Upgrade Your Home with a Home Improvement Loan from
LendingPoint

$

Checking offers will not impact your credit score

  • Funding as soon as the next business day upon approval
  • Debt consolidation loans from $2,000 to $36,500
  • Flexible terms from 24-60 months
  • No prepayment penalty

3 simple steps

  • 1

    Check your
    options

    Get started with a simple application to see your payment options with no impact to your credit score.

  • 2

    Finish
    application

    Select the best loan terms and monthly payment for you and provide some additional tinformation to complete your application.

  • 3

    Receive
    funds

    When you advertise financing options you could significantly increase your leads.

    home improvement loan or home equity?

    When it comes to paying for home improvement projects, your first thought may be to use your home’s equity, in some cases, a home improvement loan may make more financial sense.

    When a home improvement loan may be a better choice:

    You don’t have much home equity
    You don’t want to use your home as collateral
    You have excellent credit and qualify for lower rates
    You have a smaller expense under an equity loan minimum

    See what thousands of our customers are saying

    Unlock the possibilities with a lendingpoint loan

    Fast and easy loans from $2,000 to $36,500 with flexible financing options and rates ranging from 9.99% to 35.99% APR, with terms from 24 to 72 months.

    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; 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