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Welcome
As the leading responsible personal loan company in the United States, we’ve been a trusted lender for over two decades.
We offer fixed rates, fixed payments, and personalized services tailored to your needs.
Check Your Options
Finish Application
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Our Services
Personal Loans
Quick and easy personal loans for any purpose
Debt Consolidation
&nhps Quick and easy personal loans for any purpose
Home Improvement Loans
Finance your home renovations and upgrades
Auto Loans
Get behind the wheel with our competitive auto loans
Education Loans
Invest in your future with our education financing options
Small Business Loans
Fuel your business growth with our flexible financing
Personal Loan Options
Discover our range of flexible and fast online personal loans to suit your needs.
Personal Loan
Quick and easy financial solutions with loan amounts tailored to your state's regulations.
Business Loan
Start or expand your business with SBA-guaranteed loans. Use our Lender Match to find the perfect lender for your business needs.
Installment Loans
Get the funds you need now and spread your repayments over time with our flexible installment options.
Title Loans
Access the funds you need while continuing to use your vehicle as collateral.
Line Of Credit
Flexible borrowing option allowing you to draw funds as needed and repay over time.
Payday Loans
Quick access to funds with repayment typically due on your next payday.
Why Choose Us
Join thousands of satisfied business owners who trust us with their financial needs
Quick Decisions
Get approved in as little as 24 hours
Secure Process
Your information is protected with bank-level security
Competitive Rates
We offer some of the most competitive rates in the industry
Easy Qualification
Flexible credit requirements for approval
Dedicated Support
Personal account manager for your business
No Hidden Fees
Transparent pricing with no surprise charges
Ready to Get Started?
Join over 15,000 businesses that have found success with our financing solutions.
$500M+
Total Funding
4.9/5
Customer Rating
How it works
Three simple steps to your loan approval
Step 1: Apply Online
Complete our simple online form. Our specialists will contact you to verify your information and assist you through the process.
Step 2: Get Matched
We'll match you with a lender based on your specific requirements and guide you through the application process.
Step 3: Receive Funds
Upon approval, your funds will be directly deposited into your bank account, ready for your use.
Trusted by Our Customers
21,532 Reviews
21,532 Reviews
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Who is LendingPoint?+LendingPoint is a financial technology platform founded in 2014 that provides unsecured personal loans and financing solutions across the U.S. They use proprietary algorithms to look at your overall financial picture, not just your credit score, to help you find affordable lending options.
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How does LendingPoint keep my personal and bank information safe?+LendingPoint uses industry-leading security procedures and safeguards, including encryption and ongoing risk monitoring, to protect your personal and bank information. For more info, see their terms-of-use page.
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Does applying impact my credit score?+No — LendingPoint uses a soft credit inquiry for your application, which does not affect your credit score or appear on your credit report. If you move forward after the offer, only then is a hard credit pull made.
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What is the eligibility criteria for a LendingPoint loan?+To qualify, you must be at least 18 years old, provide a U.S. government-issued photo ID, have a Social Security number, have a minimum annual income of $35,000, and have a verifiable personal bank account. Loans are not available in Nevada or West Virginia.
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How much can I borrow?+You can borrow from $2,000 up to $36,500, depending on your credit profile, income, debt-to-income ratio, and other factors. The maximum amount is what is determined affordable for you.
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What’s the status of my loan application?+Once approved, you'll receive an email with your account login to check status via LendingPoint's customer portal or app. You can track your application, make payments, and manage your loan online.
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Why was my application declined?+Applications may be declined due to factors like unverified income, insufficient credit history, not meeting eligibility criteria, or not passing LendingPoint’s risk assessment. You can contact LendingPoint for more details or reapply with updated information.
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Important Disclosures
Please read carefully to understand our terms and conditions
1. Loan approval and terms are subject to our standard credit criteria, including credit history, income, and debt evaluation. Loan amounts may be restricted by state-specific regulations. Collateral must meet our criteria. Active duty military personnel, their spouses, or dependents covered by the Military Lending Act may not pledge vehicles as collateral.
2. Remote loan closings are available in select areas. Website authorization by the New York State Department of Financial Services is pending. Until authorized, we cannot accept mortgage loan applications for properties in New York State through this site. If you’re using a screen reader and experiencing issues, please contact us via email for assistance.
Lending Point, LLC and Lending Point Services, Inc. and First Finance Consumer Loan, Inc. – Loans made or arranged pursuant to Department of Business Oversight California Finance Lenders License. NH: Lending Point, LLC – NMLS # 1338749 and First Finance Consumer Loan, Inc. – NMLS # 837953. PA: Lending Point, LLC and Lending Point, Inc. and Lending Point Consumer Loan, Inc. – Licensed by the Pennsylvania Department of Banking and Securities. RI: Lending Point Consumer Loan, Inc., Rhode Island Licensed Lender and Licensed Small Loan Lender.