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Lending Point .com Personal Loans

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FREE COMPACOM FORM

$100 - $1,000 PAYDAY LOANS
$1,000 - $35,000 PERSONAL LOANS

How much would you like to borrow?

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LendingPoint Personal Loans - is a verified licensed lender offering Prsonal Loans up to $25,000 as soon as the next business day. It specializes in customers with fair credit scores (in the 600s) and offers a very convenient and affordable repayment process consisting of easy, automatic, online payments.

Checking an offer will not affect your credit score.

Lending Point Products & Services

MAX Loan Amount

MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

$25,000
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Not stated
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, Unsecured
Terms

Terms

It’s the period of time within which you are to pay off your loan.

Varied
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Not stated
MIN Loan Amount

MIN Loan Amount

It’s the minimum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

2,000
Turnaround time

Turnaround time

The time within which you are to get the money.

up to 2 business days
Find out moreApply online
MAX Loan Amount

MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

$25,000
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Not stated
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, Unsecured
Terms

Terms

It’s the period of time within which you are to pay off your loan.

Varied
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Not stated
MIN Loan Amount

MIN Loan Amount

It’s the minimum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

$2,000
Turnaround Time

Turnaround Time

The time within which you are to get the money.

Up to 2 business days
Find out moreApply online

Why choose Lending Point?

  •  Apply in minutes

Enter basic information and simple documentation online.

  • Get a decision right away

You’ll be provided with an offer and payment options in minutes.

  •  Funds as soon as the next business day

After loan approval and document validation, funds can be sent to your bank account as soon as the next business day.

Get The Credit You Deserve! They look beyond your credit score at your full credit history.

What are Lending Point requirements?

  • You must be at least 18 years of age.
  • You must be able to provide a U.S. federal, state or local government issued photo ID.
  • You must have a social security number.
  • You must have a minimum annual income of $20,000 (from employment, retirement or some other source).
  • You must have a verifiable personal bank account in your name.
  • You must live in one of the states where LendingPoint does business. As of June 2018, we are in 34 states and the District of Columbia, and growing.

What documents are necessary to get approved for a loan?

  1. Proof of employment and income.
  2. Most recent bank statements (all pages) and a voided check.
  3. Current driver's license or government/state issued ID.

How much can you borrow?

Lending Point Personal loans range from $2,000 to $25,000. The loan amount you may be approved for depends upon your individual credit picture and information provided during the application process.

What is the repayment process like?

The term of the loan is stated in the agreement. Most new LendingPoint loans are being written with a 28-day payment schedule. This means the actual due-date for your loan payment will move almost every month. They also offer traditional monthly payments, as well as bi-weekly payments. You can pay off the money by any of the following ways:

  1. AutoPay: Most of customers take advantage of this simple, easy option. Typically set up during the application process, they determine the due date(s) that best suit your budget and cash flow.
  2. Online: Click on Make a Payment or Login to access your account and initiate payment from your bank account provided.
  3. Certified Funds: Such as a money order, cashier’s check or certified check should be made payable to LendingPoint. The address to send your payment is located on your loan agreement and payment reminders sent via email. 

Does applying affect your credit score?

Clicking on “Apply” and filling out your basic information (name, address, date of birth, social security number, annual income) to see what loan offers are provided, does not affect your credit report, as mostly a soft inquiry is performed. Only the lender can see it on your credit report. If and when you do select a loan offer, the company needs to make a “hard inquiry” to verify the information you’ve provided on the application as part of the approval process. This hard inquiry will be shown on your credit report.

Personal Loans

We offer ....

List of state licenses
StateEntityRegulatory Agency NameType of License/Registration and #
ALLendingPoint LLCState of Alabama Banking DepartmentConsumer Credit License # MC 22195
ARLendingPoint LLCArkansas State Board of Collection AgenciesCollection Agency
AZLendingPoint LLCDepartment of Financial InstitutionsLicense # CL-0936385
AZLendingPoint LLCArizona Department of Financial InstitutionsCollection Agency License
CALendingPoint LLCCalifornia Department of Business OversightCalifornia Finance Lender License # 60DBO-463448
COLendingPoint LLCState of Colorado Department of LawSupervised Lender’s License #992509
COLendingPoint SPE, LLCState of Colorado Department of LawSupervised Lender’s License #992646
CTLendingPoint LLCConnecticut Department of BankingSmall Loan License #SLC-1424139
CTLendingPoint SPE 2, LLCConnecticut Department of BankingSmall Loan License #SLC-1667785
CTLendingPoint Funding I 2017-1, LLCConnecticut Department of BankingSmall Loan License #SLC-1667781
DCLendingPoint LLCDepartment of Insurance, Securities and BankingDistrict of Columbia Money Lender License #ML 1424139
DELendingPoint Funding I 2017-1, LLCDelaware Office of State Bank CommissionerChapter 22 License Lender License #025647
DELendingPoint LLCDelaware Office of State Bank CommissionerChapter 22 License Lender License #021221
DELendingPoint SPE 2, LLCDelaware Office of State Bank CommissionerChapter 22 License Lender License #025646
DELendingPoint SPE, LLCDelaware Office of State Bank CommissionerChapter 22 License Lender License #021806
GALendingPoint LLCGeorgia Department of Banking & FinanceNo license Required for loans above $3,000
HALendingPoint LLCCollection Agency Program DCCA, PVL Licensing BranchHawaii Collection Agency Exemption
IALendingPoint LLCIowa Division of BankingIowa Master Loan Company Registration #88893468
IALendingPoint LLCIowa Division of BankingNonresident Regulated Loan Company Branch License #1723681
IALendingPoint LLCOffice of the Attorney General of IowaCollection Agency Registration submitted 6/26/2017
IDLendingPoint LLCIdaho Department of FinanceRegulated Lender License # 1424139
IDLendingPoint LLCIdaho Department of FinanceIdaho Collection Agency License #CCA-9797
IDLendingPoint SPE, LLCIdaho Department of FinanceRegulated Lender License # 1475005
ILLendingPoint Funding I 2017-1, LLCIllinois Department of Financial & Professional RegulationIllinois Consumer Installment Loan License #4330
ILLendingPoint LLCIllinois Department of Financial & Professional RegulationIllinois Consumer Installment Loan License # 4137
ILLendingPoint SPE 2, LLCIllinois Department of Financial & Professional RegulationIllinois Consumer Installment Loan License #4329
ILLendingPoint SPE, LLCIllinois Department of Financial & Professional RegulationIllinois Consumer Installment Loan License # 4187
INLendingPoint LLCIndiana Department of Financial InstitutionsLoan License 31422
KYLendingPoint LLCKentucky Department of Financial InstitutionsKentucky Consumer Loan License CL 349419
MDLendingPoint LLCMaryland Department of Labor, Licensing & Regulation03-Installlment Loan License # 2295
MDLendingPoint LLCMaryland Commissioner of Financial RegulationMaryland Collection Agency License
MELendingPoint LLCState of Maine, Bureau of Consumer Credit ProtectionMaine Servicing Registration SVR14309
MILendingPoint LLCMichigan Department of Financial InstitutionsMichigan Regulatory Loan Act License # RL 002021
MNLendingPoint LLCState of Minnesota Department of CommerceMinnesota Regulated Loan Company license #RL176
MNLendingPoint LLCState of Minnesota Department of CommerceCollection License # 40538987
MNLendingPoint SPE, LLCState of Minnesota Department of CommerceMinnesota Regulated Loan Company license #RL177
MOLendingPoint LLCMissouri Division of FinanceMissouri Small Loan License,
MTLendingPoint LLCMontana Division of Banking & Financial Institutions—Consumer Loan LicensingMontana Consumer Loan Company License, NMLS # 1424139
NDLendingPoint LLCNorth Dakota Department of Financial Institutions, Consumer DivisionNorth Dakota Money Broker License # MB 102930
NDLendingPoint LLCNorth Dakota Department of Financial Institutions, Consumer DivisionNorth Dakota Collection Agency License # CA103186
NHLendingPoint LLCState of NH Banking DepartmentSmall Loan Lender License 22167-SM
NJLendingPoint Funding I 2017-1, LLCNew Jersey Department of Banking & InsuranceNew Jersey Consumer Lender License #1703172 C31
NJLendingPoint LLCNew Jersey Department of Banking & InsuranceNew Jersey Consumer Lender License #1502039 C31
NJLendingPoint LLCNJ Division of RevenueDebt Collection Bond Filed
NJLendingPoint SPE 2, LLCNew Jersey Department of Banking & InsuranceNew Jersey Consumer Lender License #1703171 C31
NJLendingPoint SPE, LLCNew Jersey Department of Banking & InsuranceNew Jersey Consumer Lender License #1602182 C31
NJLendingPoint SPE3, LLCNew Jersey Department of Banking & InsuranceNew Jersey Consumer Lender License #1803408 C31
NJLendingPoint 2018 SPE1, LLCNew Jersey Department of Banking & InsuranceNew Jersey Consumer Lender License #1803402 C31
NMLendingPoint LLCNew Mexico Financial Institutional DivisionNo licensed required for loans over $2,500.  15INMSAS 1978
OHLendingPoint LLCOhio Department of Commerce, Division of Financial InstitutionsOhio Mortgage Loan License #SM.501964.000
OKLendingPoint LLCOklahoma Dept of Consumer CreditOklahoma Supervisory Lender License SL008333
ORLendingPoint LLCDepartment of Consumer & Business Services, Division of Finance and Corporate SecuritiesOregon Consumer Finance Company # 0426-001-C
PALendingPoint Funding I 2017-1, LLCPennsylvaniaConsumer Discount Company License #65346
PALendingPoint LLCPennsylvaniaConsumer Discount Company License #56063
PALendingPoint SPE 2, LLCPennsylvaniaConsumer Discount Company License #65343
PALendingPoint SPE, LLCPennsylvaniaConsumer Discount Company License #56910
RILendingPoint LLCState of Rhode Island Department of Business RegulationRhode Island Lender License # 20183590LL
RILendingPoint LLCState of Rhode Island Department of Business RegulationRhode Island Broker License # 20183591LB
SCLendingPoint LLCSouth Carolina Board of Financial InstitutionsSupervised Lender License # S-8829
SDLendingPoint Funding I 2017-1, LLCSouth Dakota Department of Labor and Regulation, Division of BankingMoney Lending License #MYL.3277
SDLendingPoint LLCSouth Dakota Department of Labor and Regulation, Division of BankingMoney Lending License #MYL.3161
SDLendingPoint SPE 2, LLCSouth Dakota Department of Labor and Regulation, Division of BankingMoney Lending License #MYL.3278
SDLendingPoint SPE, LLCSouth Dakota Department of Labor and Regulation, Division of BankingMoney Lending License #MYL.3177
TNLendingPoint LLCTennessee Department of Financial InstitutionsIndustrial Loan & Thrift License 0000003780
TXLendingPoint LLCTexas Officer of Consumer Credit CommissionerRegulated Lender License #1500053889-154325
TXLendingPoint SPE, LLCTexas Officer of Consumer Credit CommissionerRegulated Lender License #1600055071-155081
UTLendingPoint LLCState of Utah Department of Financial InstitutionsUtah Consumer Credit Notification
UTLendingPoint LLCState of Utah Department of Commerce Division of Corporations & Commercial CodeCollection Agency Foreign Registration number 9255315-0131
UTLendingPoint SPE, LLCState of Utah Department of Financial InstitutionsUtah Consumer Credit Notification
WALendingPoint LLCWashington State Department of Financial Institutions, Division of Consumer ServicesConsumer Loan Company License NMLS #1424139

Loans in other states not listed above are funded by FinWise Bank, a Utah-chartered bank, member FDIC. 

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000

Lending Point CUSTOMER REVIEWS

5 Reviews
NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000

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