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.

3.7
(20 Ratings)

Apply For LendingPoint

Advertiser Disclosure

How to apply

Requirements

Throughout the process of applying for a loan from Lending Point, you need to provide several documents to corroborate the information you provide. These documents might include statements from financial institutions, paystubs, driving permits, and/or proof of employment.

Application Details

Based on your credit score and other information, LendingPoint will determine the right kind of loan for you. There will be a few options to choose from, with differing personal loan rates. Once you make your pick, you might be requested to supply more information in the form of auxiliary documents mentioned above. After the company receives and reviews the additional data, the final loan agreement will be presented to you.

With your approval finalized and the agreement signed, the entire loan amount will be transferred to your bank account. Usually, it doesn't take more than one business day for the transaction to go through.

How to Apply for a Loan

A LendingPoint loan is easy to apply for. There are various ways of applying for it, including by phone or via the web. If you'll end up choosing the former, you'll be guided through the process by one of the Loan Officers. They're always available to take your call and answer your questions.

If you choose the latter, you'll have to apply for a LendingPoint personal loan with no outside help.

The first step of applying on your own is completing the application. It's a simple form that doesn't require you to provide any information that can be considered out of the ordinary. Then, you'll be asked to elect loan terms that suit your needs, state the amount you need to borrow, and more. Being pre-approved entails a soft credit check that will not affect your credit score or report.

Once that is over with, you will receive the final loan offer. After reviewing the loan terms and considering any changes to the original plan, you're expected to sign the final loan agreement. The funds will be made available within 24 hours, so all you need to do is wait for the money to be transferred to your bank account.

FAQ

What credit score do you need for Lending Point?

LendingPoint necessitates a minimum credit score of 580. Additional requirements include a minimum yearly revenue of $20,000.

How many LendingPoint loans can you have?

Under certain conditions, you may have up to two personal loans at a time. It's only possible if get in touch with their customer service.

How long does LendingPoint take to approve?

The approval process for a LendingPoint personal loan is typically completed instantly. Sometimes, it might take from several hours to one business day.

Financial products
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.

3.66
(20 Ratings)
Recommended FinScore™
0
300
650
1000
2000.00 – 36500.00 $
Rate
i

Effective interest rate on the product

7.99 – 35.99 %
Term
i

Loan term for the financial product

24 months – 72 months
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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
100.00 – 20000.00 $
Rate
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Effective interest rate on the product

from 0.05 %
Term
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Loan term for the financial product

5 days – 3 months
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
100.00 – 4000.00 $
Finanso
Personal Loans
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
2000.00 – 100000.00 $
Rate
i

Effective interest rate on the product

6.34 – 35.89 %
Term
i

Loan term for the financial product

2 months – 72 months
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.

4.25
(20 Ratings)
Recommended FinScore™
0
300
650
1000
to 1500.00 $
Rate
i

Effective interest rate on the product

to 160.00 %
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All LendingPoint’s reviews by may 2024
Leave feedback
4
Advantages
I was concerned about my ability to make an upcoming payment, and the service representative informed me about assistance programs designed to support individuals in times of financial stress.
Complain
4.2
Advantages
I was extremely pleased with the level of customer service I received. Regardless of my needs or the representative I interacted with, I consistently received respectful and courteous treatment.
Complain
4.4
Advantages
I faced an incredibly tough financial situation, and the LendingPoint team provided me with a solution that offers short-term relief without pushing me deeper into debt.
Complain
2.4
Disadvantages
This company is absolutely terrible, and their customer service department is the worst. It seems like no one ever answers the phone, which makes me wonder if they even have live agents! I've wasted so much time emailing and calling, spending hours on hold with their automated system that just plays music, and I've never gotten a response. Using this company was a regrettable choice, and I wish I had gone with another option.
Complain
1.8
Disadvantages
I've been struggling to make my payment, and it's been incredibly frustrating. No one answers the phone, and the website is useless since I can't log into my account. This situation is becoming increasingly unreasonable, and I hope it doesn't affect my ability to make on-time payments.
Complain
4.8
Advantages
Throughout the entire process, they kept me well-informed. The customer service was truly outstanding!
Complain
4.2
Advantages
The LendingPointrepresentative who assisted me today provided a clear and concise explanation of my loan refinancing qualifications. He was exceptionally pleasant and effectively communicated the details of my situation, which I truly appreciated.
Complain
4.6
Advantages
This is the best lending service I've ever used. The money was in my bank account the very next day, and they are there to assist you when you need it the most. I recommend this company to anyone in need of financial assistance.
Complain
4.4
Advantages
I'm delighted with the friendly service and the representative's ease of collaboration. I'm genuinely grateful that they were willing to extend a helping hand when I needed it.
Complain
4.4
Advantages
LendingPoint has come to my rescue on multiple occasions. Their willingness to collaborate during tough times and their understanding when you communicate your situation is truly commendable. I can't express my gratitude enough – I'm incredibly thankful for their assistance.
Complain
Overall company rating
3.7
/ 5
20 reviews
Execution of an application
3.6
Support service
3.4
Mobile app
4.0
Service quality
3.8
Your satisfaction level
3.5
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