Unsecured Loans
A clearer way to borrow the money you actually need.
Prime Lending Point looks at more than a three-digit score. Apply in minutes with no impact to your credit, then decide — no pressure, no obligation.
The process
Three steps. No runaround.
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See your options
Answer a few questions and view real rates with a soft credit check that never affects your score.
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Pick your terms
Choose the amount, term, and monthly payment that fits your budget, then confirm your details.
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Get funded
Once approved, funds can be deposited directly to your account as soon as the next business day.
Built for real life
Whatever it's for, we've probably funded it before.
Debt Consolidation
Roll credit cards into one fixed payment.
Medical & Dental
Cover a bill without draining savings.
Home Improvement
Fund the renovation you've been planning.
Unexpected Expense
Handle a surprise cost on your terms.
Wedding
Pay for the big day without maxing out cards.
Vacation
Book the trip and pay it off on a schedule.
Quick answers
Before you ask
Prime Lending Point is a technology-driven unsecured loan company. We combine a broader view of your finances with a fast, transparent application so more people can get a clear answer, not just a canned rejection.
No. Seeing your personalized rate options uses a soft credit check, which never affects your score. A hard inquiry only happens later, and only if you choose to move forward with a specific loan offer — we'll always tell you before that happens.
There's no single cutoff. Our underwriting looks at more than a FICO number, so applicants with limited or imperfect credit histories are still encouraged to check their options — there's no cost or obligation to look.
Ready to apply?
The application takes about two minutes and never affects your credit score.