Lending Point



 Through proprietary technology and algorithms, we’re driving a better lending and borrowing experience by finding more reasons to say “yes.”

LendingPoint is a provider of unsecured personal loans for consumers serving FICO(r) scores up to 850. 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.


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.

Will checking my offers affect my credit score?

– No. When a customer submits an application to see what payment options may be available, LendingPoint does what is known as a “soft pull” of their credit history. This is not reported to credit bureaus and does not affect their credit score.

If I decide to take a financing offer, will that affect my score?

– Any time that you enter into an agreement for credit, there will be an effect on your score. The effect varies by individual but it’s often quickly mitigated by on-time payments. LendingPoint will NEVER perform a hard pull without getting the applicant’s explicit permission to do so.

What credit scores do you approve?

– LendingPoint takes into account more than fifty factors about an applicant’s credit history and their credit score is just one of them. Customers shouldn’t let their score keep them from checking their options. They might be surprised at how good an offer they qualify for!

What are the eligibility rules for getting financing through LendingPoint?

– An applicant must:

  • Be at least 18 years of age.
  • Be able to provide a U.S. federal, state, or local government-issued photo ID.
  • Have a Social Security number.



Will other outstanding loans affect whether I get approved?

– An applicant’s full credit picture is taken into account when evaluating an application for financing through LendingPoint. This includes existing loans but, as with an applicant’s credit score, is just one of more than fifty factors LendingPoint considers.

What is the monthly payment?

 – The monthly payment will be determined by the amount borrowed, the amount of time allotted to pay it back and, the APR. All terms are disclosed before the customer commits to financing.

 Is there a down payment? 

 – LendingPoint does not require a down payment, however, a customer may choose to make a down payment.

Does the customer have to be the borrower?

– The borrower and customer do not have to be the same person. Customers can have a friend/family member apply on their behalf.

Can I have a co-signer? 

 – LendingPoint does not accept joint or co-signed applications however, the borrower and customer do not have to be the same person. Customers can have a friend/family member/spouse apply on their behalf or they can use combined household income.

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