Jun 13, 2023
Welcome to LendingPoint
Please carefully review these terms and conditions of use before accessing
or using this site or any data thereon. Any access to or use of this
website creates a binding agreement to comply with these terms and
conditions. If you do not agree to all of these terms as is, you must exit
this site immediately.
The following are terms of a legal agreement (the “Agreement”) between you
and LendingPoint LLC (“LendingPoint”) that sets forth the terms and
conditions for your access or use of this web site at www.lendingpoint.com,
including any subdomain thereof (the “Site”). The Site is owned and operated
by LendingPoint. This Site is being provided to you expressly subject to
this Agreement. By accessing, browsing and/or using the Site, you
acknowledge that you have read, understood, and agree to be bound by the
terms of this Agreement and to comply with all applicable laws and
LendingPoint reserves the right to unilaterally amend this Agreement at any
time and will provide notice of any such changes by posting the revised
Agreement on the Site. You should check this Agreement on the Site
periodically for the most current Agreement in effect. All changes shall be
effective upon posting. Your continued use of the Site after any change to
this Agreement constitutes your agreement to be bound by any such changes.
LendingPoint may terminate, suspend, change, or restrict access to all or
any part of the Site without prior notice or liability.
Please review our
(which also governs your visit to the Site) to understand our practices.
Additionally, by using the Site, you acknowledge and agree that Internet
transmissions are never completely private or secure. You understand that
any message or information you send to the Site may be read or intercepted
This Site, the content, any materials downloaded, and all intellectual
property pertaining to or contained on the Site (including but not limited
to copyrights, patents, database rights, graphics, designs, text, logos,
trade dress, trademarks and service marks) are owned by LendingPoint or
third parties and all right, title and interest therein shall remain the
property of LendingPoint and/or such third parties (collectively, the
“Content”). All Content is protected by trade dress, copyright, patent and
trademark laws, and various other intellectual property rights and unfair
You are authorized solely to view and retain a copy of the pages of the Site
for your own personal, non-commercial use. You may also view and make copies
of relevant documents, pages, images or other materials on the Site for the
purpose of transacting business with LendingPoint. You agree that you will
not duplicate, publish, modify, create derivative works from, participate in
the transfer of, post on the World Wide Web, or in any way distribute or
exploit the Site, or any portion of the Site for any public or commercial
use without the express written consent of LendingPoint. Additionally, you
agree that you will not (i) remove or alter any author, trademark or other
proprietary notice or legend displayed on the Site (or printed pages
produced from the Site); and not (ii) make any other modifications to any
documents obtained from the Site other than in connection with completing
information required to transact business with LendingPoint.
You agree to use the Content and Site only for lawful purposes. You are
prohibited from any use of the Content or Site that would constitute a
violation of any applicable law, regulation, rule or ordinance of any
federal, state, or local government, or that could give rise to any civil or
criminal liability. Any unauthorized use of the Site, including but not
limited to unauthorized entry into LendingPoint’s systems, misuse of
passwords, or misuse of any information posted on the Site is strictly
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; 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.
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. We
will not charge you a fee for such paper copies.
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
(“PDF”), such as Microsoft Internet Explorer (see www.microsoft.com/ie
for current version) or Mozilla Firefox
for current version),
and a valid email address that has been provided to LendingPoint. You acknowledge that you can receive and
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
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
mobile device does not have this functionality, you must access the Site through alternate means that provide
with the ability to print and save the Communications.
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
You can contact us by calling Member Services at (888) 969-0959, sending an email to
or sending a letter to LendingPoint, LLC, Attn: Member Services, 1201 Roberts Blvd, Suite 200, Kennesaw, GA
MOBILE VERIFICATION SECURITY
You authorize your wireless carrier to use or disclose information about your account and your wireless device,
available, to LendingPoint, LLC or its service provider for the duration of your business relationship, solely
help them identify you or your wireless device and to prevent fraud. We collect information from your mobile
operator and your device to protect the Site and your account from fraudulent use and to customize the
for you. You authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other
branded wireless operator) to use your mobile number, name, address, email, network status, customer type,
role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available,
allow verification of your identity and to compare information you have provided to LendingPoint with your
operator account profile information for the duration of the business relationship. See our Privacy Notice
for how we treat your data.
As a condition of your use of the Site, you agree that you will not, and nor will you take any action intended
(i) access data that is not intended for you; (ii) invade the privacy of, obtain the identity of, or obtain any
personal information about any customer or user of the Site; (iii) probe, scan or test the vulnerability of the
or the LendingPoint network or breach security or authentication measures without proper authorization; (iv)
to interfere with service to any user, host or network or otherwise attempt to disrupt our business, including,
without limitation, via means of submitting a virus to the Site, overloading, “flooding,” “spamming,” “mail
or “crashing;” or (v) send unsolicited mail, including promotions and/or advertising of products and services.
Violations of system or network security may result in civil or criminal liability.
LINKS TO THIRD-PARTY SITES
The Site may contain links to outside services and resources, the availability and content of which LendingPoint
not control. We are not responsible for examining or evaluating, and we do not warrant the offering of these
businesses or individuals or the content of their web sites. You acknowledge that use of any third-party sites
constitute an endorsement or recommendation by LendingPoint of such sites or the content, products, advertising
other materials presented on such sites, but are only for your convenience and you access them at your own risk.
provide less security than this Site. LendingPoint does not assume any responsibility or liability for the
products, attributes of, security or content of these third-party sites or third parties. Any concerns regarding
such service or resource, or any link thereto, should be directed to the particular outside service or resource.
RECORDING AND MONITORING
You consent to the recording and monitoring, for purposes including but not limited to quality assurance,
risk management and/or collection purposes, of any call or email that you place with LendingPoint (or our
representatives, affiliates, third parties or anyone calling on our behalf) or that LendingPoint (or our agents,
representatives, affiliates, third parties or anyone calling on our behalf) places to you.
files transferred by a website to your computer’s hard drive. LendingPoint or its service providers may send
when you surf our site or sites where LendingPoint ads appear, make purchases, request or personalize
or register yourself for certain services. Accepting the Cookies used on our Site, sites that are “powered by”
another company on LendingPoint’s behalf, or sites where our ads appear may give us access to information about
browsing preferences, which we may use. Cookies are typically classified as either “session” Cookies or
- Session Cookies do not stay on your computer after you close your browser.
- Persistent Cookies remain on your computer until you delete them or they expire.
You can prevent Cookies or selectively accept Cookies by adjusting the preferences in your browser. If Cookies
not accepted, there may be some features of our site that will not be available and some websites may not
Cookies we may use include HTTP cookies, flash cookies, HTML5 and Flash local storage, web beacons/GIFs,
previous use of an online service, for when you later return to that online service. A visitor to a website may
learn more about Cookies on the Site and opt-out of certain Cookies by visiting either of these websites:
LendingPoint does not store passwords or any other information about a visitor in a Cookie that would identify
locate them, and determine their preferences or their financial activity. Aggregated customer information may
LendingPoint assess the performance of the Site and develop strategies to maximize utility. This information may
provided to other companies, including but not limited to third party advertisers. See also, our Privacy Notice
Third Party Websites.
We use third party advertising and media companies to serve ads on our behalf across the Internet and to help
collect anonymous information about your visits to our site and your interaction with our ads and content. For
instance, they may keep track of how many of our ads you have seen on other web sites before visiting our web
This information is used to understand your browsing behavior and interests so that we can identify your needs
provide service that is tailored to you.
We do not currently take actions to respond to “Do Not Track” signals from your browser because a uniform
technological standard has not yet been developed. We continue to review new technologies and may adopt a
once one is created.
Applications for loans submitted on this website may be funded by one of several lenders (each, a “Lender”),
including FinWise Bank, a Utah-chartered bank, member FDIC and by a Utah-chartered bank,
member FDIC and by LendingPoint LLC, a Delaware limited liability company with its principal place of business
Kennesaw, Georgia. All loan determinations are subject to credit review and approval, and rates and fees are
to change. No information on the Site should be construed as a guarantee of specific lending results. Not all
applicants will qualify for all loan products offered. When making a credit decision, including determining
applicable annual percentage rates, Lenders may consider credit score, loan amount, loan term, credit usage and
other information, or additional factors. Individual applicants, among other things, must be U.S. citizens or
permanent residents, must be at least 18 years old or the age of contracting majority in the borrower’s state of
residence, must have a valid bank account located in the United States, and must have a valid social security
number. To apply for a loan, you will need to register on the Site and provide requested information and/or
documentation. You represent and warrant that any joint account holder on bank accounts used for repayment of
loan has consented to any withdrawals for payments or other transfers. For individuals who are approved for a
the consumer agrees that the Lender accepts no liability or responsibility for failing to make a transfer of
approved loan funds within any specified period for any reason.
The business hours of LendingPoint are Monday to Friday, 8 a.m. to 9 p.m. ET, Saturdays from 10 a.m. to 4 p.m. ET, and closed on Sundays. All application and loan processing are conducted Monday to Friday during business hours, including all money transfers related to loans. If applications are submitted after 5 p.m. ET on any given day, processing will not occur until the following business day. Successful application processing is contingent on the consumer providing all requested information and documents and passing all underwriting requirements of LendingPoint or the Lender.
LOCATION FOR LOAN AVAILABILITY
The Lenders only consider making loans to residents of certain states in the United States of America in
with federal and specific state laws and requirements. Every loan amount may not be available in every state.
with LendingPoint to determine in which states loans are available.
We will notify you if your application is incomplete, and you’ll have the option to provide additional
documents. Loan applications are canceled after 30 days of inactivity.
CUSTOMER WEBSITE ACCOUNTS
If you receive a loan from a Lender you will be sent the username and password to your user account with
LendingPoint. By creating a user account, you acknowledge and agree that the Lender and any agents or third
with whom the Lender contracts or engages may gain access to and may utilize and/or collect information
WEBSITE AND ACCOUNT USER REPRESENTATIONS AND WARRANTIES
You represent, warrant and agree that you will not:
- Submit any materials through your account or otherwise that violate or infringe on the rights of any third
- Use the Site to upload, post, email, transmit, or otherwise make available any unsolicited or unauthorized
advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes” or any other
commercial or non-commercial solicitation or bulk communications of any kind to any Site user or third
- Use the Site in any unlawful manner or in such a way that it could damage, disable, burden or impair the
- Register for more than one user account; register for a user account on behalf of someone other than
including a group or entity; or operate a user account for someone who is not eligible for a user account;
each case except where authorized by LendingPoint;
- Impersonate someone else or falsely represent any information about yourself or another; or
- Use or attempt to use someone else’s account without authorization from the account user and not otherwise
violate the provisions of the Account Security stipulations below.
LENDINGPOINT DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, DOCUMENT OR FEATURE OF THE SITE WILL BE ERROR-FREE
UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS.
MATERIAL IN THE SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU AGREE THAT THE SITE AND
CONTENT ARE DELIVERED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS, THAT LENDINGPOINT MAKES NO REPRESENTATION NOR
(EXPRESS OR IMPLIED) THAT THE SITE OR DOCUMENTS DOWNLOADED IN RELATION THERETO ARE FREE OF VIRUS OR DETRIMENTAL
ASPECTS AND YOU ASSUME ALL RISKS THEREWITH. YOU ACKNOWLEDGE THAT LENDINGPOINT DISCLAIMS ALL WARRANTIES,
IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR
PURPOSE. LENDINGPOINT DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES
CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE. YOU ASSUME TOTAL SELF RESPONSIBILITY FOR YOUR USE OF THE
AND ANY LINKED SITES. YOU AGREE THAT YOUR SOLE REMEDY AGAINST LENDINGPOINT FOR DISSATISFACTION OR PROBLEMS WITH
SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT.
Further, you understand and agree that your use of the Site is entirely at your own risk. LendingPoint is not
responsible for the actions or content of users or third parties. LendingPoint does not promise any specific
from the use of the Site or related to a user’s attempt to obtain a loan. The Site may be temporarily
from time to time. LendingPoint reserves the right to deny you access to or use of the Site for any reason or
reason. LendingPoint is not responsible for any loss or damages that result from use of or lack of access to the
Site or the services offered by the Site.
LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES WILL LENDINGPOINT BE LIABLE FOR ANY DAMAGES INCLUDING GENERAL, SPECIAL, DIRECT, INDIRECT,
INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR ANY OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR
INTERRUPTION) OF ANY KIND WHETHER IN AN ACTION IN CONTRACT OR TORT OR OTHERWISE ARISING OR RELATING IN ANY WAY
THE USE OR INABILITY TO USE BY ANY PARTY OF THE CONTENT, THE SITE OR ANY THIRD-PARTY SITE TO WHICH THIS SITE IS
LINKED, OR ANY ASPECT RELATED THERETO, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION,
INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF
LENDINGPOINT, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.
LENDINGPOINT IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER OR THIRD PARTY OF OR
TO THE SITE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS SITE IS TO STOP USING THE SITE. IF YOUR USE OF
FROM THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ANY
THEREOF. IF THE FOREGOING LIMITATION IS FOUND TO BE INVALID, YOU AGREE THAT THE LENDINGPOINT’S TOTAL LIABILITY
ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED
By using the Site, you agree to defend, indemnify, and hold harmless LendingPoint from and against any and all
losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) arising or
from your use of this Site, material you post, material you submit or send through the Site, the Content, or
investigation, settlement and defense of any such action or claim.
LAW AND VENUE
governed by the laws of the State of Georgia without regard to its conflicts of law provisions. You agree to the
personal jurisdiction by and venue in the state and federal courts in Georgia and agree and consent that the
or state court with jurisdiction in Cobb County, Georgia are the exclusive forum for litigation of any claim or
cause of action arising out of or relating to this Site or the Content or matters related thereto. You agree
regardless of any statute or law to the contrary, any claim or cause of action arising out of or relating to
Site or the Content or matters related thereto must be filed within one year after such claim or cause of action
arose or be forever barred.
provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and
enforced to the fullest extent permitted by law.
Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their
successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any
provision of the Agreement. All rights not expressly granted herein are hereby reserved. Headings are for
purposes only and in no way define, limit, construe or describe the scope or extent of such section. This
shall be subject to any other agreements you have entered into with LendingPoint. Certain sections or pages on
Site may contain separate terms and conditions of use, which are in addition to the terms and conditions of this
Agreement. In the event of a conflict, the additional terms and conditions will govern for those sections or
DATA OWNERSHIP AND SHARING WITH THIRD PARTIES
From time to time, LendingPoint will share consumer information with third parties. These third parties may
with responding to your requests, making loans, processing loans, and other related functions. We may also be
required to disclose this information by law in conjunction with a law enforcement mandate, judicial proceeding,
court order, subpoena, search warrant or other such request. You acknowledge that data, information, and records
obtained by LendingPoint in the course of your visiting or using this Site, whether stored in electronic or hard
copy, will be the sole property of LendingPoint. You acknowledge that LendingPoint owns all rights and interest
such information obtained or provided, and you place no restriction on the lawful use of this information by
LendingPoint. You expressly authorize and LendingPoint reserves the right, based on this authorization, to
distribute, transfer, share, trade, disclose, and/or sell, or offer to utilize, distribute, transfer, share,
disclose, and/or sell data received about you to third parties for any lawful purpose. Such lawful purposes may
include, but not be limited to, the purposes of marketing, underwriting, fraud detection, account and portfolio
management, collections, loan making and overall consumer risk assessment. This information may include, but is
limited to, information relating to your visit to or use of this Site, information provided during the
process, and/or your account history or payment history under any agreements you may have with LendingPoint or
other Lender. This data may include, in some instances, but is not limited to, personally identifiable
Please review the LendingPoint Privacy
, hereby incorporated by reference
into this Agreement, which explains the information that is collected through this Site and which may be
to third parties.
This Agreement is effective until terminated by LendingPoint. LendingPoint may terminate this Agreement at any
without notice, or suspend or terminate your access and use of the Site at any time, with or without cause, in
LendingPoint’s absolute discretion and without notice. The following provisions of this Agreement shall survive
termination of your use or access to the Site: the sections concerning Intellectual Property, Electronic and
Telephonic Communication Consent, Site Security, Links to Third Party Sites, Recording and Monitoring, Cookies,
Customer Website Accounts, Website and Account User Representations and Warranties, Data Ownership,
Disclaimers, Limitation of Liability, Indemnity, Law and Venue and General Provisions, and any other provision
by its terms survives termination of your use or access to the Site. If your use of the Site is terminated or
suspended, you acknowledge that termination or suspension of your Site privileges does not cancel payments or
outstanding obligations. Further, you agree that you will remain responsible for all transactions initiated
the Site prior to the suspension and/or termination and any fees incurred in connection with the services
by LendingPoint or any other Lender.
If you believe, in good faith, that any materials on the Site infringe your copyrights, notifications of claimed
copyright infringement should be sent to LendingPoint’s designated agent. Notification should include:
- an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright
- a description of the copyrighted work that you claim has been infringed;
- a description of where the material you claim is infringing is located on the Site;
- a statement by you that you have a good faith belief that the disputed use is not authorized by the
owner, its agent or the law; and
- a statement by you, made under penalty of perjury, that the above information in your notice is accurate and
that you are the copyright owner or duly authorized to act on the copyright owner’s behalf.
You may contact LendingPoint’s agent for notification of claimed copyright infringement by e-mail at
or by regular mail at LendingPoint,
LLC, 1201 Roberts Blvd, Suite 200, Kennesaw, GA 30144. Attention: Chief Business Affairs and Legal Officer.