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LendingPoint Personal Loans

Do you need a loan but have low or poor credit history? The LendingPoint personal loan can be the perfect service for you.

Source: LendingPoint Personal Loan

LendingPoint Loans is a service that offers personal loans especially aimed for people with poor or low credit score. They know is harder to get a loan with traditional credit companies if you do not have a goo credit history, but LendingPoint uses more than just your score to see if you are able to apply and get a loan.

On the LendingPoint website you can start by filling up a pre-qualification, this step will not harm your credit score in any way. With this information, LendingPoint can create a better picture of you than just your credit score, and offers will the better loans for your needs and situation.

Fast decisions No impact to credit score
Easy, transparent process:
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How LendingPoint Loans Can Benefit You

Are you wondering how a personal loan from LendingPoint can make a difference in your life? Here are some common scenarios where their loans can be a game-changer:

Debt Consolidation: If you’re juggling multiple high-interest debts, LendingPoint can help you consolidate them into a single, manageable monthly payment. This can save you money on interest and simplify your finances.

Home Improvement: Planning a home renovation? LendingPoint personal loans can provide the funds you need to turn your vision into reality.

Medical Expenses: Unexpected medical bills can be stressful. With LendingPoint, you can get the financial support you need to cover medical expenses without delay.

Special Occasions: Whether it’s a wedding, a milestone birthday, or a dream vacation, LendingPoint can help you finance those special moments in life.

Main Benefits of the LendingPoint Loans

LendingPoint is a company that offers personal loans aimed specially for those who has low or poor FICO score, these are the main advantages of this service:

  • The LendingPoint uses more than just your FICO score to determinate if your creditworthiness, with technology they usually say more “yes” than “no” to possible borrowers.
  • You can get loans starting in $2.000 up to $36.000.
  • The LendingPoint rate loans are fixed, your interest rate will never increase.
  • The application will not affect your score, LendingPoint does not check your credit.
  • You can choose the best payment date for you and change it once a year.

Requirements for applying on the LendingPoint

Source: LendingPoint Personal Loan

To be able to apply for a personal loan on LendingPoint there are some requirements you need to check, The LendingPoint personal loans is available for fourth-eight states, excluding Nevada and West Virginia, that’s the first point you should pay attention before apply.

Besides that, you need to be at least 18 years older and be able to provide to LendingPoint a U.S federal, state or local government-issued photo ID. They also need your social security number and you need to provide a verifiable personal banking account in your name as well. There is also a minimum income required, you need to prove at least an annual income of $35.000.

If you check all the requirements, you can go on and fill up your pre-qualification application and then you will see the possible loans available for you, then you just need to choose the one that fits you best, fill up the extra information (this must require you to upload some documents) and wait for the final approval. After approved, you can get your funds on the next business day.

How to Apply for the LendingPoint Loans

Here’s a step-by-step guide to help you navigate the application process:

Step 1: Visit the LendingPoint Website: Begin by going to the LendingPoint website. This is where you’ll find all the information you need to get started.

Step 2: Complete the Online Application: Once you’re on their website, locate the “Apply Now” button, which will take you to the online application form. You’ll need to provide personal information, including your name, address, contact details, and social security number. Be sure to double-check your entries for accuracy.

Step 3: Provide Financial Details: Next, you’ll be asked to share your financial information, such as your income, employment status, and monthly expenses. LendingPoint uses this information to assess your eligibility and determine the loan terms that best suit your financial situation.

Step 5: Accept the Loan Offer: If you’re satisfied with the loan offer, you can accept it electronically. Read and accept the terms and conditions provided by LendingPoint to proceed.

Step 6: Get Your Funds: After accepting the loan offer, LendingPoint will work swiftly to disburse the funds into your bank account. In most cases, you can expect to see the money in your account within one business day.


What is the minimum credit score required to qualify for a LendingPoint personal loan?

LendingPoint considers various factors when making lending decisions, so there is no strict minimum credit score requirement.

How quickly can I expect to receive the funds if my loan is approved?

In most cases, you can expect to receive your funds within one business day after accepting the loan offer.

Are there any prepayment penalties for LendingPoint personal loans?

No, LendingPoint does not charge prepayment penalties, allowing you to pay off your loan early if you wish.

Can I use a LendingPoint personal loan for any purpose?

Yes, LendingPoint personal loans are versatile and can be used for a wide range of purposes, including debt consolidation, home improvement, and more.

Fast decisions No impact to credit score
Easy, transparent process:
APPLY NOW You will be redirected

Formado em direito Especialista em economia, investimento e finanças pessoal. Seu foco é mudar a vida financeira das pessoas.