Original research
LendingPoint personal loans: what to check before you borrow
What to check
LendingPoint: the way the loan fee is charged can vary. Ask whether it comes out of the cash or adds to what you owe. The legal lender listed in this record is varies. Confirm the name and terms on your own offer. These facts describe the dated sample, not a promised rate or approval.
This 17-program sample is not the whole market and cannot predict your offer. CC BY 4.0 covers Rung-owned work, with third-party material excluded. This working report is public. Publisher review and third-party source clearance remain pending; no completed reviewer approval is claimed.
- Published fee: up to 10% (minimum not confirmed). Treatment: variable.
- Legal lender: Direct-to-consumer applications may be funded by FinWise Bank, Coastal Community Bank, or LendingPoint as a licensed state lender.
- State access: broad with named amount exceptions.
- Still unclear from public sources: origination fee min
These terms may not match your offer
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| What to check | Published information |
|---|---|
| Product | LendingPoint direct-to-consumer personal loan |
| Provider role | mixed |
| APR | 7.99% to 35.99% |
| Origination fee | up to 10% (minimum not confirmed) |
| How the fee is charged | variable |
| Loan amount | $1,000 to $36,500 |
| Loan length | 24 months to 72 months |
| State or access rule | United States subject to creditor and state limits; minimum amounts are $3,500 in Georgia, $3,001 in Colorado, and $2,000 in Hawaii on the controlling DTC disclosure |
A deducted fee can make the loan larger than the cash you get
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| Cash you need | Fee basis | Fee rate | Loan amount | Fee removed | Fits published range? |
|---|---|---|---|---|---|
| $5,000 | range maximum optional deduction | 10% | $5,555.56 | $555.56 | Yes |
| $10,000 | range maximum optional deduction | 10% | $11,111.11 | $1,111.11 | Yes |
| $20,000 | range maximum optional deduction | 10% | $22,222.22 | $2,222.22 | Yes |
The legal lender may differ from the brand
Brand or platform: LendingPoint LLC
Legal lender: varies
Servicer: LendingPoint LLC
Direct-to-consumer applications may be funded by FinWise Bank, Coastal Community Bank, or LendingPoint as a licensed state lender.
Public borrower data describes a group, not you
Where the evidence centers: not confirmed. Evidence type: provider stated market. Confidence: low.
LendingPoint says it was built to provide fair credit to applicants left behind by FICO-only models, but it does not publish a current funded-borrower score center on the reviewed pages.
People covered: LendingPoint's stated target market. Period end: 2026-09-05.
Most funded-loan records cover a limited group or period
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| People or loans covered | Comparison class | Scope | Period end | APR | Why it stops |
|---|---|---|---|---|---|
| securitized pool | B | Six LendingPoint securitization transactions backed by direct-to-consumer unsecured loans | 2026-04-30 | Not reported | The public release establishes a DTC unsecured pool but does not disclose a usable borrower APR or FICO distribution. The six transactions span multiple vintages and have materially different performance. The ratings are investor-credit measures and are not borrower credit grades. |
Your state or membership can change the answer
United States direct-to-consumer offering subject to creditor and state limits.
Public map status: broad with named amount exceptions. Named as included: We could not confirm this. Named as excluded: We could not confirm this.
- GA: $3,500 minimum for the direct-to-consumer product.
- CO: $3,001 minimum for the direct-to-consumer product.
- HI: $2,000 minimum for the direct-to-consumer product.
- multiple states: The direct-to-consumer creditor may be FinWise Bank, Coastal Community Bank, or LendingPoint as a licensed state lender.
Confirm every answer the public pages leave open
- origination fee min
- hard pull stage
- direct pay available
- full state matrix
- complete availability list
- creditor assignment by state or offer
- fee treatment by state
- LendingPoint LLC: Online Loans. official product page; checked 2026-09-05. DTC disclosure; APR, amount, term, fee, fee-treatment options, state minimums, representative example, and creditor list
- LendingPoint LLC: Press Kit. official investor release; checked 2026-09-05. Company-reported cumulative originations through Q2 2026 and product description
- Kroll Bond Rating Agency, LLC: KBRA Downgrades and Affirms Ratings for LendingPoint Asset Securitization Trusts. other primary; checked 2026-09-05. Six DTC securitization transactions backed by unsecured consumer loans; performance and product-scope discussion
- LendingPoint LLC: About Us. official product page; checked 2026-09-05. Company history states a fair-credit focus and use of information beyond a FICO-based model
Dataset personal-loan-funded-cost@2026-09-05.collection.3. Snapshot September 5, 2026. No independent reviewer is credited.
Check the next part of your offer
Use your current agreement as the final record.
Confirm your APR, fee, cash received, payment, total repayment, loan length, legal lender, and state rules.