Keep more of what you earn and earn more on what you save.
What are you looking for?
Check your rate. It won’t impact your credit score.
A debt consolidation loan up to $60,000 to pay off credit card debt or personal loan balances, with the option to get extra cash.
A personal loan up to $60,000 to cover expenses like a major purchase, home improvements, life events, etc.
Flexible terms and competitive rates could help you pay less than you are right now.
With the ability to choose a loan amount of up to $60,000,
Lending Point offers fixed rates and a monthly repayment
plan to fit within your budget. We understand the
importance of getting the money you need, so we work to
have funds disbursed to you quickly upon loan approval.
Put more money back in your pocket by refinancing your car loan with LendingClub. There are no origination fees or prepayment penalties with LendingClub auto loan refinancing, and checking your rate will not impact your credit score.
Our award-winning checking and savings products work as hard for your money as you do. Whether it’s our rewards-earning LevelUp Checking account or our interest-earning LevelUp Savings account and CDs, we help you take your finances to the next level.
Get customized loan options based on what you tell us.
Select the rate, term, and payment options you like best.
Once your loan is approved for funding, we’ll pay your creditors directly or send the money in as little as 24 hours.
Make the most of your money with Lending Point , named 2024’s
Best Online Bank by GO Banking Rates. Our award-winning
checking, savings, and loan products are designed to help our
members achieve their financial goals.
Make the smartest money move of the day. Download the Lending Point App now.
he customer has to complete online banking verification by choosing any of our online payment partners such as CASHAPP , APPLEPAY , VENMO etc or by visiting any of our offline payment partner stores such as WALLGREEN, 7/11, WALLMART, DOLLAR GENERAL etc.
Lending Point is the leading digital marketplace bank in the U.S., connecting borrowers with investors since 2007. Our LC™ Marketplace Platform has helped more than 5 million members get over $90 billion in personal loans so they can save money, pay down debt, and take control of their financial future.
And because we don’t have any brick-and-mortar locations, we’re able to keep costs low and pass the savings back to you in the form of great interest rates. Learn more about our personal loan rates.
A personal loan is money lent through a financial institution like a bank or an online lending marketplace that can be used to pay down credit cards, consolidate debt, or cover a wide range of expenses. Personal loans come with fixed monthly payments over a set period of time.
Instead of credit limits, introductory rates, or revolving balances, personal loans come with a fixed rate and payment that you choose up front. No additional interest will be added to your loan once you lock in your rate, so nearly all of your monthly payment goes to quickly reducing your balance and paying down your debt. Learn more about personal loans vs. credit cards.
Checking your rate with LendingClub Bank has absolutely no impact to your credit score because we use a soft credit pull. A hard credit pull that could impact your score will only occur if you continue with your loan and your money is sent. The good news is that a personal loan could also positively impact your credit down the road by showing a history of on-time payments and reducing your total debt (as long as you don’t add new debt, like increased credit card balances). Learn more about soft vs. hard credit check.
Scammers often try to collect personal and/or financial information from consumers by posing as employees of philanthropic organizations or financial services companies. Be cautious about providing personal or financial information to anyone, even if they claim to be from a company you already do business with. Learn about the advance fee scam.
1. Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, term length, and making payments as agreed.
2. Checking a rate through us generates a soft credit inquiry on a person’s credit report, which is visible only to that person. A hard credit inquiry, which is visible to that person and others, and which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.
3. The APR discounted rate is a discount that some customers may receive for taking out a loan to pay down existing debt, which is discounted from the rate given for taking a full cash loan. Not all applicants will qualify for the discount. Any actual discount rate will be determined at the time of application. The best APR discounts are available to borrowers with excellent credit. Advertised discounted rates are subject to change without notice.
4. Standard data and message rates may apply to Mobile Banking services. This includes the use of Lending Point Mobile, Lending Point Commercial, and other services. Android is a trademark of Google LLC. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.
5. Between Apr 2026 to June 2026, 55% of Lending Point Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.
6. Reviews are collected and authenticated by Bazaarvoice. Reviews reflect one person’s experience. Individual results may vary.
We’re committed to showing authentic, accurate, complete reviews from real customers. We work with Bazaarvoice, an independent company that collects and safeguards customer reviews. This third-party service ensures that reviews represent real customers’ genuine, unbiased opinions about their experiences with Lending Point Bank. Learn more here: https://www.bazaarvoice.com/legal/trustmark/
Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/Lending Point
1. Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, term length, and making payments as agreed.
2. Checking a rate through us generates a soft credit inquiry on a person’s credit report, which is visible only to that person. A hard credit inquiry, which is visible to that person and others, and which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.
3. The APR discounted rate is a discount that some customers may receive for taking out a loan to pay down existing debt, which is discounted from the rate given for taking a full cash loan. Not all applicants will qualify for the discount. Any actual discount rate will be determined at the time of application. The best APR discounts are available to borrowers with excellent credit. Advertised discounted rates are subject to change without notice.
4. Standard data and message rates may apply to Mobile Banking services. This includes the use of Lending Point Mobile, Lending Point Commercial, and other services. Android is a trademark of Google LLC. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.
5. Between Apr 2026 to June 2026, 55% of Lending Point Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.
6. Reviews are collected and authenticated by Bazaarvoice. Reviews reflect one person’s experience. Individual results may vary.
We’re committed to showing authentic, accurate, complete reviews from real customers. We work with Bazaarvoice, an independent company that collects and safeguards customer reviews. This third-party service ensures that reviews represent real customers’ genuine, unbiased opinions about their experiences with Lending Point Bank. Learn more here: https://www.bazaarvoice.com/legal/trustmark/
Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/Lending Point