Digital Personal Lending For Banks and Credit Unions

Approve more borrowers and grow your consumer loan portfolio with our AI CreditTech platform.

The consumer loan growth you want, the AI-enhanced credit performance you need.

Our AI CreditTech platform works within your risk rules to deliver higher approval rates. Providing you the ability to meet the borrowing needs of more customers and serve more of your community while building a loan portfolio based on your risk tolerance.

Why LendingPoint?


Fully digital white label personal lending experience right on your website.


Tailored within your credit and pricing box, our AI-driven marketing programs can deliver new customers and loan originations.


Our 86 Net Promoter Score is 50+ points higher than major banks which means your customers will get the first-class service your institution is known for.

Create better loans and say YES more to your customers

LendingPoint AI-Driven Solutions
Using big data and AI technology, our CreditTech platform sees through credit scores to deliver higher approval rates based on a more complete customer story.
Build a profitable personal loan portfolio originated from your credit and pricing rules. Our AI-driven campaigns extend your reach across all marketing channels.
Our APIs can mesh with your existing loan origination systems for anti-fraud, credit scoring, servicing – or all three.
Seamlessly integrate the loan application into your website to offer your customers the online experience they demand while taking advantage of our AI-driven capabilities.

Benefits to Lenders:

  • Grow your portfolio
  • Drive customer loyalty
  • Serve the financial needs of more people in your community
  • Provide a seamless digital lending experience (white label)
  • Increased approvals while staying within risk tolerance
  • Increased overall portfolio performance

Benefits to Their Customers:

  • Short and simple application
  • Fast decisions

contact us to learn more

Let LendingPoint Unlock the Possibilities for you and your customers
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; Coastal Community Bank, Member FDIC; Midland States 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 from 0% to 7% 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 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, $1,500.  For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 24.34% and origination fee of 7% will have a payment of $327.89 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. If the origination fee is added to the financed amount, interest is charged on the full principal amount. 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 concerning Coastal Community Bank and Midland States 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