LendingPoint Personal Loan review

Are you looking for a personal loan? Check out our comprehensive review of the LendingPoint Personal Loan, including the pros and cons, to see if it's the right choice for your financial needs.


by Aline Barbosa

Published on 02/08/2023

LendingPoint Personal Loan: Achieve your financial goals even with a less-than-perfect score

You can get the personal loan that you need with LendingPoint. Source: The News Stacker.

Are you feeling strapped for cash and need help coming up with a plan to get back on financial track? If so, our LendingPoint Personal Loan review might help you with a solution to your money problems. 

LendingPoint Personal Loan

How to apply for LendingPoint Personal Loan

Learn how simple and quick it is to apply for the LendingPoint Personal Loan and get the money you need at competitive rates.

  • APR: Rates vary between 7.99% and 35.99% based on your overall financial health.
  • Loan Purpose: Any purpose you may have – from wedding expenses to debt consolidation. 
  • Loan Amount: LendingPoint offers loan amounts between $2,000 and $36,500.
  • Credit Needed: You can qualify for a personal loan with LendingPoint with a 600+ credit score.
  • Terms: Repay your personal loan between 2 to 5 years.
  • Origination fee: LendingPoint may charge an origination fee up to 8%.
  • Late Fee: There are no late payment fees.
  • Early Payoff Penalty: You can settle your personal loan anytime with no prepayment penalties. 

LendingPoint is one of the most trusted online loan providers in the U.S., offering financial services since 2015. You can apply and get your funds on the same day, with interest rates starting at 7.99% for creditworthy customers. 

This LendingPoint Personal Loan review will cover everything you need to know before signing up.

That includes qualifications, interest rates, benefits, and more – so that when it comes time to make your decision you can do so confidently. Read on to learn more!

LendingPoint Personal Loan: What can you expect?

LendingPoint has built a reputation as one of the most reliable online loan services. Their quick, secure and simple loan application will give you a response in a matter of seconds and get the money you need very quickly.

You can borrow up to $36,500 with same-day funding and terms ranging between 2 and 5 years. Particular creditworthy customers can have access to their lowest APR, starting at 7.99%.

LendingPoint’s interest rates go as high as 35.99%.

Borrowers can pre-qualify online with only a soft pull to their credit scores, which allows them a simple and effective way to compare rates when shopping for loans.

LendingPoint stands out by offering useful resources like hardship programs, refinance options and a mobile app.

Do the pros outweigh the cons?

The mobile app will help you keep track of your finances. Source: The News Stacker.

Taking out a loan is a big commitment. Therefore, you must always weigh the benefits and potential drawbacks before signing up for one.

Below in our LendingPoint Personal Loan review we’ll look over the pros and cons to help you decide. 


  • The loan might be available to you even with a less-than-perfect score;
  • Borrow up to $36,500 with competitive interest rates starting at 7.99%;
  • You can pre-qualify for a LendingPoint loan with only a soft pull;
  • Possible same-day funding if your request is approved before noon;
  • Credit monitoring tool and intuitive mobile app;
  • You can change your payment day upon request;
  • LendingPoint offers refinance options and hardship programs. 


  • The company reports monthly payments to two out of the three main credit bureaus in the U.S.;
  • You cannot request a co-signed or joint loan;
  • LendingPoint does not offer secured loans.

What are the eligibility requirements?

To become eligible for a LendingPoint Personal Loan, you must be a U.S. citizen of 18 years or older. You also need a Social Security Number and a personal bank account. The minimum score requirement is 600, and you need a credit history of at least six months. 

Learn how to request the LendingPoint Personal Loan

If our LendingPoint Personal Loan review got you interested in applying from this lender, we can help you with the process.

Follow the link below to learn more about their online application and what to expect from it.

LendingPoint Personal Loan

How to apply for LendingPoint Personal Loan

Learn how simple and quick it is to apply for the LendingPoint Personal Loan and get the money you need at competitive rates.

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

Trending Topics


What is Tumblr? Is it worth leaving Twitter for it?

Learn more about Tumblr, the microblogging platform that allows users to share multimedia and content with their followers.

Keep Reading

Which country has the most active volcanoes?

Some of the world's most spectacular scenery can be found near or on an active volcano. Find out which country has the most active volcanoes.

Keep Reading

What are considered the most influential songs ever?

Find out which are the most influential songs ever and discover how they changed the way we hear music to this day. Read on for more!

Keep Reading

You may also like


See how to apply for the Premium Rewards® Elite Card

Learn how you can apply online for the Bank of America Premium Rewards® Elite Card and get started on earning valuable rewards!

Keep Reading

Learn how to increase your credit limit

Learn how to increase your credit limit so you can have more financial flexibility. Our simple guide shows you everything you need to know.

Keep Reading

Citi Premier Qantas Credit Card Review: a must-have for travelers

Thinking of getting a travel credit card? Read our Citi Premier Qantas Credit Card review and get the details about its exclusive benefits.

Keep Reading