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
35.95–35.99%
Amount
$300–$10k
Term
12–48mo
Best for: Recent immigrants with no SSN and no US credit history who need a small loan and want to start building credit
APR
6.3–35.99%
Amount
$1k–$75k
Term
36–60mo
Best for: Educated immigrants with professional employment but thin US credit history who can benefit from non-traditional underwriting
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
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
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
Avant Personal Loans
PersonalAPR
9.95–35.99%
Amount
$2k–$35k
Term
24–60mo
Best for: This service is best for individuals looking for quick access to funds for personal expenses, such as medical bills or home improvements.