Looking for fast approval and flexible options? LendingPoint lets you check your rate with no pressure.
Borrow up to $36,500 and get funded as soon as the next business day.
About LendingPoint:
LendingPoint is a licensed lender working with partner banks like FinWise Bank and Coastal Community Bank to provide flexible personal loans across the U.S. They’re known for combining fintech innovation with personalized service.
In addition to personal loans, LendingPoint offers point-of-sale financing and business lending solutions, aiming to empower consumers with better access to credit regardless of their credit score.
Main characteristics of LendingPoint Personal Loan
- Loan amounts from $1,000 to $36,500
- APRs between 7.99% and 35.99%
- Repayment terms from 24 to 72 months
- Origination fee up to 10%, depending on your state
- Funds transferred via ACH as soon as the next day
Disadvantages
- Origination fees may apply up to 10%
- Not available in all U.S. states
Here is advice for you
If you want a loan that doesn’t require perfect credit, LendingPoint is a smart option. Their proprietary underwriting process considers more than just your score—like your income and financial history—giving you a fair shot at approval.
It’s also a great fit if you value speed and transparency. From the no-risk prequalification to next-day funding, LendingPoint is clearly focused on making personal loans accessible and stress-free.
Requirements to apply for this loan
- Be at least 18 years old
- Have a valid Social Security number
- Provide a verifiable personal bank account
- Proof of income and U.S. address
- Must meet LendingPoint’s credit and underwriting criteria
How to apply for the loan
- Go to the LendingPoint website
- Click on “Check Your Rate”
- Fill in your loan purpose and personal details
- Review your personalized loan offers
- Upload necessary documents if prompted
- Choose your offer and e-sign your agreement
- Receive funds via ACH as early as the next day
Apply for your Loan
The LendingPoint Personal Loan adapts to you—with flexible terms, fast delivery, and a smart approach to approval.
Click below and start your application in just minutes. You could be funded by tomorrow!