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Lender
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

LendingPoint

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About Lender

LendingPoint is a web-based lender that provides personal loans customized for its clients. The loans are mostly offered to people with bad credit or fair credit. Their lending brand is better suited for borrowers who prefer to have more control over their finances, prefer a more flexible payment schedule, and need the loan amount deposited quickly into their bank accounts.

The company was established in 2014 by Juan E. Tavares, Franck Fatras, Victor J. Pacheco, and Tom Burnside. One of the key things that immediately set LendingPoint apart from other competitors is the fact that this company took a science-based approach to unsecured personal loans: they use trademarked algorithms, which, in turn, make the application review process efficient and consistent. In addition to making almost-instant decisions regarding the loan application, LendingPoint also offered genuinely competitive interest rates.

Key Features

LendingPoint is an American lender that offers personal loans to customers who need to borrow money for a variety of purposes. Here are some of the key features of LendingPoint:

  1. Fast Approval: LendingPoint offers a fast and easy application process, and customers can receive loan approval in as little as 24 hours.
  2. Credit Score Flexibility: LendingPoint considers a wide range of factors beyond just credit score when evaluating loan applications, making it possible for customers with less-than-perfect credit to qualify for a loan.
  3. Loan Amounts: LendingPoint offers personal loans with borrowing limits ranging from $2,000 to $36,500, depending on the customer's eligibility and other factors.
  4. Fixed Rates: LendingPoint offers fixed interest rates on its personal loans, which can help customers plan their budgets and ensure they can make their monthly payments on time.
  5. Customized Loan Terms: LendingPoint offers customers customized loan terms based on their financial needs and ability to repay the loan. This can help ensure that customers can repay the loan on time and avoid late fees or other penalties.
  6. No Prepayment Penalty: LendingPoint does not charge prepayment penalties, meaning customers can repay their loan early without incurring additional fees.
  7. Additional Services: In addition to personal loans, LendingPoint also offers other financial services, including credit card refinancing and debt consolidation loans.

    Overall, LendingPoint offers a range of features that can make it a good option for customers who need to borrow money for personal or business expenses. However, customers should carefully consider the terms and costs associated with any loan before agreeing to it and ensure they have the ability to repay the loan in a timely manner.

    Pros and Cons of LendingPoint

    Pros

    • It's a great option for people with bad credit and/or fair credit. Most lenders expect you to have excellent credit, but LendingPoint ensures there are enough options for those less fortunate and are now branded with lower credit scores.
    • There are no prepayment penalties. Even the most negative LendingPoint reviews point out that this company does not charge any fees for prepayments, which saves a lot of money, hassle, and time.
    • The entire loan amount is quickly deposited into your bank account. Even if you are applying for a very large loan, it won't take even a few days for the fund to be sent into your account. You get the money almost the next business day.
    • They have an easy and transparent online application process. Only a soft credit check occurs at the end of the application process. There is no need to mail in any paperwork or make an appointment to meet with a loan officer in person in order to be pre-qualified.
    • Adjustable payment schedule. You are able to select the loan terms that are best for you and your finances. You're given enough flexibility to be able to pay the loan on time.

      Cons

      • They don't allow joint loans. There's no option to get a personal loan with a cosigner or co-borrower. This might limit your options because some people would like to use a cosigner as a way to ensure that the loan will be repaid.
      • The higher end of the APR range is 36%. It might be hard for some people to pay an APR that high. It makes sense to turn to other loan options depending on the APR range offered.
      • There's an origination fee. It can be as high as 6% of the loan amount, but most of the time, it's lower. The mere existence of an origination fee can sway your decision not to apply for the loan. It also necessitates additional calculations.
      • LendingPoint only reports your monthly payments to two out of three major credit bureaus. This is certainly a disadvantage for borrowers who want all three of the bureaus to receive their payment information.

        Products

        LendingPoint is a financial services company that specializes in providing personal loans to customers who need to borrow money for a variety of purposes. Here are some of the key products offered by LendingPoint:

        1. LendingPoint Personal Loans: With a LendingPoint personal loan, you can count on $2,000 to $36,500. The loans can be used for a variety of purposes, including debt consolidation, home improvement, medical expenses, and more. The application process is quick and easy; customers can receive loan approval in as little as 24 hours.
        2. Credit Card Refinancing: LendingPoint also offers credit card refinancing services to help customers consolidate high-interest credit card debt into a single, more manageable loan. This can help customers save money on interest and make their monthly payments more affordable.
        3. Debt Consolidation Loans: In addition to credit card refinancing, LendingPoint offers debt consolidation loans that can be used to consolidate other types of debt, such as medical bills, auto loans, or personal loans. These loans can help customers simplify their finances and make their monthly payments more manageable.
        4. Small Business Loans: LendingPoint also offers small business loans to customers who need to borrow money for business expenses. The loans can be used for a variety of purposes, including working capital, equipment purchases, and more.

          Overall, LendingPoint offers a range of products and services that can help customers with their financial needs. However, customers should carefully consider the terms and costs associated with any loan before agreeing to it and ensure they have the ability to repay the loan in a timely manner.

          LendingPoint

          Reliability

          LendingPoint is a legitimate financial services company that is licensed and regulated by the states in which it operates. The company has been in business since 2014 and has a strong reputation for providing its customers with reliable and transparent financial services.

          LendingPoint has received high ratings from customer review sites such as Trustpilot, where it has a rating of 4.9 out of 5 stars based on over 7,900 customer reviews. Customers have praised the company for its fast and easy application process, flexible loan terms, and excellent customer service.

          LendingPoint is a Better Business Bureau (BBB) accredited business with an A+ rating. The BBB is a nonprofit organization that aims to promote marketplace trust by evaluating and rating businesses based on various factors, including customer complaints, advertising practices, and transparency in business practices.

          Overall, LendingPoint appears to be a reliable and trustworthy financial services company that provides a range of loan products to customers who need to borrow money for personal or business expenses. However, as with any loan product, customers should carefully consider the terms and costs associated with any loan before agreeing to it and ensure they can repay the loan promptly.

          Funding a Loan

          This lender allows borrowers with either bad or fair credit to make a loan request. The company considers your credit history, earnings, bank statements, and other financial data. Regarding key requirements, LendingPoint clarifies that you'll need a minimum monthly salary of $20,00 or more, a minimum credit score of 580 or better, and several other factors already outlined above.

          Conditions of Lending Point

          This company offers fixed-rate personal loans in the range of $2,000—$36,500. The repayment terms usually range from two to five years. LendingPoint offers its services to clients residing in forty-eight states and Washington. The states that LendingPoint does not serve are Nevada and West Virginia. This online lender offers interest rates from 10% to a maximum of 36%. The rate that you will receive depends on your current financial position.

          The personal loans provided by LendingPoint may be used for any type of purpose. They include a personal loan for home improvement, wedding, debt consolidation, and more. In order to gain access to the funds, you will have to have a minimal credit score of 580, in addition to a minimal annual income of $25,000. Further requirements include:

          • 18+ years of age,
          • Verifiable personal bank account,
          • Government-issued photo identification document,
          • Valid Social Security Number.

            It's possible to gain approval even if your credit report indicates prior bankruptcies, overdue, and missed payments. Lending Point does not have the option for co-signer loans at the time of writing, so you will have to turn to other lending options if you fail to qualify.

            If your application gets accepted, you will receive your funds the next business day. That makes LendingPoint one of the best options for borrowers in need of quick cash.

            Out of the major credit bureaus, they report to two of them: Experian and TransUnion. If you need to boost your credit score, LendingPoint might not be your best bet.

            As already alluded to above, this company charges an origination fee. It can be as high as 6% but typically lower. This type of fee is the only charge that might negatively affect your decision to take out the loan.

            LendingPoint does not impose any other fees. This is especially important to take into consideration if you want to pay off the loan as soon as possible.

            However, the firm does not provide any information regarding the charges triggered by late payments or bounced checks. You should study the final proposal carefully and look for hidden fees.

            Additional Service

            In addition to its personal loan products and other financial services, LendingPoint also offers several additional services to its customers. These include:

            1. Free Credit Score Monitoring: LendingPoint provides free credit score monitoring to its customers, which can help them stay on top of their credit and identify potential errors or issues.
            2. Financial Education: LendingPoint provides financial education resources to its customers, including articles, guides, and webinars, to help them improve their financial literacy and make better financial decisions.
            3. Referral Program: LendingPoint offers a referral program that rewards customers who refer others to the company's personal loan products. Customers can earn cash rewards for each successful referral.

              Overall, LendingPoint provides a range of services and resources to help customers manage their finances more effectively and make informed decisions about their borrowing and debt management. These additional services can help customers stay on top of their credit and make better financial decisions in the long run.

              Lending Point vs. Upstart

              LendingPoint and Upstart are both online lenders that offer personal loans to customers who need to borrow money for a variety of purposes. Here are some key differences between the two companies:

              1. Credit Score Requirements: LendingPoint is known for offering loans to customers with lower credit scores, while Upstart generally requires a higher credit score to qualify for a loan. This may make LendingPoint a better option for customers who have less-than-perfect credit.
              2. Loan Amounts: LendingPoint offers personal loans with borrowing limits ranging from $2,000 to $36,500, while Upstart offers loans with borrowing limits ranging from $1,000 to $50,000. This may make Upstart a better option for customers needing to borrow more money.
              3. Loan Terms: LendingPoint offers loan terms ranging from 24 to 60 months, while Upstart offers loan terms ranging from 36 to 72 months. This may make LendingPoint a better option for customers who need a shorter-term loan.
              4. Funding Speed: LendingPoint offers fast loan approval and funding, with some customers receiving their funds in as little as 24 hours. Upstart also offers fast funding, but receiving the funds may take slightly longer.
              5. Eligibility Requirements: LendingPoint requires customers to have a minimum credit score of 580, while Upstart requires a minimum credit score of 600. Additionally, Upstart may require customers to have a higher income and more credit history than LendingPoint.

                Overall, LendingPoint and Upstart offer customers a range of loan products and financial services, but they have different eligibility requirements and loan terms. Customers should carefully consider the terms and costs associated with each loan before making a decision and ensure they have the ability to repay the loan in a timely manner.

                Lending Point vs. Best Egg

                LendingPoint and Best Egg are online lenders that offer personal loans to customers who need to borrow money for various purposes. Here are some key differences between the two companies:

                1. Credit Score Requirements: LendingPoint is known for offering loans to customers with lower credit scores, while Best Egg generally requires a higher credit score to qualify for a loan. This may make LendingPoint a better option for customers who have less-than-perfect credit.
                2. Loan Amounts: LendingPoint offers personal loans with borrowing limits ranging from $2,000 to $36,500, while Best Egg offers loans with borrowing limits ranging from $2,000 to $50,000. This may make Best Egg a better option for customers needing to borrow more money.
                3. Loan Terms: LendingPoint offers loan terms ranging from 24 to 60 months, while Best Egg offers loan terms ranging from 36 to 60 months. This may make LendingPoint a better option for customers who need a shorter-term loan.
                4. Funding Speed: LendingPoint offers fast loan approval and funding, with some customers receiving their funds in as little as 24 hours. Best Egg also offers fast funding, with most customers receiving their funds within 1-3 business days.
                5. Eligibility Requirements: LendingPoint requires customers to have a minimum credit score of 580, while Best Egg requires a minimum credit score of 640. Additionally, Best Egg may require customers to have a higher income and more credit history than LendingPoint.
                6. Fees: LendingPoint charges an origination fee of up to 8%, while Best Egg charges an origination fee of up to 5.99%. However, Best Egg also charges a late payment fee of $15, while LendingPoint does not charge a late payment fee.

                  Overall, LendingPoint and Best Egg offer customers a range of loan products and financial services, but they have different eligibility requirements, loan terms, and fees. Customers should carefully consider the terms and costs associated with each loan before making a decision and ensure they have the ability to repay the loan in a timely manner.

                  Lending Point vs. Avant

                  LendingPoint and Avant are online personal loan lenders offering funds to customers who need to borrow money for various purposes. Here are some key differences between the two companies:

                  1. Credit Score Requirements: LendingPoint is known for offering loans to customers with lower credit scores, while Avant also generally requires a credit score of 550.
                  2. Loan Amounts: LendingPoint offers personal loans with borrowing limits ranging from $2,000 to $36,500, while Avant offers loans with borrowing limits ranging from $2,000 to $35,000. This makes the loan amounts offered by both companies very similar.
                  3. Loan Terms: LendingPoint offers loan terms ranging from 24 to 60 months, while Avant offers loan terms ranging from 24 to 60 months as well. This makes the loan terms offered by both companies similar.
                  4. Funding Speed: LendingPoint offers fast loan approval and funding, with some customers receiving their funds in as little as 24 hours. Avant also offers fast funding, with most customers receiving their funds within 1-2 business days.
                  5. Eligibility Requirements: LendingPoint requires customers to have a minimum credit score of 580, while Avant also requires a minimum credit score of 580. Additionally, Avant may require customers to have a higher income and more credit history than LendingPoint.
                  6. Fees: LendingPoint charges an origination fee of up to 8%, while Avant charges an origination fee of up to 4.75%. Avant also charges a late payment fee of $25, while LendingPoint does not charge a late payment fee.

                    Overall, LendingPoint and Avant offer very similar loan products and services to customers, but there are some differences in credit score requirements, fees, and eligibility requirements. Customers should carefully consider the terms and costs associated with each loan before making a decision and ensure they have the ability to repay the loan in a timely manner.

                    Lending Point vs. Care Credit

                    LendingPoint and CareCredit are both financial services companies that offer loan products to customers, but there are some key differences between the two companies:

                    1. Loan Types: LendingPoint offers personal loans to customers, while CareCredit offers healthcare financing to cover medical expenses such as dental care, veterinary care, and elective medical procedures.
                    2. Eligibility Requirements: LendingPoint requires customers to have a minimum credit score of 580, while CareCredit does not have a minimum credit score requirement. However, CareCredit may require customers to have a higher income and more credit history than LendingPoint.
                    3. Loan Amounts: LendingPoint offers personal loans with borrowing limits ranging from $2,000 to $36,500, while CareCredit offers healthcare financing with borrowing limits up to $25,000. The loan amounts offered by both companies can be used for different purposes.
                    4. Funding Speed: LendingPoint offers fast loan approval and funding, with some customers receiving their funds in as little as 24 hours. CareCredit also offers fast funding, with most customers receiving their funds within a few days.
                    5. Fees: LendingPoint charges an origination fee of up to 6%, while CareCredit charges no interest if the balance is paid in full within a promotional period. Interest may be charged retroactively if the balance is not paid in full within the promotional period.

                      LendingPoint and CareCredit offer customers different loan products and services with different eligibility requirements, loan amounts, and fees. Customers should carefully consider the terms and costs associated with each loan before making a decision and ensure they have the ability to repay the loan in a timely manner.

                      FAQ

                      How Do you Qualify For a Lending Point Loan?

                      To qualify for a LendingPoint loan, you need to meet the following criteria:

                      • Be at least 18 years old.
                      • Provide a government-issued photo ID issued by the U.S. federal, state, or local government.
                      • Have a valid social security number.
                      • Earn a minimum annual income of $35,000 from a verifiable source such as employment, retirement benefits, or other income.
                      • Have a personal bank account in your name that can be verified.

                        How Much Can You Borrow From Lending Point?

                        LendingPoint offers personal loans with borrowing limits ranging from $2,000 to $36,500. The loan amount that a customer is eligible to receive depends on various factors such as creditworthiness, income, and debt-to-income ratio.

                        When applying for a loan from LendingPoint, customers can select the loan amount that they need, up to the maximum borrowing limit of $36,500. LendingPoint will then evaluate the application based on the customer's eligibility criteria and creditworthiness and determine the loan amount and interest rate that the customer qualifies for.

                        It is important to note that borrowing more money than necessary can lead to higher interest charges and longer repayment terms, which can make the loan more expensive over time. Therefore, customers should carefully consider their borrowing needs and ensure that they borrow only what they need and can afford to repay in a timely manner.

                        Does Lending Point Approve Everyone?

                        No, LendingPoint does not approve everyone who applies for a loan. LendingPoint uses a variety of factors to evaluate loan applications, including creditworthiness, income, employment history, and other financial factors. Meeting the minimum eligibility requirements does not guarantee loan approval.

                        Customers with lower credit scores or higher debt-to-income ratios may have a harder time being approved for a loan from LendingPoint. However, LendingPoint may be more willing to work with customers who have less-than-perfect credit or limited credit history, as it specializes in offering loans to customers with lower credit scores.

                        Customers who are not approved for a loan from LendingPoint may be eligible for loans from other lenders or may need to improve their credit score and financial situation before applying for a loan again.

                        Is Lending Point a Legitimate Company?

                        Yes, LendingPoint is a legitimate company that offers personal loans to customers. The company has been in business since 2014 and is headquartered in Kennesaw, Georgia. LendingPoint is licensed to do business in several states across the U.S.

                        LendingPoint is also accredited by the Better Business Bureau (BBB) and has an A+ rating, indicating high customer satisfaction and trust. The company has received positive reviews from customers on various review platforms, with many customers praising its fast loan approval and funding process, customer service, and reasonable interest rates.

                        Overall, LendingPoint is a legitimate and reputable company that offers customers a range of loan products and financial services and has demonstrated a commitment to customer satisfaction and transparency.

                        Is Lending Point a good lender?

                        LendingPoint has generally received positive reviews from customers, indicating that it may be a good lender for many people. Here are some factors to consider when evaluating whether LendingPoint is a good lender for you:

                        1. Loan Products: LendingPoint offers personal loans with borrowing limits ranging from $2,000 to $36,500, which may be useful for customers who need to borrow money for a variety of purposes. The company also offers flexible loan terms and fast funding.
                        2. Credit Requirements: LendingPoint is known for offering loans to customers with lower credit scores, making it a good option for customers who have less-than-perfect credit. However, the company may charge higher interest rates to offset the increased risk of lending to customers with lower credit scores.
                        3. Fees: LendingPoint charges an origination fee of up to 6%, which may be higher than some other lenders. However, the company does not charge prepayment penalties or late payment fees, which may make it more affordable for some customers.
                        4. Customer Service: LendingPoint has received positive reviews from customers regarding its customer service, indicating that the company may be responsive and helpful when customers have questions or concerns.

                        Overall, LendingPoint may be a good lender for customers who need to borrow money and have lower credit scores, as it offers flexible loan products and fast funding. However, customers should carefully consider the costs associated with a loan from LendingPoint, including interest rates and fees, before making a decision.

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                        LendingPoint service available in US States
                        Financial products
                        LendingPoint
                        Personal loan
                        Rating by Finanso®
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                        The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

                        Recommended FinScore™
                        0
                        300
                        650
                        1000
                        $2,000-$36,500
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                        Effective interest rate on the product

                        up to 35.99%
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                        Loan term for the financial product

                        24-60 months
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