LendingPoint was founded in September 2014 and introduced its personal loans product to the market in December 2014. LendingPoint’s goal is to provide fair rate to fair credit consumers through unique data modeling. They are a consumer finance company focusing on an overlooked customer base underserved by traditional lenders.  LendingPoint’s customer base is typically in the 600-699 FICO score range. ​

Lending point can unlock access to loans up to $25,000 by focusing on your financial potential rather than your financial past. They give you options, so you can find a monthly payment plan that will work within your budget.


Fair credit consumers can access affordable personal loans up to $25,000 with better rates and flexible terms. Apply and choose your personal loan offer in minutes; secure, encrypted process for providing required documentation. Once your supporting information and documents are received, funds can be deposited the next business day.


A credit score is a snapshot of a specific moment in your credit story. They look beyond your credit score to see your complete credit story. During the application process, They will  consider a number of factors to determine your creditworthiness.


There are no application fees or commitments, and it does not impact your credit score.



What You Will Need
Proof of employment income, Most recent bank statement (all pages) and a voided check, Current driver's license or government/state ID


Receive Your Funds
Decision in minutes with fast funding: Their free online application provides multiple finance options for you to choose from. Best yet, you can receive money in your account as soon as the next business day.


Lending Point Review

Overview

Who is Lending Point?

Access to money at fair rates through a personal loan can be the difference between moving forward in life or putting an important project on hold. At LendingPoint, we’re in the business of making fair credit fair again by understanding your credit story today and helping you grow financially stronger tomorrow.

What Do They Offer?