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.

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✓ Accepts fair credit (580+) ✓ Up to $36,500 ✓ Same-day approval possible
Representative APR Amount Term Type
7.99–35.99% $1k–$36.5k 24–72 mo personal
Best For

Immigrants with SSN and work authorization but limited US credit history

Pros & Cons

Pros
  1. ✓ Accepts fair credit (580+)
  2. ✓ Up to $36,500
  3. ✓ Same-day approval possible
  4. ✓ No prepayment penalties
Cons
  1. ✗ SSN required — no ITIN
  2. ✗ Minimum $35,000 income required
  3. ✗ Origination fee up to 8%
  4. ✗ Not available in NV or WV

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