Product from LendingPoint™

Personal Loan from LendingPoint™ - see full info about rates, terms, credit score.

Updated November 29, 2022
3.6 out of 5
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Check your personal loan rates

scorer
APR Range
7.99 - 35.99%
scorer
Amount
up to $36,500
scorer
Term
up to 60 months
scorer
Minimum credit score:
Poor (300-579)
scorer
No early payoff penalty

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Options

  • Loan purpose:
    Personal Loan
  • Lender:
  • Credit Level:
    Poor (300-579)
  • When funds are available:
    1 business day.

Fees

  • Origination fee
    0.01 - 6%
  • Early payment fee
    No 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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