LendingPoint personal loans: APR, fees and requirements
What LendingPoint publishes about its personal loans (7.99% to 35.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
| Lender type | Online lender |
|---|---|
| APR range | 7.99% to 35.99% |
| Loan amounts | $1,000 to $36,500 |
| Repayment terms | 24 to 72 months |
| Origination fee | Varies; check the lender's rates and terms |
| Minimum credit score | Not published |
| Funding time | If approved, funds often sent via ACH the next non-holiday business day |
| Availability | Must not reside in Nevada or West Virginia. Minimum annual income $35,000. State minimums: Georgia $3,500; Colorado $3,001; Hawaii $2,000. Higher loan amounts may be available through select partners. |
How the lender states its rates: “Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months.”
How the starting rate compares
The lowest advertised APR, 7.99%, ranks 15 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Similar lenders
Mariner Finance
Online lender
- APR
- 15.99% to 35.99%
- Loan amounts
- $1,000 to $25,000
- Origination fee
- Varies
Oportun
Online lender
- APR
- Up to 36.00%
- Loan amounts
- $300 to $10,000
- Origination fee
- Varies
OppLoans
Online lender
- APR
- Up to 195.00%
- Loan amounts
- $500 to $5,000
- Origination fee
- None
Checked on October 16, 2026 on the lender's website. Rates and terms change: confirm before you apply. lendingpoint.com