Apply online in about 5 minutes. Clear fees shown up front, no hidden charges, and money can be in your account as soon as the next business day.
Must be 18 or older with a verifiable income. Approval and funding times are not guaranteed.
Drag the slider, pick your term, and see an instant example cost.
No paperwork marathons, no branch visits. Everything happens online, on your schedule.
Complete our short application in about 5 minutes. We only ask for what we need — basic identity, income, and banking details.
Our system reviews your application right away. Most applicants receive a decision within minutes during business hours.
Once approved and you accept the terms, funds are deposited directly to your bank account — often by the next business day.
Checking your eligibility will not affect your credit score. It takes about 5 minutes.
See exactly what a loan could cost before you apply. No surprises, ever.
Calculation uses a representative fee of $15 per $100 borrowed. Your actual fee depends on your state and lender terms, and will be shown before you accept any offer.
Example only, not an offer of credit. Short-term loans are expensive and intended for short-term needs, not long-term financial solutions.
We designed every part of the experience to be fast, fair, and fully transparent.
Automated review means most applicants get a decision in minutes, not days. Apply anytime — our system never sleeps.
Your personal and banking information is protected with 256-bit SSL encryption and strict access controls.
The fee, APR, and total repayment are shown before you accept anything. What you see is exactly what you pay.
We look at your whole picture — income stability matters more to us than a perfect credit score.
Approved applications completed before the daily cutoff can be funded as soon as the next business day.
Questions about your loan? Our U.S.-based support team is available 7 days a week by phone, email, and chat.
Actual rates vary by state and lender. These examples show how the cost is calculated.
| Amount Borrowed | Term | Example Fee | Total Repayment | Example APR |
|---|---|---|---|---|
| $200 | 14 days | $30.00 | $230.00 | 391% |
| $350 | 14 days | $52.50 | $402.50 | 391% |
| $500 | 14 days | $75.00 | $575.00 | 391% |
| $750 | 21 days | $112.50 | $862.50 | 261% |
| $1,000 | 30 days | $150.00 | $1,150.00 | 183% |
Examples assume a fee of $15 per $100 borrowed. APR = (fee ÷ amount) × (365 ÷ days) × 100. These are illustrations, not offers. Your lender will disclose the exact APR, finance charge, and payment schedule in your loan agreement before you sign.
Real reviews from verified LendPoint.org customers.
Everything you need to know before you apply.
