LendingPoint vs Personify Financial


Feature	LendingPoint LendingPoint, LLC	Personify Financial Applied Data Finance, LLC d/b/a Personify Financial
Rating	4.1	3.9
Loan Type	personal	installment
APR Range	7.99% - 35.99%	36% - 179.5%
Loan Amount	$1,000 - $36,500	$500 - $15,000
Term Length	24 - 72 months	12 - 48 months
Pros	Longer maximum term (up to 72 months) Same-day or next-day funding No prepayment penalty Soft credit pull for rate check	Looks beyond your credit score at income and banking history No application fee, and no penalty for paying off a loan early Funds available as soon as the next business day after you sign Reports payment history to the credit bureaus, plus monthly FICO Score access at no added cost
Cons	Origination fee up to 10% deducted from loan proceeds Not available in 9 states and DC Longer terms mean more interest paid over time	APRs run up to 179.50%, at the top of the range for any installment lender Origination fee of up to 5.99% is added to the balance on most loans, so you pay interest on it too Only active in 27 states — many of the largest states aren't on the list Uses a bank-partner structure that consumer advocates and at least one lawsuit have challenged
Requirements	At least 18 years old Credit score typically 640 or higher (no published hard minimum) Verifiable annual income of $35,000+ Active US bank account	At least 18 years old Valid, active checking account Verifiable income Valid email address and government-issued ID for identity verification
	Review	Review

Compare Different Products Apply Now We're paid by lending networks for loan requests submitted through our form.