Near-prime lender with fast approvals and a broad 580–850 FICO acceptance range.
Get started at LendingPoint, LLC → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Borrowers with 580–660 FICO who want fast approval and a lender that emphasizes income alongside score.
LendingPoint — Near-prime lender with fast approvals and a broad 580–850 FICO acceptance range. Best for: Borrowers with 580–660 FICO who want fast approval and a lender that emphasizes income alongside score.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
LendingPoint is positioned for near-prime borrowers in the roughly 580–660 FICO range who want fast approval from a lender that weighs income alongside credit score. It accepts FICO scores from about 580 upward and emphasizes income as a meaningful qualifying factor, which can help applicants whose score alone might fall short elsewhere.
LendingPoint serves FICO scores from about 580 upward and requires a minimum of $35,000 in annual income. Meeting these floors does not guarantee approval — terms depend on your full profile. Confirm current eligibility requirements directly at lendingpoint.com before applying.
In some states LendingPoint charges an origination fee of up to 10%, so the amount you receive can be less than the stated loan amount. The fee varies by state, so verify your state's specific fee before accepting any offer and factor it into your total cost.
LendingPoint advertises next-business-day funding for most approved borrowers. Actual timing depends on verification and your bank, so confirm the current funding timeline at lendingpoint.com.
No — LendingPoint uses a soft rate check that does not affect your credit score, so you can see potential offers before committing. Loan amounts range from $1,000 to $36,500 with an APR range of 7.99%–35.99%; borrowers below about 620 FICO typically receive rates in the upper band. ClearValue Lending is a small business funding platform, not a personal lender or LendingPoint affiliate — this is editorial information, and final terms are set by LendingPoint.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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