Also known as: LendingPoint
LendingPoint is an online personal lender serving consumers in the fair-credit range. While LendingPoint's standard products are individual applications, some applicants may explore whether adding a co-signer or joint applicant can strengthen their application and improve the terms offered. A co-signer agrees to be equally responsible for repaying the loan if the primary borrower cannot, which reduces the lender's risk and may result in a higher approval chance or a lower interest rate for the borrower.
Before pursuing a co-signed loan, both the primary borrower and the co-signer should fully understand the commitment involved. If the primary borrower misses payments or defaults, the co-signer's credit score will be affected and they can be held legally responsible for the full remaining balance. Co-signing is a significant financial and personal commitment, not a formality.
LendingPoint personal loans are unsecured installment loans that can be used for debt consolidation, home improvement, medical bills, and other personal needs. Rates depend on creditworthiness, income, and other factors. LendingPoint charges an origination fee on many of its loans, which is deducted from the loan proceeds. The full annual percentage rate and total repayment amount are the key figures to review before accepting any offer.
For full product details including loan amounts, terms, rates, and current availability, review the main LendingPoint listing or visit LendingPoint's website directly. LendingPoint loans are originated through FinWise Bank. Availability and terms vary by state. Compare offers from multiple lenders before committing to any personal loan.
Quick info
Personal Loans
LendingPoint
Not verified
Not verified
2026-06-06
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Personal loans
Additional notes
Co-signer availability varies. Applicants should check current LendingPoint product terms directly.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
No review data available for this company.
Source URLs
Date checked
2026-06-06
How do I make a complaint about LendingPoint (Co-signer variant)?
Start with LendingPoint (Co-signer variant)'s internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is LendingPoint (Co-signer variant) regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find LendingPoint (Co-signer variant)'s official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think LendingPoint (Co-signer variant) has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a LendingPoint (Co-signer variant) issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
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