Tripoint Lending Reviews

Sarah Edwards | January 14, 2026

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Edwards is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Tripoint Lending has great online reviews with Google and the BBB. The company known for sending letters in the mail advertising pre-approval for personal loans at low interest rates. However, Tripoint Lending isn’t an actual bank; it’s a brokerage. SoloSuit explains what you need to know about Tripoint Lending.

In the world of personal finance, there’s never a dull moment. There’s always a new strategy for encouraging people to borrow money, whether through payday loans, buy now, pay later “deals,” or seemingly innocuous debt consolidation loans with high interest rates.

Tripoint Lending offers a twist on personal credit through its position as a loan brokerage. The company regularly sends special pre-qualified financing letters to selected consumers, advertising sizable loans at low interest rates. However, people who take Tripoint Lending up on its offer don’t always get what they apply for.

Is a collection agency chasing you for a loan you obtained with help from Tripoint Lending? Use SoloSuit’s Debt Validation Letter to ask the agency to validate the debt.

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Tripoint Lending personal loans reviews are overwhelmingly positive

Google reviews gives Tripoint Lending | Personal Loans an average of 4.3 out of 5 stars, based on hundreds of customer reviews. Take a look at some real customer reviews of Tripoint below:

Tripoint Lending BBB reviews are great too

Tripoint Lending has good BBB reviews, with an average customer rating of 3.93 out of 5 stars, Tripoint Lending’s Better Business Bureau accreditation and rating of A+ outperform most lenders on the BBB platform. Tripoint Lending is proud of its BBB ratings and displays its score on the company website.

On the other hand, BBB complaints about Tripoint Lending relate to unwanted phone calls and bait-and-switch offers. One customer received a pre-qualified offer through the mail and decided to apply for the loan. When he called and applied, he didn’t get a loan; instead, he received an offer for debt consolidation. He didn’t realize the loan was a debt consolidation offer until almost the end of the process.

Let’s consider an example.

Example: Hank receives an advertisement in the mail from Tripoint Lending. The ad says Hank is pre-qualified for a $20,000 loan at 5.99%. Hank’s a little surprised since he knows his credit score is hovering around 550. He decides to apply since he could use the loan to buy a new car. After calling Tripoint Lending, Hank doesn’t qualify for the loan. However, Tripoint says it has a partner who could settle his debts, giving him more discretionary income. Hank knows that debt settlement could harm his credit, and he’s steadily paying his bills. He refuses the offer and ends the call. Tripoint Lending continues to call him several times a week, to his annoyance.


It’s important to note that once you hand over your contact information to Tripoint Lending, you agree to accept marketing calls from the company. You’ll need to explicitly revoke your consent to stop receiving these calls. You should also consider signing up for the National Do Not Call Registry to control sales calls.

How does Tripoint Lending work?

As a loan brokerage, Tripoint Lending doesn’t offer loans. Instead, it partners with various banks and other lenders, connecting them with consumers interested in obtaining credit.

Tripoint Lending acts as an intermediary. It handles the loan advertising and application process, but once the applicant accepts a loan or other deal, Tripoint Lending is no longer in the equation. Instead, the consumer becomes the customer of the lending partner or other entity.

Many consumers learn about Tripoint Lending from direct mailings. These direct mail offers advertise large loans at low rates, such as $20,000 at 5.99% APR. If the consumer decides to apply for the loan, Tripoint helps them complete an application, which it submits to its partners.

Once Tripoint Lending’s partners review the application, they’ll decide whether to extend credit according to the original terms or introduce new terms, like a lower credit line at a higher interest rate. In some cases, the consumer doesn’t receive any credit at all.

Tripoint Lending’s website says loans vary from $5,000 to $100,000, with APRs between 5.99% and 35.99%. To qualify for a loan, consumers must meet the following conditions:

  • Continue to meet the criteria for Tripoint’s pre-screened offer.
  • Have a credit report, credit history, and application that meets Tripoint’s pre-established credit criteria.
  • Have a monthly debt-to-income ratio of less than 50%.
  • Maintain current employment for at least one year.

People who don’t qualify for a loan may be offered other services, like debt relief or debt consolidation — which isn’t what they were calling about.

Be wary of applying for credit you don’t need

One of the reasons debt brokerages like Tripoint Lending are so successful is that they tap into the natural desire to have things. After all, who wouldn’t want an extra $20,000 to buy a car or remodel their kitchen?

However, it’s critical to maintain an objective outlook when it comes to your finances. Don’t apply for credit you don’t need, especially from an unfamiliar company. Instead, look for reputable loans from institutions you trust, like your bank or credit union.

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