LendingPoint

LendingPoint

About this app

Welcome to the LendingPoint app, a comprehensive mobile application created to empower individuals in effectively managing their finances. By utilizing the app's capabilities, users can pave the way toward financial well-being and confidently achieve their long-term financial goals. Whether you're interested in checking rates for a personal loan or already have a loan with LendingPoint, the app covers you. Experience a hassle-free way to manage your account, make payments, and update your personal information all in one place. The LendingPoint app is designed to be your comprehensive solution for all your financial needs.

Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $50,000, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 by LendingPoint over a period of 48 months that has an APR of 24.99% with an origination fee of 10% may have a payment of $331.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

Ratings and reviews

Worst app and website I have ever used! Nothing seems to work, not even their customer service phone or email. I emailed them 3 weeks ago to get help on logging into my account to make an additional payment. Today is 9/17/23, and up to now, there has been no response. It feels like they are just trying to mess up people's credit! I DONT RECOMMEND LENDINGPOINT AT ALL !

I have tried emailing, using the app, using a desktop browser, and calling. I haven't gotten a response to my email (says it takes 24 hours but still nothing) and I get left on hold for hours (with kids and work I can't do that) the app and website is down so I can't pay my bill. Now I'm probably going to have a late payment fee because of THEIR issues.

At first, i loved the new updated interface. However, this app is not working to log in or make payments. I was called by customer service and treated as though it was my fault. I dumped my cache and reinstalled, but the service has not worked for what it was meant for over the past month. I've emailed requesting snail mail address to send a check because it's been that bad. Worst update ever.

What’s new

We’ve made your app experience smoother and faster — with visual polish, clearer actions, and overall stability improvements.