TriPoint Lending Review: Watch Out for This Bait & Switch
TriPoint Lending isn't available on Finder right now.
- Max. Loan Amount
- $100,000
- APR
- 5.99% to 35.99%
- Min. credit score
Our verdict
Applying with TriPoint may get you a loan offer, but you’ll more likely be steered toward debt settlement.
TriPoint Lending claims to be a broker that deals in loans, debt consolidation and “meaningful solutions … to overcome debt.” That’s about as close as it comes to hinting at debt settlement services, which seems to be its main product based on numerous reviews. If you receive a loan offer through TriPoint, amounts range from $1,000 to $100,000, and rates are between 5.99% and 35.99%. But it has a lot of negative reviews that say it's not transparent about its services.
Best for: People who can’t make their debt payments and want to enroll in a debt settlement program rather than file for bankruptcy.
Pros
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Loans up to $100,000
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Rates start at 5.99%
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Fast funding possible
Cons
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Not transparent about its services
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May not connect borrowers with personal loans
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May charge high fees
Is TriPoint Lending legit?
TriPoint Lending is a real company, but it appears to primarily target people with high-interest debt and low credit scores. In other words, people who may not qualify for personal loans. It sends out mailers that say you’re prequalified or “pre-selected” for a loan at a competitive rate. When people respond, they’re often offered a debt settlement program, not a loan.
So while you may be able to get a personal loan with this company, it’s more likely that it’ll push debt settlement instead. If that is something you’re interested in — typically only if you’re on the brink of bankruptcy — you might as well go with a company like Accredited Debt Relief or Freedom Debt Relief, which are up front about what they do.
How TriPoint Lending compares to other lenders
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Where TriPoint falls short
It’s difficult to trust a company that doesn’t mention one of its primary services on its website. It appears to be trying to appeal to consumers in vulnerable financial situations, and it feels like a trick.
If you’re in a situation where you need a fast loan and your credit isn’t the best, consider these lenders that offer installment loans to borrowers with poor credit. Another alternative, if you only need a small loan, is to try a cash advance app. Some are practically free.
What makes TriPoint Lending shine?
TriPoint seems to have some legit partner lenders, such as Best Egg and Lightstream, which are good options for borrowers with good credit. It also lists Upstart and OneMain Financial, which both have more lenient requirements to qualify.
But why go through TriPoint and risk getting a ton of spam when you can just apply to one of these lenders directly?
TriPoint Lending loan details
| Minimum credit score/credit range | State advertised minimum and/or include our best guess based on research |
| APR | 5.99% to 35.99% |
| Loan amount | $1,000 to $100,000 |
| Terms | Up to 7 years |
| Approval turnaround | 24 to 48 hours |
| Availability | Varies by lender/May not be available in all states |
| Fees | Varies by lender, but may include:
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TriPoint Lending contact info
| Phone number | 800-307-1789 |
| Customer service hours | Not listed |
| support@tplend.com | |
| X, formerly Twitter | @tplending |
| TriPoint Lending |
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How to qualify for TriPoint Lending
TriPoint doesn’t list its requirements to qualify for loans, but here’s the basic criteria most lenders look for.
- At least 18 and a US resident
- Valid, active checking account
- A job or other source of income
- Valid Social Security number
How to apply
If you choose to roll the dice and try to get a loan through TriPoint Lending, this is how to apply:
- Fill out the online application or call and apply with a customer service representative.
- Find out if you prequalify and review loan options and rates.
- Choose a loan and formally apply with a hard credit check.
- Sign the loan agreement and receive funds within 24 to 48 hours, if approved.
Keep in mind that after you apply, there is a good chance you will be denied a loan and instead encouraged to join a debt settlement program. If you decide to proceed with that course of action, be sure to read the agreement carefully so you’re aware of what you’re getting into. Don’t rely on a representative to disclose the full details.
TriPoint Lending reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 3.9 out of 5 stars, based on 233 customer reviews |
| Trustpilot Score | 2.9 out of 5 stars, based on 2 customer reviews. |
| Customer reviews verified as of | 18 June 2025 |
It’s odd that TriPoint has a 2.9-star rating on Trustpilot because it only has two one-star reviews. Both reviewers assert that the company isn’t a lender.
TriPoint Lending does a little better on the Better Business Bureau (BBB) with 3.9 stars, but the positive reviews only seem to address its debt settlement program, not loans. Most of the negative reviews claim false advertising, bait-and-switch tactics and excessive solicitation.
What do people on Reddit say?
Frequently asked questions
How do I opt out of TriPoint Lending?
You can opt out of TriPoint’s services by texting “STOP” to 800-307-1789, according to its privacy policy. However, you may also want to call to be sure it removes you from any mailing or calling lists as well. Many reviewers have complained of constant solicitations.
Does TriPoint Lending hurt your credit?
It might. Part of joining a debt settlement program requires you to stop paying your debts, resulting in a huge impact on your score. Plus, if you apply for a loan, it requires a hard credit check, which can also lower your score.
Your reviews
Lacey Finder
Writer
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