No pressure, no guessing—LendingPoint lets you check your rate without hurting your credit.
You could get up to $36,500 in your account as early as the next day.
About LendingPoint:
LendingPoint is a digital lending platform that helps everyday people get access to fast, fair personal loans. They partner with banks like FinWise Bank and Coastal Community Bank to originate loans across the U.S.
In addition to personal loans, LendingPoint offers point-of-sale financing and business solutions, always focused on making credit more accessible to more people.
Main characteristics of LendingPoint Personal Loan
- Loan amounts from $1,000 to $36,500
- APRs between 7.99% and 35.99%
- Repayment terms from 24 to 72 months
- Origination fee up to 10% (may vary by state)
- Prequalification with no credit impact
Disadvantages
- Origination fees may reduce your funded amount
- Not available in all states across the U.S.
Here is advice for you
LendingPoint stands out for offering access to credit where other lenders say no. If you’ve been turned down elsewhere or are working on building your credit, this could be the solution that gives you a fresh start—quickly.
The online process is refreshingly transparent, with clear terms and no penalties for paying off early. LendingPoint helps you borrow confidently and repay responsibly, on your own terms.
Requirements to apply for this loan
- Must be at least 18 years old
- U.S. resident with a valid SSN
- Verifiable personal bank account
- Proof of income and employment
- Must meet LendingPoint’s underwriting criteria
How to apply for the loan
- Go to the LendingPoint website
- Click “Check Your Rate” to prequalify
- Fill in your personal and financial details
- Review personalized loan offers
- Submit documents and verify your info
- Accept the offer and receive funds
Apply for your Loan
The LendingPoint Personal Loan brings together speed, flexibility, and personalization—giving you more control over your finances, without the stress.
Click below to check your options and see how LendingPoint can help you reach your goals.