Lendingpoint: other major purchases promotions, coupons, offers

One way to get a lower interest rate on your LendingPoint loan is to use a promotional code when you apply. LendingPoint sometimes offers promo codes for new customers or existing account holders that can reduce your APR by a certain percentage or amount. You can find these promo codes on LendingPoint's website, social media, or partner sites. Another way to get a lower interest rate is to improve your credit score before applying. LendingPoint considers your credit score, income, debt-to-income ratio, and other factors when determining your interest rate. The higher your credit score, the lower your interest rate may be.

The LendingPoint Club is a loyalty program that rewards you for shopping with LendingPoint's business partners. You can earn points every time you use your LendingPoint loan to pay for goods or services from participating merchants, such as healthcare providers, contractors, or retailers. You can also get exclusive offers and discounts, and access to member-only competitions and events. You can redeem your points for gift cards, cash back, or loan payments. To join, simply sign up online or in the LendingPoint app with your email address.

The best way to find out about the latest deals and offers from LendingPoint is to subscribe to their newsletter. You can do this by entering your email address at the bottom of their homepage or in the pop-up window when you visit their website. You will also get a 10% off welcome code when you sign up. You can also follow them on social media, such as Facebook, Twitter, and Instagram, where they post regular updates and promotions.

A coupon is a code that you can enter when you apply for a LendingPoint loan to get a discount on your interest rate or origination fee. A voucher is a code that you can use after you have been approved for a LendingPoint loan to get a cash back or gift card reward. You can only use one coupon or voucher per loan application.

To use your vouchers or coupons from LendingPoint, you need to enter the code in the box labelled 'Do you have a voucher or coupon code?' on the application page and click 'Apply'. The discount or reward will be applied to your loan offer or account. Please note that some vouchers or coupons may have specific terms and conditions, such as expiry dates, minimum loan amounts, or exclusions. You can only use one voucher or coupon per loan application.

The interest rate for a LendingPoint loan ranges from 7.99% to 35.99%, depending on your creditworthiness, loan amount, loan term, and other factors. The interest rate is fixed, meaning it will not change over the life of the loan.

LendingPoint can offer a decision on your application within seconds. Once it has received and processed all of your supporting documentation, you may receive the funds within one business day. However, some applications may require more information or take longer to approve.

There are no fees to apply for a LendingPoint loan, and no prepayment penalties or charges for extra payments. However, depending on your state, an origination fee up to 10% may be included in your total loan amount. This fee is deducted from your loan proceeds at the time of borrowing.