FAQ
Frequently asked questions
Everything we get asked most, answered plainly. Can't find it here? Chat with us using the button in the corner, or reach out on the contact page.
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.
Loan amounts, APRs, and terms vary by state and by applicant. Every offer shows your exact rate, monthly payment, and total cost before you accept anything — no surprise fees buried in fine print.
Most applicants get a decision within minutes of finishing their application. If approved, funds are typically deposited by direct deposit as soon as the next business day.
No. You can pay extra or pay off your loan in full at any time with no prepayment penalty — doing so simply reduces the total interest you pay.
You can set up autopay, pay manually through your account, or mail a payment. Autopay is the easiest way to stay on schedule and avoid a missed due date.
Yes. We use bank-grade encryption and industry-standard safeguards to protect your data, and we never sell your personal information to third-party marketers.