If you’re in need of a personal loan, TriPoint Lending may be a company worth considering. But is TriPoint Lending legit? Or is it a scam? In this TriPoint Lending review, we’ll take a look at the company and help you decide if it’s the right choice for you. TriPoint Lending is one of many companies that offer personal loans, but not all companies are created equal. So, let’s take a closer look at TriPoint to see if it’s the right fit for your needs.

TriPoint Lending is a company that offers personal loans. They are based in the United States and have been in business since 2006. TriPoint is a member of the Better Business Bureau (BBB) and has an A+ rating with them. TriPoint Lending is also a member of the National Association of Personal Financial Advisors (NAPFA).

TriPoint offers personal loans for a variety of purposes, including debt consolidation, home improvement projects, medical expenses, and more. TriPoint Lending offers loans in amounts from $7,500 to $35,000. TriPoint Lending also offers a variety of repayment options, including monthly or bi-weekly payments, and you can choose the length of your loan term from 24 to 60 months.

One thing to keep in mind with personal loans is that they are not for everyone. Personal loans can be a great way to consolidate debt or pay for a large purchase, but they also come with risks. Before taking out a personal loan, make sure you understand the terms and conditions and are comfortable with the payments.

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TriPoint Lending Pros and Cons

As with any personal loan, there are both pros and cons to taking out a loan with TriPoint. However, based on numerous customer complaints, it seems that there are more cons to using this particular lending company.

TriPoint gets a lot of bad reviews because of hidden fees, high interest rates, and bad customer service. Borrowers have also reported being misled about the terms of their loans, which has led to even more financial hardship down the road.

If you’re considering taking out a personal loan with TriPoint Lending, be sure to do your research first and read as many reviews as possible. You may want to consider other options before making a final decision.

What is TriPoint lending?

TriPoint lending is a personal loan provider that offers loans to consumers with good or bad credit. The company was founded in 2014 and is based in San Francisco, CA. Loans can be used for a variety of purposes, including debt consolidation, home improvement projects, medical bills, and more.

To qualify for a loan with TriPoint lending, you must have a minimum annual income of $24,000 and be a U.S. citizen or permanent resident alien. You must also have a valid email address and Social Security number. If you meet these qualifications, you can apply for a loan online in just minutes.

Once you’ve been approved for a loan, TriPoint Lending will deposit the funds into your bank account as soon as the next business day. You can then use the money for whatever you need. When it comes time to repay your loan, TriPoint Lending will automatically deduct the payments from your bank account on a monthly basis.

How does TriPoint Lending work?

TriPoint Lending is a personal loan company that offers bait-and-switch rates to potential customers. The company will advertise low rates and then switch the rate to a higher one once the customer applies for the loan.

This practice is known as “loan flipping.” TriPoint Lending has been accused of scamming customers by using this bait-and-switch tactic. If you’re considering taking out a personal loan from TriPoint Lending, be aware of their Loan Flipping Scam.

Watch out for bait-and-switch personal loan offers, and only work with trustworthy lenders.

What credit report does TriPoint Lending use?

TriPoint Lending personal loans are based on the information in your credit report. The most important factor in your credit score is your payment history – whether you’ve paid your bills on time. Other factors include the amount of debt you have, the length of your credit history, and the types of credit you have.

If you’re not sure what’s in your credit report, you can get a free copy of it from each of the three major credit reporting agencies – Experian, Equifax, and TransUnion. You can also get a free copy of your credit score from each agency.

Personal loan offers from TriPoint Lending may vary depending on which credit report they use to assess your application. However, if you have a good credit score and a strong credit history, you’re likely to get a personal loan with a competitive interest rate.

What credit report does TriPoint Lending pull?

When you apply for a loan from TriPoint Lending, the company will pull your personal credit report from one of the three major credit bureaus: Experian, Equifax, or TransUnion. They will then use this information to help them decide whether or not to approve your loan application.

If you have good or excellent credit, you should have no problem getting approved for a loan from TriPoint Lending. However, if your credit score is on the lower end, you may still be able to get a loan, but you may have to pay a higher interest rate.

If you’re not sure what your credit score is, you can check it for free on sites like Credit Karma or And if you’re looking to improve your credit score before applying for a loan, there are a few things you can do, such as paying your bills on time and keeping your credit card balances low.

How does TriPoint Lending affect your credit?

If you’re considering taking out a personal loan with TriPoint Lending, it’s important to understand how this could affect your credit. First and foremost, when you apply for any kind of loan – whether it’s a personal loan, a car loan, or a mortgage – the lender will almost always do a hard pull on your credit report. This means that they’ll take a close look at your credit history in order to determine whether or not you’re a good candidate for their loan.

While this hard pull will temporarily lower your credit score, it’s important to remember that it’s only temporary. Once you’ve been approved for the loan and have begun making payments on time, your credit score will begin to rebound. In fact, personal loans can actually be a great way to improve your credit score in the long run – as long as you make your payments on time and in full.

Should you trust Tripoint Lending mail offer?

If you’ve received a direct mail offer from Tripoint Lending, you may be wondering if it’s a good deal. The offer usually includes a “personalized reservation code” and low-interest rates (usually around 4 to 5 percent) in order to consolidate high-interest credit card debt.

However, these rates are only available for a very limited time, and once you apply for the loan, you’re likely to be approved for a much higher rate. So while the initial offer may seem appealing, it’s important to do your research before making any decisions.

If you’re considering a personal loan, be sure to compare rates from multiple lenders to make sure you’re getting the best deal possible. And remember, always read the fine print before signing any loan agreement.

Tripoint Lending BBB Reviews

TriPoint Lending has had eight complaints closed in the last three years, with two of those complaints closed in the last twelve months. According to the Better Business Bureau, “Most personal loan companies are legitimate and follow best practices. However, some personal loan lenders may take advantage of consumers.”

If you’re considering taking out a personal loan, be sure to research the lender thoroughly before you commit. Tripoint Lending is accredited by the Better Business Bureau (BBB). They have an A+ rating with the BBB and they are rated four stars by Trustpilot.

Here are some TriPoint BBB complaints

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Is Tripoint Lending legit?

That’s a question we hear a lot, and unfortunately, we can’t give you a definitive answer. What we can do is tell you what other people have said about their experiences with the company.

People report feeling like they were bait and switch – that the company promised one thing, but then delivered something else entirely. Negative reviews also mention customer service being unresponsive and difficult to work with.

So, what does all this mean? Well, it’s hard to say for sure. We would recommend doing your own research before working with Tripoint Lending, and perhaps looking into some other companies as well. There are plenty of options out there, and you deserve to work with a company that you can trust.

Have you had any experience with Tripoint Lending? We’d love to hear about it in the comments!


Benjamin is a technology enthusiast. He formerly consulted and handled communications for multiple tech startups.  Now he works with the Xtrapoint Digital Network as a full-time journalist and is given the freedom to explore finance, history, and the arts.

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