LendingPoint Personal Loan
Personal loans up to $36,500 designed for fair credit borrowers, considering income stability beyond just credit score.
Last checked on September 4, 2026. We may earn a commission when you click through.
LendingPoint Personal Loan
Updated 1 month agoAPR Range
7.99–35.99%
Amount
$1k–$36.5k
Term
24–72 months
Type
personal
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Our Verdict
LendingPoint serves fair-credit borrowers with a broader underwriting model. Requires SSN but accepts thin credit files common among new immigrants with work authorization.
Best For
Immigrants with SSN and work authorization but limited US credit history
Pros
- Accepts fair credit (580+)
- Up to $36,500
- Same-day approval possible
- No prepayment penalties
Cons
- SSN required — no ITIN
- Minimum $35,000 income required
- Origination fee up to 8%
- Not available in NV or WV
About This Loan
Requirements
- SSN required
- US address
- Minimum $35,000 annual income
- 18+ years old
Similar options
APR
8.74–11.74%
Amount
$1k–$100k
Term
12–60mo
Best for: Immigrants with ITIN who want predictable, low-cost borrowing from a credit union with open membership
LendingClub Debt Consolidation Loan
ConsolidationAPR
5.96–35.99%
Amount
$1k–$40k
Term
24–60mo
Best for: Best for borrowers with a credit score of at least 600 seeking fast approval and funding.
APR
8.99–35.99%
Amount
$5k–$50k
Term
24–60mo
Best for: Immigrants with SSN and established credit (620+) looking for larger loan amounts
APR
11.99–35.99%
Amount
$1.5k–$30k
Term
24–60mo
Best for: Immigrants needing larger loan amounts ($5,000+) who can visit a branch in person
APR
8.14–24.99%
Amount
$1k–$35k
Term
6–60mo
Best for: Immigrants who prefer a major bank and have passport or ITIN but no SSN, especially for moderate loan amounts
APR
7.74–35.99%
Amount
$1k–$75k
Term
24–84mo
Best for: Immigrants with fair or bad credit who need flexible approval requirements, or newcomers applying with a US-based cosigner