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Last Updated: 04/18/2025

LendingPoint Auto Loans

in Auto Loans from LendingPoint LLC

Last Updated: 04/18/2025

LendingPoint Auto Loans logo
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Highlights

Amount Range

$2,000 - $25,000
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APR (Fixed APR)

9.99% - 35.99%(Verified 06/21/2024)
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Credit Score Range

590 - 720
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Loan Term (Months)

24 - 48
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LendingPoint Auto Loans Review

LendingPoint Auto Loans is offered by LendingPoint LLC, a direct lender founded in 2014 and based in Kennesaw, GA. Lending point are available in 40 states and Washington, DC.

Lending point FAQ

How much can you borrow via Lending point?

Lending point loan amounts start at $2,000 and go up to $25,000.

What APR does Lending point offer on its car loans?

Lending point offers a fixed apr car loan product that ranges from 9.99% APR up to 35.99% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with Lending point?

Lending point has car loans with terms ranging from 24 to 48 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does Lending point charge an origination fee?

Yes, Lending point may charge a loan origination fee of 0% to 6% of the auto loan amount . Lending point deducts the fee directly from your auto loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow.

Does Lending point charge a late fee?

Yes, Lending point charges borrowers with a late payment penatly fee

Does Lending point charge prepayment fees?

No, Lending point will not charge you a fee for paying your loan early. Whenever possible choose lenders like Lending point that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Lending point loan?

Yes, you can. Lending point does not charge a prepayment fee, so you can save money by paying your car loan early.

What do you need to qualify for LendingPoint Auto Loans?

Applicants with a credit score of at least 590 and up to 720 may be eligible for LendingPoint Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
LendingPoint Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by LendingPoint Auto Loans.
To qualify, applicants may need to provide the following documentation:
  • Applicants must have an active and valid personal checking account
  • Recent pay stubs
  • Proof of income
  • Driver's license or other government photo ID
  • Proof of citizenship or residence permit

What is the estimated funding time for a car loan via Lending point?

Lending point will typically fund the car loan within 7 business days of approval.

Does LendingPoint Auto Loans report your account activity to credit bureaus?

Yes, LendingPoint Auto Loans reports to the following credit bureaus:
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does LendingPoint LLC perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.
Lending point allows you to check your rates with a soft credit pull.

Is LendingPoint LLC a legit company?

LendingPoint LLC was founded in 2014, it is a well-established company that has been in business for 12 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

LendingPoint Auto Loans Disclosure: Loan approval is not guaranteed. Actual loans 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 from 0% to 5% may apply depending upon your state of residence. Upon LendingPoint’s final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. LendingPoint makes loan offers from $3,500 to $20,000, at rates ranging from a low of 15.49% APR to a high of 34.99% APR, with terms from 24 to 48 months.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

LendingPoint Auto Loans logo

Message from Lending point

Get started with a simple application to see your payment options with no impact to your credit score. Select the best loan terms and monthly payment for you and provide some additional information to complete your application. Once approved, the funds could be in your account as soon as the next business day.

Contact

Headquarters

1201 Roberts Blvd #200
Kennesaw, GA 30144
(888) 969-0959
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Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed

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