Unlock the possibilities
Personal Loans From
$1,000 – $36,500*
Does not impact your credit score*
Money Made Easy
™
Check Your Options
Get started with a simple application to see your payment options with no impact to your credit score.
Finish Application
Select the best loan terms and monthly payment for you and provide some additional information to complete your application.
Receive Funds
If approved, the funds could be in your account as soon as the next business day.
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Technology that sees your potential
LendingPoint believes you are so much more than numbers on
papers or filled-in form fields. That’s why we’ve spent years
perfecting a proprietary smart technology that, in seconds, can
paint a more complete picture of you. A picture that unlocks
your perfect loan solution and all the possibilities that come
with it.
Imagine the possibilities
Unlock the possibilities with a personal loan through LendingPoint
Personal loans from $1,000 to $36,500 with flexible financing
options and rates ranging from 7.99% to 35.99% APR, with
terms from 24 to 72 months.
Fequently asked questions
Who is LendingPoint?
LendingPoint is a provider of unsecured personal loans for consumers serving FICO® scores up to 850. Through proprietary technology and algorithms, we’re driving a better lending and borrowing experience by finding more reasons to say “yes.” Since 2015, LendingPoint has helped consumers access financing with transparent terms, responsible lending practices, and customer-focused support.
How does LendingPoint keep my personal and bank information safe?
LendingPoint takes extensive precautions to protect your personal information. We use robust industry-leading procedures and safeguards, including encryption, to secure and protect your personal information. Further information regarding LendingPoint’s security policies and procedures can be found here: Terms of Use
Does applying impact my credit score?
Providing your basic information to view loan options does not impact your credit score. To determine how much you could qualify for, we conduct a “soft pull” of your credit. If you select a loan option and continue your application, we require a “hard inquiry” to verify the information you’ve provided on the application for final loan approval. This “hard inquiry” will be seen as an inquiry on your credit report.
What is the eligibility criteria for a LendingPoint loan?
To be eligible for a LendingPoint loan, you must:
- Be 18 years or older
- Be able to provide a U.S federal, state, or local government-issued photo ID
- Have a social security number
- Have a minimum annual income of $35,000 (from employment, retirement, or some other source)
- Have a verifiable personal banking account in your name
- Not reside in Nevada or West Virginia
How much can I borrow?
Our personal loans range from $1,000 to $36,500. The loan amount you may be approved for depends upon your individual credit profile and the information you provide during the application process. The maximum loan amount offered is based upon what is believed to be affordable for you. We take several factors into consideration including your current DTI (debt-to-income ratio) and PTI (payment-to-income ratio).
What’s the status of my loan application?
If we request additional documentation to complete your application, you’ll be notified of a decision within one to three business days once the information is received.
Why was my application declined?
if your application was turned down, you’ll receive an email regarding the decision, including how to get a statement of specific reasons.
Do you have more questions?
The easiest way to see your exact options, rates, and terms is to submit a free, no-obligation request. It only takes two minutes to see what you qualify for.