About Us

LendingPoint’s Goal

Create frictionless access to money when and where our customers need or want it, so everyone has the opportunity to explore what’s possible.

We Believe Everyone Deserves


To credit at the moments that matter most.


Personalized solutions to meet unique needs.


Innovative products backed by best-in-class customer service.

The LendingPoint Story

It All Started with a Question – How to Provide Access to Fair Credit to Those Who Need It Most?

The FICO-based model of evaluating credit worthiness was broken, leaving behind thousands of deserving consumers. If the FICO model said some consumers were likely to default, LendingPoint wanted to find the other individuals that were deserving of an offer of credit.

Using AI and data models, LendingPoint figured out how to say “YES” to more people.
More customers made LendingPoint’s AI smarter, driving even better models and algorithms. Merchants, Entrepreneurs, and Marketplaces began to embrace our technology to create more possibilities for their customers.

The Way Forward

Through our merchant base growth, e-commerce platform integrations, and commercial finance product development, LendingPoint is expanding our “buy now, pay later” business by introducing “qualify today, buy anywhere” technology. LendingPoint’s on-demand money product and engaging mobile experiences will provide more flexibility and point of sale opportunities for consumers at any point in their journey.

2015 → 2018

Proprietary algorithms using big data and AI create new, equitable credit models.

FinTech Lender

2018 → 2020

The model evolved to include e-commerce and Point of Sale, opening our products to the entire credit spectrum.


2021 → FORWARD

Frictionless commerce. Digital delivery. Expanded delivery platform. Money on demand ecosystem built for growth and value.

Money on

Leadership team

Tom Burnside

Tom Burnside

Chief Executive Officer

Tom Burnside

Franck Fatras

President – DTC

Tom Burnside

Houman Motaharian

President – POS and eComm

Tom Burnside

Rick Anthony

Chief Operating Officer

Tom Burnside

Kathy Daly

Chief Marketing Officer

Tom Burnside

KN Kasibhatla

Chief Technology Officer

Tom Burnside

Mark Lorimer

Chief Business Affairs and Legal Officer

Tom Burnside

Christy Mahon

Chief People Officer

Tom Burnside

Greg McLaughlin

General Counsel and Secretary

Tom Burnside

Victor J. Pacheco

Chief Capital Officer

Tom Burnside

Jay Putnam

Chief Financial Officer

Tom Burnside

Juan E. Tavares

Chief Strategy Officer

Tom Burnside

Ashish Gupta

Chief Risk Officer

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LendingPoint is an Atlanta-based lender and servicer, redefining who can access money at fair rates.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, member FDIC; 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 from 0% to 6% 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 $2,000 to $36,500, at rates ranging from 9.99% to 35.99% APR, with terms from 24 to 60 months. Georgia loans have a minimum $3,500 loan amount. For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 23.72% and origination fee of 6% will have a payment of $324.48 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. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

1. Alimony, child support, or separate maintenance income need not to be revealed if you do not wish to have it considered as a basis for repaying this obligation.

2. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning FinWise Bank is the FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106. The federal agency that administers compliance with this law for LendingPoint is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Click here to see our current list of state licenses

LendingPoint's NMLS #1424139 Visit NMLS Consumer Access