LendingPoint

LendingPoint is a financial technology platform headquartered in metro Atlanta, Georgia, that provides unsecured personal loans to consumers across the United States. Founded in 2014, the company has grown to become a significant player in the online lending industry, having originated over $9.5 billion in loans. LendingPoint distinguishes itself from traditional lenders by using proprietary AI and data models that evaluate a person's complete financial picture, going beyond traditional FICO-based credit evaluations to find more reasons to say "yes" to deserving borrowers.

The company offers personal loans ranging from $1,000 to $36,500 with fixed interest rates between 7.99% and 35.99% APR and flexible repayment terms from 24 to 72 months. Beyond consumer lending, LendingPoint has expanded into small business and merchant point-of-sale lending solutions. The company operates in 42 states and is known for its transparent terms, responsible lending practices, and customer-focused approach, with services available through its website and mobile applications for both iOS and Android devices.