LendingPoint vs Kashable

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.

When savings aren't enough, Kashable supports employees through life events. Kashable is a financial wellness solution for Federal employees, retirees and select Employers. Loans are repaid through allotment, direct deposit, or payroll deduction so there’s no need to worry about missing a payment. With Kashable, you’re set up to succeed. The Kashable branded Loan Program is available in all 50 states, District of Columbia and Puerto Rico except WV. Borrow - Kashable low-cost loans can be used to pay down other debt, manage emergency expenses, make auto repairs, and more. Apply and get approved within minutes. Once approved, track the status of your loan any time in the app. Build your credit - Kashable reports to all major credit bureaus which gives you the opportunity to improve your score. Check your rate - You can preview your loan amount and terms with no commitment and no hard inquiry on your credit report. Kashable Credit Monitoring: the simple, fast, and FREE way to shine a light on your credit profile, so you can track your progress towards your goals and protect yourself from inaccuracies and fraud. Financial literacy library available. No loan required! Loan amounts through Kashable range from $250 to $30,000 with loan terms from 6 to 36 months. APR for loans through Kashable range from 6% to 35.99%. Loans through the Kashable Branded Loan Program are not depository products, are subject to credit approval and are made by Medallion Bank, Member FDIC, or Kashable LLC, NMLS ID 1373339. To qualify for the lowest rate, applicants must have a responsible credit history. Employment, income, and other factors are taken into consideration. Not all applicants will be approved.