LendingPoint Personal Loans review: get a loan easily

With LendingPoint Personal Loans you do not need perfect credit to get approved for a loan, and applying only takes a few minutes.


LendingPoint Personal Loans: quick access to funds and low credit requirements

lendingpoint personal loans
Learn how the LendingPoint Personal Loans work. Source: The Post New.

LendingPoint Personal Loans are an excellent option for people with a fair or poor credit score. Read this LendingPoint review to learn how to get loans for large expenses and midsize home improvements.

This lender only requires a soft credit check for you to pre-qualify. With it, you get fast access to funding, access to a free credit score, and you can even change your payment date.

lendingpoint personal loans

How to apply for LendingPoint Personal Loans

Learn how to apply for LendingPoint Personal Loans and get approved today even if you do not have good credit.

Not to mention it also offers a mobile app where you can manage loan payments.

  • APR: 7.99-35.99%
  • Loan Purpose: Including (but not restricted to) debt consolidation, medical expenses, home renovations, vacation, and moving costs
  • Loan Amount: $2,000-$36,500
  • Credit Needed: Bad – Fair
  • Terms: 2 to 5 years
  • Origination Fee: 0% to 7%
  • Late Fee: N/A
  • Early Payoff Penalty: N/A

How does LendingPoint Personal Loans work?

LendingPoint offers unsecured personal loans for borrowers with fair or even bad credit. The good thing is that they do not charge high interest rates.

Before you apply, it is possible for you to pre-qualify in order to find out the rates you will pay on your loan.

You can get a loan of up to $36,500. LendingPoint Personal Loans offer lower loan amounts than many of its competitors.

However, it does report your payments to two of the three major credit bureaus, which helps you work on your credit if you make on-time payments.

The application process only takes a few minutes to complete, and the lender’s decision comes out in seconds.

Funding is also very fast. It is even possible that you get it on the same day if you get approved before noon.

LendingPoint allows borrowers to pre-qualify so that they can evaluate their loan options before actually applying. Pre-qualifying does not affect your credit score.

Once you sign a loan agreement with this lender, you can change your payment due date. You can do that once a year, and it is very convenient in case you have a change in income and expenses.

LendingPoint also allows its borrowers to use loans to refinance a loan from another lender or from LendingPoint itself. If you have good enough credit you may even qualify for a lower rate.

LendingPoint Personal Loans: should you apply for it?

couple with new furniture
You can get a personal loan to achieve your goals – like buying furniture for your new house. Source: Freepik.

Should you apply for a LendingPoint Personal Loan? In order to help you answer this question, we have put the pros and cons side by side below for comparison. Check it out.


  • Quick access to funding
  • Pre-qualify with a soft credit check
  • Access to a free credit score
  • Allows for change in the payment date


  • It does not allow for large loans
  • Does not accept secured, joint, or co-signed loans
  • 7% origination fee

What is the required credit score?

LendingPoint Personal Loans are accessible and are available to borrowers with fair or bad credit. You do not need to have an excellent or even good credit score to get approved.

Learn how to apply for  LendingPoint Personal Loans

Interested in this offer? Great! It is time to take action and apply for your loan. Click the link below for a complete step-by-step guide on how to do it.

lendingpoint personal loans

How to apply for LendingPoint Personal Loans

Learn how to apply for LendingPoint Personal Loans and get approved today even if you do not have good credit.

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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