7 Great LendingPoint Loans Alternatives

LendingPoint is one of the best sites to go when you are looking for personal loans online, mostly famous because of its options when it comes to mortgage, bad credit loans, and debt consolidation.

But, there are plenty of other options that you can find if the rates that you get from lenders here are too high or the conditions not fit. This is why we created this article to show you 7 great LendingPoint Loan alternatives.

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NeedCashInstantly.com

Official Site

Based in Las Vegas, this site offers to connect you with about 100 lenders around the USA; as for its requirements and offers, it works like any other US online loans site, with de difference of offering really low-rate loans even when dealing with bad credit loans and debt consolidation.

When entering the site, you will be shown options based on your credit request in ranges from 100-250 $, to 2500-5000 $.

On the downside, the lender-pool is quite low, the offers that you will get from this site are going to be somehow limited and the site doesn’t clear out the security system used to protect your credit information and their internet base information is a bit shady which supposes a high risk despite the user’s reviews.

Pros

  • US-based
  • Generally low-rates
  • Good offers for bad credit loans

Cons

  • Low lender-pool which translates in few offers
  • Unclear security methods
  • The low cap on the loans offered

NeedCashInstantly is an uncommon and risky alternative to look for if you wish to sell your current debt or have a bad credit score; nevertheless, if you are worried about a possible leak in your information or want to have many other options, is probably better for you avoid the risk.


GetFundsAsap.com

Official Site

GetFundsAsap is a quick online credit service website with a lender-pool of above 100 registered lenders. Differently, with most sites, this one allows you to review posted offers before requesting a credit, even though the posted offers are few and the conditions reflected are highly inclined towards the lender benefits.

Here you can apply online and request any amount of money between 100-5000 $ which will be approved or not by the lenders who check your profile and credit score in the site.

This way, unlike the other sites we named before, GetFundsAsap does not focus n bad credit loans, but any lender in the site can agree to extend you a credit under his own risk.

Pros

  • Offers previews before contacting lenders
  • Variety of terms and conditions
  • Your information will be encrypted for security

Cons

  • Minimal income of 1000 $/month to apply
  • Not focused on reprogramming, debt consolidation or bad credit loans

GetFundsAsap is overall a decent option to find out a lender to refinance your current credit or lend you regardless of a bad score; nevertheless, you will have to search toughly in order to find the right offer since the site doesn’t focus in this type of personal loans.


Payzonno.com

Official Site

Another good option when looking for a safe and quick loan can be Payzonno, this site offers a greater variety of lenders than the ones mentioned above, and its offer is closer to the one that you find with LendingPoint Loans.

As for itself, this is a US based and directed loan connection service that can get you to contract with more than 200 lenders online.

Among its features, Payzonno counts with a great customer service, nice and clear process information, a great lender-pool and an inside market with really low fees.

On the downside, this is a fully operative lending service connection site, meaning that you will have to search for debt consolidation offers separately. As for its requirements, they urge you to have a 90-day old income greater than 1000 $, and even when they highlight the offer of poor credit loans this depends entirely on the lender’s decision.

Pros

  • Great lender-pool
  • Trustworthy and safe all-around

Cons

  • No offers lower than 1000$
  • Low offer cap at 5000 $
  • Poor credit loans are scare

Payzonno’s service is expanded to all types of personal loans, but the cash cap is actually low and most of the terms and conditions are not motivated by the site’s politics giving the lenders a lot of ground in the negotiation.


FastCashOnline.com

Official Site

To make an online loan application on this website, you must complete a form and subscribe. Then, you will be able to submit a credit request and wait for the quick response of about 25 available lenders on the site.

FastCashOnlineis a member of the Alliance of Online Lenders 2018 and despite their customer service isn’t really great, they do offer a great FAQ and “how it works” sections that clear out almost every aspect of the process.

Pros

  • Quick lenders response
  • Certified by the Alliance of Online Lenders
  • Cristal clear policies

Cons

  • Request cap of 2500$ -Which is really low-
  • Extremely low lender-pool around 25

FastCashOnlinedoes guarantee two things: First, security and legality, being endorsed by a recognized online lenders organization valued in the US; and second, the quick response and availability of its registered lenders.

The downside of this site is that such a low lender pool allows the inner market to be more restricted when it comes to the “offer and demand” factor, so you will have to look good for the lenders making negotiations tough, especially when it comes to bad credit loans.


LoanSolo.com

Official Site

Now, if what you need is a quick payout loan, then LoanSolo is a great option. They offer a loan connection service based in the US that provides loans for up to 1000 $ which is a really low cap.

But, to overcome this disadvantage, they work with really fast turnarounds, meaning that you can even get the money the same day you send the request.

This site is focused on small payday loans, directed to help you keep up until your next check comes in, therefore they require few documents in comparison to other services reducing the time of the process.

On the other hand, you won’t be able to request their services if you live in Pennsylvania, Vermont, West Virginia, New Jersey, New York, North Carolina, Georgia, Maryland, Massachusetts, Arizona, Arkansas or Connecticut.

Pros

  • Extremely fast turnaround
  • Great lender-pool
  • Secure system

Cons

  • Not available in some of the states
  • Really low cap at 1000 $

Not much to say, this is the best option all-around if you need 1000$ or less in no time.


LendYou.com

Official Site

LendYou is a loan and credit referral service based in the US that protects your information with 128-bit SSL encryption just like most professional banks do. But what really makes them shine is that they offer unsecured loans for as much as 15000 $.

In addition, the site urges lenders to approve most credits without much consideration in a limit time of 24 hours; they are usually approving all credits whether you have a good record or not and have very few limitations about the means of the credit –You can basically use the money for whatever you want as long as it is legal-

Keeping all this in mind, LendYou is probably the best option in our list, but it is only fit for US citizens and the rates and fees will vary depending on your state and your personal credit score.

Pros

  • Quick turnaround
  • 100% legit and secure
  • Good approval range 100-15000 $
  • Bad loan friendly
  • Easy to use
  • Minimal use restrictions

Cons

  • Rates and fees can fly high, you have to evaluate carefully every lender until the best one appears

TheLoanExchange.com

Official Site

Now, for the last option of our list, we have the loan exchange, in difference with the other sites we just listed above, this one offers services directed only to big loans, covering sums to up to 25000 $.

On the downside, the credit loans from this service range from a minimum of 6000 $, and they do have other requirements including a credit score of at least 500 points and a bank account that is at least 90 business days old.

In addition, TheLoanExchangeworks only in the US and you can only apply if you are from Alabama, Arizona, California, Delaware, Hawaii, Iowa, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maine, Mississippi, Missouri, Nebraska, New Hampshire, New Mexico, Ohio, Oregon, South Carolina, Utah, Wisconsin or Wyoming.

Pros

  • Good and competitive lenders with good and competitive rates
  • The site works with really big loans for a non-secured loan service
  • Friendly to new businesses and entrepreneurs

Cons

  • If you have a good credit score you could find better rates
  • High fees from the site –With an origination fee that starts at 5%-
  • You can’t access the service from all the states

It’s all about the deal!

In the end, what really makes the difference is the deal that you can bargain with the lenders who contact you through any of these sites. If you are looking for a bad credit loan, or just have a payment that needs refinancing don’t stick to one lonely option, there are great LendingPoint Loans Alternatives that you can consider.


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