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in Personal Loans

SuperMoney Net Recommendation Score +34% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly recommended

34 users recommend
3 users are unsure
16 users don't recommend
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Where does LendingPoint do business?

LendingPoint is a direct lender based in Kennesaw, GA. Founded in 2014, LendingPoint offers access to personal loans in 4 states across the USA.

What are the APRs offered via LendingPoint?

LendingPoint has a variable APR that ranges from 15.49% up to 34.99%.

Does LendingPoint charge an origination fee?

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

Does LendingPoint charge a late fee?

Yes, LendingPoint may charge borrowers a late payment fee

Does LendingPoint charge prepayment fees?

No, LendingPoint does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow via LendingPoint?

Loan amounts start at $2,000 and go up to $25,000.

What is the maximum loan term you can get with LendingPoint?

LendingPoint offers personal loans with a maximum term of 48 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with LendingPoint?

Applicants with a credit score of at least 590 can apply for a loan via LendingPoint . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify for a LendingPoint loan, applicants need a minimum annual income of $20,000 or higher. LendingPoint will also consider borrowers who are unemployed as long as they have an annual income of $20,000 or higher.

Active duty servicemembers and their covered dependents are eligible to apply for a loan via LendingPoint. Their rates fall within the limits of The Military Lending Act.Only U.S. citizens and permanent residents can apply for a loan.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Applicants must have an active and valid checking account
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Proof of income

    Does LendingPoint report loan payments to credit bureaus?

    LendingPoint may report credit data to the following credit reporting agencies:

    • Experian
    • Transunion

    LENDINGPOINT 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: 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...


Other Services by LendingPoint


Available in 4 states
  • Georgia
  • Minnesota
  • New Mexico
  • Utah

Feature Breakdown

No Prepayment Fee
Origination Fee
0% - 6%
Minimum Age
Credit Score Range
590 - 720
850 300 590 720
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income
Bank Account Required?
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Only Individual Applications
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount
$2K - $25K
$100 $100K+
Loan Term (Months)
Up to
15.49% - 34.99%
4% 100%+


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