lendingpoint.com

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Through proprietary technology and algorithms, we're driving a better lending and borrowing experience by finding more reasons to say \"yes.\" After serving hundreds of thousands of consumers, we've expanded into small business, and merchant point-of-sale lending solutions to further unlock access to affordable loans."}},{"@type":"Question","@id":"https://www.lendingpoint.com/#faqpage/question/2","name":"How does LendingPoint keep my personal and bank information safe?","acceptedAnswer":{"@type":"Answer","text":"LendingPoint takes extensive precautions to protect your personal information. We use robust industry-leading procedures and safeguards, including encryption, to secure and protect your personal information. Further information regarding LendingPoint's security policies and procedures can be found here: Terms of Use."}},{"@type":"Question","@id":"https://www.lendingpoint.com/#faqpage/question/3","name":"Does applying impact my credit score?","acceptedAnswer":{"@type":"Answer","text":"Providing your basic information to view loan options does not impact your credit score. To determine how much you could qualify for, we conduct a \"soft pull\" of your credit. If you select a loan option and continue your application, we require a \"hard inquiry\" to verify the information you've provided on the application for final loan approval. This \"hard inquiry\" will be seen as an inquiry on your credit report."}},{"@type":"Question","@id":"https://www.lendingpoint.com/#faqpage/question/4","name":"What is the eligibility criteria for a LendingPoint loan?","acceptedAnswer":{"@type":"Answer","text":"To be eligible for a LendingPoint loan, you must: be 18 years or older; be able to provide a U.S federal, state, or local government-issued photo ID; have a social security number; have a minimum annual income of $35,000 (from employment, retirement, or some other source); have a verifiable personal banking account in your name; and not reside in Nevada or West Virginia."}},{"@type":"Question","@id":"https://www.lendingpoint.com/#faqpage/question/5","name":"How much can I borrow?","acceptedAnswer":{"@type":"Answer","text":"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. The maximum loan amount offered is based upon what is believed to be affordable for you. We take several factors into consideration including your current DTI (debt-to-income ratio) and PTI (payment-to-income ratio)."}},{"@type":"Question","@id":"https://www.lendingpoint.com/#faqpage/question/6","name":"What's the status of my loan application?","acceptedAnswer":{"@type":"Answer","text":"If we request additional documentation to complete your application, you'll be notified of a decision within one to three business days once the information is received. You can check the status of your application by calling Customer Support at (888) 969-0959."}},{"@type":"Question","@id":"https://www.lendingpoint.com/#faqpage/question/7","name":"Why was my application declined?","acceptedAnswer":{"@type":"Answer","text":"If your application was turned down, you'll receive an email regarding the decision, including how to get a statement of specific reasons."}}],"inLanguage":"en-US"}]}