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Lender
Rating by Finanso®
i

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's app

Finanso.Multilogin™

Like many personal loan lenders, LendingPoint has developed a mobile application that offers all the same services that you would normally get when dealing with their web portal. The app is available on both Android and iOS and there are no major differences between the two.

Their app allows existing and future borrowers to apply for a personal loan instantly, check their loan balance, undergo a soft credit check that won't impair the credit score, manage accounts, and receive discounts.

LendingPoint on Google Play

Download app

LendingPoint on App Store

Download app

Among the common positive features of the app, borrowers note the following:

  • Easy to use intuitive design;

  • Easy to qualify for a desired loan;

  • Same level of protection as the secure website;

  • Top-shelf customer support team;

  • Comprehensive information regarding loan terms;

  • No prepayment fees;

  • Same business day approvals.

The Android version of the app can be downloaded by accessing the Google Play store. The iOS version of the app can similarly be downloaded by visiting the App Store.

You will be prompted to enter your login information right away, so it's very easy to log in on the official LendingPoint app.

FAQ

Does LendingPoint have an app?

Yes, the company has an official app. It's available on both Android and iOS and it's easy to download and use.

How to delete the Lending Point app?

The LendingPoint official app can be deleted in very much the same way that any other app is deleted.

Financial products

LendingPoint
Personal loan
Rating by Finanso®
i

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
Rate
i

Effective interest rate on the product

up to 35.99%
Term
i

Loan term for the financial product

24-60 months

Calculate loan payments in LendingPoint

LendingPoint calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount
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Enter the desired loan amount

USD
USD
2000 $
36500 $
Loan term
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Specify the loan term for the calculation

months
days
24
60

What to focus on before applying for a loan with LendingPoint

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between LendingPoint and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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