LendingPoint - Fast Personal Loans | No Hidden Fees | Apply Online

Unlock the possibilities

Personal Loans From

$1,000 – $36,500*

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Does not impact your credit score*

Important: Online banks are not acceptable — only local and traditional banks. If you don't have a traditional bank account, we require you to obtain a Walmart MoneyCard. Your loan will be activated and disbursed directly to your Walmart MoneyCard.

Money Made Easy ^™

Check Your Options

Get started with a simple application to see your payment options with no impact to your credit score.

Finish Application

Select the best loan terms and monthly payment for you and provide some additional information to complete your application.

Receive Funds

If approved, the funds could be in your account as soon as the next business day.

See what thousands of our customers are saying

My experience with LendingPoint

My experience with LendingPoint was very professional and easily navigated.

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Current Balance

$5,240.00

Next Payment

$245.00

Due Jan 15, 2025

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Technology that sees your potential

LendingPoint believes you are so much more than numbers on papers or filled-in form fields. That's why we've spent years perfecting a proprietary smart technology that, in seconds, can paint a more complete picture of you.

A picture that unlocks your perfect loan solution and all the possibilities that come with it.

Imagine the possibilities

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Unlock the possibilities with a personal loan through LendingPoint

Personal loans from $1,000 to $36,500 with flexible financing options and rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months.

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Frequently Asked Questions

Got questions? We've got answers. Find everything you need to know about our lending process.

Who is LendingPoint?

LendingPoint is a provider of unsecured personal loans for consumers. Through proprietary technology and algorithms, we're driving a better lending and borrowing experience by finding more reasons to say "yes." We've served hundreds of thousands of consumers with fair, transparent lending solutions.

Does applying impact my credit score?

Providing your basic information to view loan options does not impact your credit score. We conduct a "soft pull" of your credit to determine how much you could qualify for. If you select a loan option and continue your application, we require a "hard inquiry" for final loan approval, which will be seen as an inquiry on your credit report.

How much can I borrow?

Our personal loans range from $1,000 to $36,500. The loan amount you may be approved for depends upon your individual credit profile and the information you provide during the application process. We take several factors into consideration including your current debt-to-income ratio and payment-to-income ratio.

How soon can I receive my funds?

If approved, funds could be in your account as soon as the next business day. Our streamlined process ensures quick decisions and rapid funding so you can access the money you need when you need it.

What can I use the loan for?

You can use your personal loan for almost any purpose—debt consolidation, home improvements, medical expenses, unexpected emergencies, travel, weddings, taxes, or other personal financial needs. The flexibility is yours.

How does LendingPoint keep my information safe?

We take extensive precautions to protect your personal information. We use robust industry-leading procedures and safeguards, including encryption, to secure and protect your personal information. Your privacy and security are our top priorities.