Terms & Conditions

Effective Date:  July 18, 2026 | Last Updated: July 12, 2026

These Terms & Conditions (“Terms”) govern your access to and use of the www.lendingpoint.loan  Site, operated by LendingPoint Loan Company. By accessing or using the Site, submitting an inquiry, or completing our loan-options form, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Eligibility

To use the Site or submit a loan inquiry, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have a valid, active checking account
• Have a regular source of income
• Provide accurate, current, and complete information

We reserve the right to refuse service to anyone who does not meet these requirements or who we reasonably believe has provided false or misleading information.

2. Description of Services

LendingPoint Loan provides an online platform that allows consumers to submit loan inquiries which are matched with independent third-party lending partners. We do not guarantee that submitting an inquiry will result in a loan offer, and completion of our form does not guarantee approval.

3. Loan Program Information

• Loan Amounts: $2,000–$10,000
• Repayment Terms: 12–60 Months
• APR Range: 5.99%–35.99%

Actual loan amount, APR, repayment term, and fees offered to you will depend on the lender, your creditworthiness, state of residence, and other eligibility factors, and may differ from the ranges above. Please review your specific loan offer and disclosures carefully before accepting any loan.

4. Credit Checks and Application Process

By submitting the form, you authorize us and/or our lending partners to obtain information about you from consumer reporting agencies. Checking your loan options may involve a “soft” credit inquiry that does not affect your credit score. If you proceed with a formal application with a specific lender, that lender may perform a “hard” credit inquiry, which can affect your credit score. Credit-check practices vary by lender.

5. Fees

Any origination fee, late payment fee, non-sufficient funds (NSF) fee, or other charges applicable to your loan will be disclosed by the lender before you accept a loan offer. 

6. User Obligations

You agree to:

• Provide truthful, accurate, and complete information
• Use the Site only for lawful, personal, non-commercial purposes
• Not misrepresent your identity or impersonate any person or entity
• Not attempt to interfere with the security or proper functioning of the Site

7. Prohibited Uses

You may not use the Site to:

• Violate any applicable local, state, national, or international law
• Submit fraudulent, false, or misleading loan applications
• Attempt to gain unauthorized access to our systems or another user’s information
• Transmit any virus, malware, or harmful code
• Scrape, harvest, or collect data from the Site without our written consent

8. Third-Party Lenders and Links

The Site may connect you with, or link to, independent third-party lenders and other websites. We do not control and are not responsible for the content, terms, privacy practices, loan terms, or actions of these third parties. Any agreement you enter into with a lender is solely between you and that lender, and is governed by that lender’s own terms and disclosures.

9. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of LendingPoint Loan or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our prior written consent.

10. Disclaimer of Warranties

The Site and its content are provided “as is” and “as available” without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure, or that any loan offer will meet your expectations.

11. Limitation of Liability

To the fullest extent permitted by law, LendingPoint Loan shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your use of the Site or any loan offer, application, or agreement with a third-party lender.

12. Indemnification

You agree to indemnify and hold harmless LendingPoint Loan, its officers, employees, and partners from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

13. Electronic Communications Consent

By using the Site, you consent to receive electronic communications from us, including disclosures, notices, and agreements. You agree that any electronic communication satisfies any legal requirement that such communications be in writing, consistent with the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act).

14. State Availability

Loans are not available in every state. Availability depends on state law and the lending partners operating in your state of residence. 

15. Termination

We reserve the right to suspend or terminate your access to the Site at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, third parties, or our business interests.

16. Governing Law

These Terms are governed by the laws, without regard to its conflict of law principles, unless otherwise required by applicable federal or state consumer protection law.

17. Changes to These Terms

We may revise these Terms at any time. The “Last Updated” date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

29. Contact Us

LendingPoint Loan

218B W VIRGINIA DR

CLINTON, MS 39056

Email: Support@Lendingpoint.com
Phone: +1 (888) 6571 432