do I contact for support?

    Please go to the Business Portal under the Support tab, where you can raise a request via email to one of our Support Representatives. You can also call the Business Solutions team at (844)747-3302 during business hours M-F 8am-9pm, Sat 10am-9pm, Sun 10am-4pm ET.

    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.

    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.

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    LendingPoint's NMLS #1424139 Visit NMLS Consumer Access