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Lending Point .com Personal Loans

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 more Apply 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 more Apply 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
State Entity Regulatory Agency Name Type of License/Registration and #
AL LendingPoint LLC State of Alabama Banking Department Consumer Credit License # MC 22195
AR LendingPoint LLC Arkansas State Board of Collection Agencies Collection Agency
AZ LendingPoint LLC Department of Financial Institutions License # CL-0936385
AZ LendingPoint LLC Arizona Department of Financial Institutions Collection Agency License
CA LendingPoint LLC California Department of Business Oversight California Finance Lender License # 60DBO-463448
CO LendingPoint LLC State of Colorado Department of Law Supervised Lender’s License #992509
CO LendingPoint SPE, LLC State of Colorado Department of Law Supervised Lender’s License #992646
CT LendingPoint LLC Connecticut Department of Banking Small Loan License #SLC-1424139
CT LendingPoint SPE 2, LLC Connecticut Department of Banking Small Loan License #SLC-1667785
CT LendingPoint Funding I 2017-1, LLC Connecticut Department of Banking Small Loan License #SLC-1667781
DC LendingPoint LLC Department of Insurance, Securities and Banking District of Columbia Money Lender License #ML 1424139
DE LendingPoint Funding I 2017-1, LLC Delaware Office of State Bank Commissioner Chapter 22 License Lender License #025647
DE LendingPoint LLC Delaware Office of State Bank Commissioner Chapter 22 License Lender License #021221
DE LendingPoint SPE 2, LLC Delaware Office of State Bank Commissioner Chapter 22 License Lender License #025646
DE LendingPoint SPE, LLC Delaware Office of State Bank Commissioner Chapter 22 License Lender License #021806
GA LendingPoint LLC Georgia Department of Banking & Finance No license Required for loans above $3,000
HA LendingPoint LLC Collection Agency Program DCCA, PVL Licensing Branch Hawaii Collection Agency Exemption
IA LendingPoint LLC Iowa Division of Banking Iowa Master Loan Company Registration #88893468
IA LendingPoint LLC Iowa Division of Banking Nonresident Regulated Loan Company Branch License #1723681
IA LendingPoint LLC Office of the Attorney General of Iowa Collection Agency Registration submitted 6/26/2017
ID LendingPoint LLC Idaho Department of Finance Regulated Lender License # 1424139
ID LendingPoint LLC Idaho Department of Finance Idaho Collection Agency License #CCA-9797
ID LendingPoint SPE, LLC Idaho Department of Finance Regulated Lender License # 1475005
IL LendingPoint Funding I 2017-1, LLC Illinois Department of Financial & Professional Regulation Illinois Consumer Installment Loan License #4330
IL LendingPoint LLC Illinois Department of Financial & Professional Regulation Illinois Consumer Installment Loan License # 4137
IL LendingPoint SPE 2, LLC Illinois Department of Financial & Professional Regulation Illinois Consumer Installment Loan License #4329
IL LendingPoint SPE, LLC Illinois Department of Financial & Professional Regulation Illinois Consumer Installment Loan License # 4187
IN LendingPoint LLC Indiana Department of Financial Institutions Loan License 31422
KY LendingPoint LLC Kentucky Department of Financial Institutions Kentucky Consumer Loan License CL 349419
MD LendingPoint LLC Maryland Department of Labor, Licensing & Regulation 03-Installlment Loan License # 2295
MD LendingPoint LLC Maryland Commissioner of Financial Regulation Maryland Collection Agency License
ME LendingPoint LLC State of Maine, Bureau of Consumer Credit Protection Maine Servicing Registration SVR14309
MI LendingPoint LLC Michigan Department of Financial Institutions Michigan Regulatory Loan Act License # RL 002021
MN LendingPoint LLC State of Minnesota Department of Commerce Minnesota Regulated Loan Company license #RL176
MN LendingPoint LLC State of Minnesota Department of Commerce Collection License # 40538987
MN LendingPoint SPE, LLC State of Minnesota Department of Commerce Minnesota Regulated Loan Company license #RL177
MO LendingPoint LLC Missouri Division of Finance Missouri Small Loan License,
MT LendingPoint LLC Montana Division of Banking & Financial Institutions—Consumer Loan Licensing Montana Consumer Loan Company License, NMLS # 1424139
ND LendingPoint LLC North Dakota Department of Financial Institutions, Consumer Division North Dakota Money Broker License # MB 102930
ND LendingPoint LLC North Dakota Department of Financial Institutions, Consumer Division North Dakota Collection Agency License # CA103186
NH LendingPoint LLC State of NH Banking Department Small Loan Lender License 22167-SM
NJ LendingPoint Funding I 2017-1, LLC New Jersey Department of Banking & Insurance New Jersey Consumer Lender License #1703172 C31
NJ LendingPoint LLC New Jersey Department of Banking & Insurance New Jersey Consumer Lender License #1502039 C31
NJ LendingPoint LLC NJ Division of Revenue Debt Collection Bond Filed
NJ LendingPoint SPE 2, LLC New Jersey Department of Banking & Insurance New Jersey Consumer Lender License #1703171 C31
NJ LendingPoint SPE, LLC New Jersey Department of Banking & Insurance New Jersey Consumer Lender License #1602182 C31
NJ LendingPoint SPE3, LLC New Jersey Department of Banking & Insurance New Jersey Consumer Lender License #1803408 C31
NJ LendingPoint 2018 SPE1, LLC New Jersey Department of Banking & Insurance New Jersey Consumer Lender License #1803402 C31
NM LendingPoint LLC New Mexico Financial Institutional Division No licensed required for loans over $2,500.  15INMSAS 1978
OH LendingPoint LLC Ohio Department of Commerce, Division of Financial Institutions Ohio Mortgage Loan License #SM.501964.000
OK LendingPoint LLC Oklahoma Dept of Consumer Credit Oklahoma Supervisory Lender License SL008333
OR LendingPoint LLC Department of Consumer & Business Services, Division of Finance and Corporate Securities Oregon Consumer Finance Company # 0426-001-C
PA LendingPoint Funding I 2017-1, LLC Pennsylvania Consumer Discount Company License #65346
PA LendingPoint LLC Pennsylvania Consumer Discount Company License #56063
PA LendingPoint SPE 2, LLC Pennsylvania Consumer Discount Company License #65343
PA LendingPoint SPE, LLC Pennsylvania Consumer Discount Company License #56910
RI LendingPoint LLC State of Rhode Island Department of Business Regulation Rhode Island Lender License # 20183590LL
RI LendingPoint LLC State of Rhode Island Department of Business Regulation Rhode Island Broker License # 20183591LB
SC LendingPoint LLC South Carolina Board of Financial Institutions Supervised Lender License # S-8829
SD LendingPoint Funding I 2017-1, LLC South Dakota Department of Labor and Regulation, Division of Banking Money Lending License #MYL.3277
SD LendingPoint LLC South Dakota Department of Labor and Regulation, Division of Banking Money Lending License #MYL.3161
SD LendingPoint SPE 2, LLC South Dakota Department of Labor and Regulation, Division of Banking Money Lending License #MYL.3278
SD LendingPoint SPE, LLC South Dakota Department of Labor and Regulation, Division of Banking Money Lending License #MYL.3177
TN LendingPoint LLC Tennessee Department of Financial Institutions Industrial Loan & Thrift License 0000003780
TX LendingPoint LLC Texas Officer of Consumer Credit Commissioner Regulated Lender License #1500053889-154325
TX LendingPoint SPE, LLC Texas Officer of Consumer Credit Commissioner Regulated Lender License #1600055071-155081
UT LendingPoint LLC State of Utah Department of Financial Institutions Utah Consumer Credit Notification
UT LendingPoint LLC State of Utah Department of Commerce Division of Corporations & Commercial Code Collection Agency Foreign Registration number 9255315-0131
UT LendingPoint SPE, LLC State of Utah Department of Financial Institutions Utah Consumer Credit Notification
WA LendingPoint LLC Washington State Department of Financial Institutions, Division of Consumer Services Consumer Loan Company License NMLS #1424139

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

Lending Point CUSTOMER REVIEWS

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