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Rating by Finanso®

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 account


How to Register an Account on LendingPoint

Creating an account on the official website is very simple. First, you need to determine the email address you want to use. Once that's done, you need to come up with a strong password. After that, just click the "Create My Account" button. From that point forward, you'll be required to fill out the necessary information.

Once everything's done, LendingPoint will send you an email with a link to confirm your online account.

How to Reset a Password on the Website

In case you want to reset your password, you will need to enter the email address you used when creating your account. LendingPoint LLC will prompt you to use the link from the confirmation email in order to reset your password. You will be asked to enter personal data before you're allowed to reset the password. It should be noted that you can also contact their hotline to request a password reset if you are no longer able to log in to your email account.

The process of changing the password is obviously simpler than resetting the security code. If you need help to change the password, refer to the LendingPoint site to get your password change instructions.

How to Delete an Account on the Website

When you choose to delete an account, you will need to ring up LendingPoint's customer service number. This company will then handle all your requests in a friendly manner. Once that's done, LendingPoint will delete all the information you provided from its records.

If you prefer not to make a phone call, you can always send in an email to request account deletion.


How to create an account on Lending Point?

You need to fill in the email address you want to use when creating an account on the official website. Then, you will be asked to make a password and agree to the terms and conditions. After that, the website will prompt you to fill out the necessary information.

How to delete an account from Lending Point?

In order to delete your personal account, you need to reach the LendingPoint customer service team by phone at 888-596-3157. They are available 24/7 and are more than happy to assist you.

Financial products

Personal loan
Rating by Finanso®

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™

Effective interest rate on the product

up to 35.99%

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

Enter the desired loan amount

2000 $
36500 $
Loan term

Specify the loan term for the calculation


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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All LendingPoint’s reviews by October 2022
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