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GET /apply

<form class="lp-forms" action="/apply" method="GET">
  <input name="utm_source" id="utm_source" value="DotCom_PersonalCheckRateForm" class="uk-hidden" placeholder=" " type="text">
  <div class="lp-form-field">
    <div class="uk-form-controls uk-inline">
      <span class="uk-form-icon uk-icon">$</span>
      <input name="loanAmount" id="loanAmount" class="uk-input" placeholder=" " type="number" min="1" pattern="^[0-9]+" autocomplete="off" required="">
      <label class="uk-form-label">Loan Amount</label>
    </div>
    <div class="lp-error" hidden="">
      <p>This is required</p>
    </div>
  </div>
  <div class="lp-form-field">
    <div class="uk-form-controls uk-form-custom" uk-form-custom="target: button span">
      <select name="loanPurpose" id="loanPurpose" required="">
        <option value="" disabled="" selected="">Select…</option>
        <option value="Unexpected Urgent Expense">Unexpected Urgent Expense</option>
        <option value="Debt Consolidation/Pay Off Credit Cards">Debt Consolidation / Pay Off Credit Cards</option>
        <option value="Medical/Dental">Medical / Dental</option>
        <option value="Home Improvement">Home Improvement</option>
        <option value="Travel">Travel</option>
        <option value="Taxes">Taxes</option>
        <option value="Wedding">Wedding</option>
        <option value="Personal Financial Reasons">Personal Financial Reasons</option>
      </select>
      <button class="uk-button uk-button-select" type="submit" tabindex="-1">
        <span>Select…</span>
      </button>
      <label class="uk-form-label">Loan Purpose</label>
    </div>
    <div class="lp-error" hidden="">
      <p>This is required</p>
    </div>
  </div>
  <div class="lp-form-field">
    <button class="uk-button uk-button-primary uk-button-large uk-width-1-1" type="submit"> Check Your Rate </button>
  </div>
  <div class="uk-text-center lp-form-disclaimer">
    <small class="uk-text-small">Does not impact your credit score*</small>
  </div>
</form>

Text Content

 * Loans
   * Debt Consolidation Loans
   * Home Improvement Loans
   * Emergency Loans
   * Medical Loans
   * Online Loans
   * Vacation Loans
 * 
 * Apply
 * Login
 * 
 * Knowledge Center


 * Loans
    * Personal Loans
    * Debt Consolidation Loans
    * Emergency Loans
    * Home Improvement Loans
    * Medical Loans
    * Online Loans
    * Vacation Loans

 * Knowledge Center
 * Login
 * Apply


 * 


UNLOCK THE POSSIBILITIES

Personal Loans From $1,000 – $36,500*
$ Loan Amount

This is required

Select… Unexpected Urgent Expense Debt Consolidation / Pay Off Credit Cards
Medical / Dental Home Improvement Travel Taxes Wedding Personal Financial
Reasons Select… Loan Purpose

This is required

Check Your Rate
Does not impact your credit score*


MONEY MADE EASY ™


CHECK YOUR OPTIONS

Get started with a simple application to see your payment options with no impact
to your credit score.


FINISH APPLICATION

Select the best loan terms and monthly payment for you and provide some
additional information to complete your application.


RECEIVE FUNDS

If approved, the funds could be in your account as soon as the next business
day.


SEE WHAT THOUSANDS OF OUR CUSTOMERS ARE SAYING




MANAGE YOUR FINANCES ON THE GO

 * Apply for a personal loan
 * Easy to use and navigate
 * Monitor your credit score

DOWNLOAD THE APP





TECHNOLOGY THAT SEES YOUR POTENTIAL

LendingPoint believes you are so much more than numbers on papers or filled-in
form fields. That’s why we’ve spent years perfecting a proprietary smart
technology that, in seconds, can paint a more complete picture of you. A picture
that unlocks your perfect loan solution and all the possibilities that come with
it.


IMAGINE THE POSSIBILITIES


 * HOW TO PAY OFF YOUR PERSONAL LOAN SOONER: 3 EXPERT TIPS TO SAVE ON INTEREST


 * HOW TO VACATION WITHOUT BREAKING THE BANK


 * SHOULD I PAY OFF DEBT OR SAVE?


 * CAN I USE A PERSONAL LOAN FOR THIS? 6 SITUATIONS YOU MAY BE CONSIDERING


 * 4 TIPS TO HELP IMPROVE YOUR CREDIT SCORE


 * HOW CAN A PERSONAL LOAN AFFECT YOUR CREDIT SCORE?


 * THINGS TO KNOW BEFORE YOU APPLY FOR A PERSONAL LOAN


 * HOW TO HANDLE AN UNEXPECTED EXPENSE

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 * 
 * 
 * 
 * 
 * 
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UNLOCK THE POSSIBILITIES WITH A PERSONAL LOAN THROUGH LENDINGPOINT

Personal loans from $1,000 to $36,500 with flexible financing options and rates
ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months.

Apply Now


FREQUENTLY ASKED QUESTIONS

Who is LendingPoint?
LendingPoint is a provider of unsecured personal loans for consumers serving
FICO® scores up to 850. Through proprietary technology and algorithms, we’re
driving a better lending and borrowing experience by finding more reasons to say
“yes.” After serving hundreds of thousands of consumers, we’ve expanded into
small business, and merchant point-of-sale lending solutions to further unlock
access to affordable loans.
How does LendingPoint keep my personal and bank information safe?
LendingPoint takes extensive precautions to protect your personal information.
We use robust industry-leading procedures and safeguards, including encryption,
to secure and protect your personal information. Further information regarding
LendingPoint’s security policies and procedures can be found here: Terms of Use
Does applying impact my credit score?
Providing your basic information to view loan options does not impact your
credit score. To determine how much you could qualify for, we conduct a “soft
pull” of your credit. If you select a loan option and continue your application,
we require a “hard inquiry” to verify the information you’ve provided on the
application for final loan approval. This “hard inquiry” will be seen as an
inquiry on your credit report.
What is the eligibility criteria for a LendingPoint loan?
To be eligible for a LendingPoint loan, you must:
 * Be 18 years or older
 * Be able to provide a U.S federal, state, or local government-issued photo ID
 * Have a social security number
 * Have a minimum annual income of $35,000 (from employment, retirement, or some
   other source)
 * Have a verifiable personal banking account in your name
 * Not reside in Nevada or West Virginia

How much can I borrow?
Our personal loans range from $1,000 to $36,500. The loan amount you may be
approved for depends upon your individual credit profile and the information you
provide during the application process. The maximum loan amount offered is based
upon what is believed to be affordable for you. We take several factors into
consideration including your current DTI (debt-to-income ratio) and PTI
(payment-to-income ratio).
What’s the status of my loan application?
If we request additional documentation to complete your application, you’ll be
notified of a decision within one to three business days once the information is
received. You can check the status of your application by calling Customer
Support at (888) 969-0959 (888) 969-0959.
Why was my application declined?
If your application was turned down, you’ll receive an email regarding the
decision, including how to get a statement of specific reasons.
View all FAQs

ABOUT US

 * Our Story
 * Leadership Team
 * Careers
 * News
 * Press Kit

CUSTOMER LOAN SUPPORT

 * FAQs
 * Knowledge Center
 * Email Us
 * (888) 969-0959 (888) 969-0959
 * Check my options
 * Personal Login

CONNECT WITH US


 * Terms of Use
 * Privacy Notice




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USA PATRIOT Act Notice: Important Information About Procedures for Opening a New
Account

To help the government fight the funding of terrorism and money laundering
activities, Federal law requires all financial institutions to obtain, verify,
and record information that identifies each person who opens an account. What
this means for you: When you open an account, we will ask for your name,
address, date of birth, and other information that will allow us to identify
you. We may also ask to see your driver's license or other identifying
documents.

* Applications submitted on this website may be funded by one of several
lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal
Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain
states. Loan approval is not guaranteed. Actual loan offers and loan amounts,
terms, and annual percentage rates ("APR") may vary based upon LendingPoint's
proprietary scoring and underwriting system's review of your credit, financial
condition, other factors, and supporting documents or information you provide.
Origination or other fees up to 10% may apply depending upon your state of
residence. Upon final underwriting approval to fund a loan, said funds are often
sent via ACH the next non-holiday business day. Loans are offered from $1,000 to
$36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72
months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and
Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000
serviced by LendingPoint over a period of 48 months that has an APR of 26.59%
with an origination fee of 10% may have a payment of $340.52 per month. (Actual
terms and rate depend on credit history, income, and other factors.) The total
amount due under the loan terms provided is $16,345.12 and the disbursal amount
is $10,000. In the example provided, the total financed amount is increased to
receive the full requested loan amount after the origination fee is deducted.
The total amount due is the total amount of the loan you will have paid after
you have made all payments as scheduled.

* Applications submitted may be funded by one of several lenders including First
Electronics Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank,
Member FDIC; and LendingPoint, a licensed lender in certain states. Loan
approval is not guaranteed. Minimum loan amounts apply in Georgia, $3,500;
Colorado, $3,001; and Hawaii, $1,500. Upon final underwriting approval to fund a
loan, said funds are often available the next non-holiday business day. Actual
loan offers and loan amounts, terms and annual percentage rates (“APR”) may
vary. Loans are offered from $500 to $10,000 (loan amount maximum based on MCC
codes), at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 48
months. For example, for a well-qualified customer, a $5,000 purchase will have
a 90-day promotional period with no interest, a 3% fee, and $100 monthly
payments. After the promotional period, a remaining balance will be a 24-month
term loan, and $263.72 monthly payments with an overall APR of 26.54%.

**Minimum initial transaction of $1,000 in Alabama, Idaho and Iowa.

1. Alimony, child support, or separate maintenance income need not to be
revealed if you do not wish to have it considered as a basis for repaying this
obligation.

2. The Federal Equal Credit Opportunity Act prohibits creditors from
discriminating against credit applicants on the basis of race, color, religion,
national origin, sex, marital status, age (provided the applicant has the
capacity to enter into a binding contract); because all or part of the
applicant’s income derives from any public assistance program; or because the
applicant has in good faith exercised any right under the Consumer Credit
Protection Act. The federal agency that administers compliance with this law
concerning FinWise Bank is the FDIC Consumer Response Center, 1100 Walnut
Street, Box #11, Kansas City, MO 64106. The federal agency that administers
compliance with this law concerning Coastal Community Bank is the Federal
Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480. The federal
agency that administers compliance with this law for LendingPoint is the Federal
Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Click here to see our current list of state licenses

California residents click here ››

Wisconsin residents click here ››

Ohio residents click here ››

LendingPoint's NMLS #1424139 Visit NMLS Consumer Access

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© 2024 LendingPoint LLC. All rights reserved.