Trusted and Transparent

 
 
 
 
 
 
 
 
 
 
 
 
 

Trusted and Transparent

Flexible Financing. Real Support. No Surprises.
Personal loans built around you.

Backed by FDIC-Insured Bank Partners

Loans funded by established, regulated financial institutions.

Real Customers, Real Results

Serving customers since 2015, helping them access financing with confidence.

Support Beyond the Application

U.S.-based team ready to help through the life of your loan.

About Us

Who Is LendingPoint?

LendingPoint is a trusted and transparent online lending platform with one mission: Create frictionless access to money when and where our customers need or want it, so everyone has the opportunity to explore what’s possible. We believe you are more than a number on a credit report, so we built proprietary AI technology that paints a more complete picture of who you are and what you’re capable of.

Since 2015, we’ve helped consumers access personal loans from $1,000 to $36,500*, with clear terms, transparent rates, and no surprises. Learn more about our personal loans or read about our story and mission.

Trust & Verification

Is LendingPoint Legitimate?

Yes. LendingPoint is a trusted and transparent online lending platform and loan servicer backed by trusted bank partners. Here’s what that means for you:

  • Bank-backed loans you can trust: Loans are funded by established FDIC-insured banks, including FinWise Bank and Coastal Community Bank.
  • Verifiable business: Registered with the Nationwide Multistate Licensing System (NMLS #1424139).
  • Built to follow federal consumer protection laws: We comply with the Equal Credit Opportunity Act.
  • Accountable and regulated operations: Subject to oversight designed to protect consumers and ensure responsible lending.
  • Serving customers since 2015: Helping customers access financing with confidence.

View our state licenses  |  Visit NMLS Consumer Access

Customer Reviews

What Our Customers Say

Trustpilot
Read more reviews on Trustpilot

Data Security

How We Keep Your Information Safe – Trusted and Transparent at Every Step

Your personal and financial information is protected every step of the way. LendingPoint uses robust, industry-leading encryption and security procedures to safeguard your data from the moment you log in through every step of the application and loan process.

  • Bank-level encryption on all personal and financial data
  • Strict data privacy policies governing how your information is used and shared
  • Secure login systems with encryption to protect your credentials
  • Multi-factor authentication (MFA) to verify your identity
  • Automatic monitoring that flags suspicious account activity in real time
  • Session timeouts and access controls to prevent unauthorized use

Fraud Awareness

Protect Yourself from Scams

LendingPoint will never contact you and ask for payment via:

  • Gift cards or prepaid cards
  • Cash reload cards
  • Wire transfers
  • Money transfer apps

If anyone contacts you claiming to be LendingPoint and asks for payment in any of these forms, it is a scam. Contact us directly at (888) 969-0959 or info@lendingpoint.com.

Learn How to Spot Financial Scams

Loan Details

Transparent Lending with No Hidden Surprises

Loan Amounts
$1,000 – $36,500*
Terms
24 – 72 months
APR Range
7.99% – 35.99%
Origination Fee
Up to 10%
Always disclosed upfront
Application Fee
✓ None
Free to apply, always
Prepayment Penalty
✓ None
Pay off early, save on interest
Hidden Fees
✓ None
No surprises, ever

Leadership

Our Leadership Team

Experienced leaders. Trusted stewards of your financial journey.

LendingPoint is led by an experienced team of financial services executives with decades of combined experience in lending, technology, and consumer finance.

Press

In the News

See what the press is saying about LendingPoint.

BusinessWire  ·  November 2025

LendingPoint raises strategic capital for 2026 growth

LendingPoint announced a strategic capital raise designed to accelerate growth and expand access to personal loans for consumers across the U.S. in 2026 and beyond.

Read article

Yahoo Finance  ·  August 2025

LendingPoint expands access to credit with new investor programs

LendingPoint launched new loan flow programs aimed at broadening access to credit for underserved consumers and deepening partnerships with institutional investors.

Read article

View all press

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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. Higher loan amounts may be available through select partners. 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 interest rates depend on credit history, income, and other factors). The total amount due under the loan terms is $16,345.12, and the loan disbursement amount is $10,000. The total amount due represents the full amount you will pay over the life of the loan if all payments are made as scheduled. In this example, the amount financed is $10,000, and the finance charge is $6,345.12, which includes a 10% origination fee. Customers may have the option to deduct the origination fee from the loan proceeds. If this option is selected, the amount disbursed will be less than the amount requested. For example, for a $10,000 loan with a 10% origination fee ($1,000), the amount disbursed would be $9,000.

* 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