ImmediatePay vs LendingPoint

Access the Pay You’ve Earned When You Need It Most We partner with employers to offer access to earned pay between paydays and our pay card solutions. How ImmediatePay Works Your earned pay is available to access after you finish your workday, thanks to time tracking and payroll connections with Immediate. Simply choose the amount you’d like to transfer, select where to send the funds, and confirm the details. It’s that simple—you’ve just been paid! Financial Wellness Tools Whether you’re looking to manage your expenses better, start saving for a financial goal, or build healthier habits, ImmediatePay gives you access to tools that can help improve your overall financial wellness. Financial Coaching: Do you have specific questions about your finances? As an enrolled user, you can access real-time financial coaching from our experts. Whether you need advice on saving for an emergency fund or improving your credit score, we’re here to help guide you! Financial Surveys: Take charge of your financial health with tools like the FinHealth Score® from the Financial Health Network. Assess spending, saving, borrowing, and planning behaviors to make smarter decisions to improve your financial well-being. Financial Education: Access hundreds of financial education articles and financial wellness calculators. Whether you’re just starting out or working toward long-term goals, these resources will help you make informed decisions no matter where you are in your financial journey. Prescription Savings: Save big on prescriptions for you and your family with up to 80% savings on medications at over 65,000+ pharmacies nationwide. Get Started with ImmediatePay Today ImmediatePay is offered through participating employers as a financial wellness benefit. If your workplace doesn’t have it yet, ask your employer to consider offering ImmediatePay so you can access the pay you’ve earned when you need it most.

Welcome to the LendingPoint app, a comprehensive mobile application created to empower individuals in effectively managing their finances. By utilizing the app's capabilities, users can pave the way toward financial well-being and confidently achieve their long-term financial goals. Whether you're interested in checking rates for a personal loan or already have a loan with LendingPoint, the app covers you. Experience a hassle-free way to manage your account, make payments, and update your personal information all in one place. The LendingPoint app is designed to be your comprehensive solution for all your financial needs. Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $50,000, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 by LendingPoint over a period of 48 months that has an APR of 24.99% with an origination fee of 10% may have a payment of $331.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.