Product from LendingPoint™
Personal Loan from LendingPoint™ - see full info about rates, terms, credit score.
Updated November 29, 2022
Learn more
Check your personal loan rates
APR Range
7.99 - 35.99%
Amount
up to $36,500
Term
up to 60 months
Minimum credit score:
Poor (300-579)
No early payoff penalty
See full info about rates in different states
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Options
- Loan purpose:Personal Loan
- Lender:
- Credit Level:Poor (300-579)
- When funds are available:1 business day.
Fees
- Origination fee0.01 - 6%
- Early payment feeNo early payment fee.
- Late fee$30
Pros & Cons
Pros:
- Fast payment
- No prepayment fees
- Flexible repayments
Cons:
- Late Payment Fee
- No autopay discount
- High APR
Rates
Rates
7.99 - 35.99%
Term
24 - 60 months
Loan Amount
$2,000 - $36,500
Special conditions in the states listed below:
- Georgia have a minimum loan amount of $3,500
List of states where LendingPoint™ loan is not available:
- Nevada
- West Virginia
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
View all Rates & Fees Requirements
- What you need to get approved (Qualifications)FICO® score 600 or higher.
- Ages
You must be 18 or older to be eligible for a personal loan.
- Residence
You must be a US citizen or permanent resident.
- Requirements Description
- Be at least 18 years and have a valid government-issued photo ID
- Be a US citizen or permanent resident, and live in a state where the lender has operations — anywhere in the U.S. except Nevada and West Virginia
- Have a valid Social Security Number (SSN)
- Have a verifiable personal bank account in your name
- No minimum credit score is disclosed. Some sources place it at 580+ and an average of 673
- No minimum income is disclosed. Some sources quote a minimum income of $20,000, with the average customer earning $80,000 annually
- A debt-to-income ratio of less than 50%, excluding mortgage. The average customer ratio is 13%
- At least 12 months after a discharged bankruptcy
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Description
LendingPoint™ loans range from $2,000 to $36,500, APRs from 7.99% to 35.99%, with loan terms of 24 to 60 months.
Your loan could be subjected to an origination fee of up to 6% and a late payment fee of up to $30.
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