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LendingPoint is an online lender that offers personal loans of up to $25,000. LendingPoint has an instant approval process and next-day deposits, making it ideal for customers in need of an emergency loan with a short payment term.


LendingPoint is ideal for customers with credit scores of 585 or higher. It offers instant approvals and next-day deposits. However, the higher interest rates can be a deterrent for some.


  • Flexible terms
  • Instant approval
  • Loans up to $25,000
  • Next-day deposits


  • Higher interest rates
  • Not ideal for low credit scores
  • Shorter payment terms

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    What is LendingPoint?

    LendingPoint provides personal loans and other financing options. Its lending operating system, SDKn, helps individuals and small businesses receive quick access to loan options. LendingPoint partners with more than 3,000 small business and e-commerce companies.

    How does LendingPoint work?

    Customers can apply for a personal loan of up to $25,000 on LendingPoint’s website. To begin, customers will need:

    • Proof of employment and income
    • A voided check
    • Most recent bank statements
    • Current driver’s license or government-issued ID

    After submitting an application, LendingPoint’s algorithm will determine if an individual is approved for a loan. Once the proof of documentation is verified, customers can choose to receive their funds as soon as the next business day.

    LendingPoint rates

    You can request a personal loan ranging from $2,000 to $25,000. Interest rates range from 9.99% to 34.99%, depending on your credit score. While seeking a personal loan with LendingPoint will not affect your credit score, you must have a score of at least 585 to be approved. You can select payment terms of up to 48 months, and LendingPoint does not have a prepayment penalty.

    LendingPoint FAQ

    Is LendingPoint a direct lender?
    Yes, LendingPoint is a direct lender that can deliver next-day deposits.
    Does LendingPoint report to credit bureaus?
    Yes, LendingPoint reports loan activity to one or more credit bureaus. It also uses the FICO 9 credit scoring model.
    Are Lending Club and LendingPoint the same?
    No, Lending Club and LendingPoint are separate lending companies.

    Is LendingPoint legit?

    Yes, LendingPoint is a legitimate company. Its leadership team includes financial professionals with decades of combined experience in the industry. LendingPoint’s technology provides customers with access to a variety of personal loan options that can be used for debt consolidation, home repairs, bill payments and other personal uses.

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