TriPoint Lending Review

TriPoint Lending Review: Is it Legit?

TriPoint Lending is a California-based company that provides clients with personal loans and related services. The company prides itself on offering simple online loans with fast funding to meet customers’ needs in a rapidly evolving financial landscape.

However, like with any financial institution, experiences with TriPoint Lending can vary. It enjoys an A+ rating from the Better Business Bureau, reflecting its commitment to customer service and transparency. Yet, some customers have voiced concerns and negative experiences, indicating that a comprehensive review is necessary.

This article will delve deeper into who TriPoint Lending is, what services it offers, and its commitment to customer service. We will also review feedback and ratings from various platforms, including the Better Business Bureau and Google Reviews. Furthermore, we will explore the company’s success rate and discuss the pros and cons of choosing TriPoint Lending for your financial needs.

By the end of this review, you will have a thorough understanding of TriPoint Lending and be better equipped to make informed decisions regarding your financial future. So, let’s get started!

Who are TriPoint Lending?

TriPoint Lending is a trusted partner in the financial services industry, established in 2017.

The company is situated in Irvine, CA, and offers a variety of financial services to its clients.


TriPoint Lending is located in the state of California in the United States. Their main office is based in Irvine, notably one of the tech hubs and vibrant cities of the Golden State.

Offered Services

TriPoint Lending offers various financial services to cater to their customer’s needs. They strive to provide quick and convenient solutions to manage unexpected expenses.

Their services include:

  1. Online Loans: TriPoint Lending offers easy access to online loans with fast funding. This service aims to provide a quick financial solution for unexpected life expenses.
  2. Financial Services: Aside from loans, TriPoint Lending provides other financial services. Details about these additional services were not readily available.
  3. Credit Checks: To ensure the accountability of borrowers, TriPoint Lending may perform credit checks as part of their loan approval process.
  4. Debt Relief and Debt Consolidation: For individuals who do not qualify for a loan, TriPoint Lending offers other services such as debt relief or debt consolidation
The Ultimate Guide to Debt Consolidation Loans

However, it is important to note that their services are unavailable in all states. Please check their official website or contact them directly to determine if their services are available in your location.

Secretary of State Information

TriPoint Lending operates as a duly licensed Finance Lender within California. As per the information available, it is registered with the California Secretary of State, as required by law for operating within the state.

TriPoint Lending - Secretary of State information

Licenses and Accreditations

TriPoint Lending is a duly licensed Finance Lender in the state of California. They have been BBB accredited since 7/10/2018, showing their commitment to providing their customers with legitimate and ethical financial solutions.

Please note that while this information is accurate per our research, other licenses and accreditations may not be mentioned here. Contact TriPoint Lending directly or visit their official website for the most up-to-date and comprehensive information.

It’s also worth mentioning that being a licensed and accredited lender indicates that TriPoint Lending adheres to a strict code of ethics and operational standards as required by the relevant regulatory bodies. This gives customers peace of mind, knowing they are dealing with a legitimate and trustworthy financial services provider.

Please note that licenses and accreditations can vary by state and country, and ensuring the lender is authorized to operate in your location is important.

Offer Mail Example

Here’s an example of the offer mail sent by TriPoint Lending:

TriPoint Lending - Mail - Front
TriPoint Lending - Mail - Back

Please note:

  • The details provided in these mails can vary greatly based on individual financial circumstances and creditworthiness.
  • Receiving an offer mail does not guarantee loan approval; prospective borrowers must still go through the application and approval process.

Always thoroughly review all loan offers and consult a financial advisor or trusted professional if you have any questions or concerns before proceeding with any loan application.

Official Website

TriPoint Lending is the official website of the company. It is designed for users seeking information about the company’s services and those wanting to apply for loans.

TriPoint Lending - Official website

Notable Features:

  • Their website offers detailed information about the company’s loan services.
  • They offer loans varying from $5,000 to $100,000 with APRs between 5.99% and 35.99%.

User Experience:

  • The website is user-friendly with a clean interface. It is easy to navigate, enabling users to find information quickly.

Company Profile:

  • According to information on the website, TriPoint Lending has a company size of 51-200 employees.

Please note that verifying the information and reading the terms and conditions is always important before taking action.

LinkedIn Profile

TriPoint Lending is active on LinkedIn, with more than 1344 followers keeping up with their updates. They use this platform to share their vision and activities about helping clients with financial decisions.

TriPoint Lending - LinkedIn profile

Here’s a summary of what you can find on their LinkedIn profile:

  • Company Description: TriPoint Lending provides financial services on debt relief and personal loans. They are committed to delivering fast financial results to meet the expectations of modern consumers.
  • Number of Followers: The company has amassed a respectable following of 1344 LinkedIn users.
  • Employee Profiles: Several team members of TriPoint Lending have their profiles listed on LinkedIn.

The LinkedIn profiles of these team members provide more insight into the company’s operations and the expertise of its staff.

Remember to follow TriPoint Lending on LinkedIn to stay updated with their latest activities and offerings.

Commitment to Customer Service and Success

TriPoint Lending is strongly committed to delivering excellent customer service and ensuring customer success. As a testament to their dedication, they have earned an A+ rating from the Better Business Bureau (BBB).

Here are a few highlights of TriPoint Lending’s customer service and success commitment:

  • Positive Customer Reviews: Numerous customers have expressed their satisfaction with the company’s customer service. One customer review states, “Very satisfied with the customer service and they got me pointed in the right direction“.
  • BBB Accreditation: TriPoint Lending takes pride in its A+ BBB accreditation, which it prominently displays on its website, further emphasizing its commitment to customer service and success.

However, it’s important to note that there have been a few instances of dissatisfaction among customers. Some customers have complained about product/service problems.

Overall, while TriPoint Lending shows a strong commitment to customer service, it’s a good practice for potential customers to do their own research and ensure the company’s services align with their individual needs and expectations.

Better Business Bureau (BBB) Rating

TriPoint Lending has been accredited by the Better Business Bureau (BBB) since July 10, 2018, and holds an A+ rating. This high rating indicates that the company has successfully resolved customer complaints and feedback.

TriPoint Lending - BBB rating

Customer Feedbacks

However, it is essential to consider that while the company holds an A+ BBB rating, it also has a mix of positive and negative customer reviews, giving it a 3.76 out of 5 customer rating score. Here are a couple of feedback examples from the BBB website:

  1. Positive Feedback: “Great leadership. Wonderful culture. Good Work/life balance. Beautiful accommodations/location. Long hours but worth the effort.”
  2. Negative Feedback: “This company is a total scam. They asked me to provide my full social security number over the phone, which is not a safe or reputable practice.”

Always research thoroughly and understand the terms before getting involved with any lending company.

Trustpilot Rating

After thorough research, we couldn’t find a clear and specific profile of TriPoint Lending on Trustpilot. This made it challenging to provide a comprehensive overview of the ratings and customer feedback for the company on this platform.

Google Reviews Rating

TriPoint Lending has received mixed reviews on Google Reviews.

TriPoint Lending - Google Reviews rating

Average Rating:

The company has an average rating of 4.3 out of 5, indicating that most customers have had positive experiences.

However, we noticed a discrepancy in ratings across different platforms. For instance, on BBB, the company has a rating of 3.76 out of 5, providing a more varied perspective on the customer experience.

Positive Feedback:

  • Many customers have rated TriPoint Lending highly for their lending services.
  • The company’s high average rating suggests that most customers are satisfied with their experiences.

Negative Feedback:

  • Some customers have complained about TriPoint Lending’s business practices, labeling them a ‘scam’.
  • Complaints have been made about unwanted phone calls and bait-and-switch offers.
  • Certain customers have been critical that they were asked to provide their full social security number over the phone, which they felt was not a safe or reputable practice.

Please note that these reviews and feedback are based on individual experiences, and your experience may differ. Always ensure to do your due diligence before making any financial decisions.

Best Company Rating

Unfortunately, no specific information about TriPoint Lending on Best Company is available. However, from general online feedback, the company has mixed reviews.

On various platforms, TriPoint Lending has an overall rating of 2.9 out of 5 based on over 20 anonymous reviews. Some employees highlight the potential for good commission as a positive aspect of the company. However, there are also numerous complaints about the company’s services, causing financial hardship for borrowers who were not adequately prepared for changes.

As always, it’s recommended for potential clients to fully research and consider all aspects of a financial service before committing.

Success Rate of TriPoint Lending

It’s challenging to ascertain a specific success rate for TriPoint Lending as there’s no clear statistic available. However, by piecing together different pieces of information, we can infer some level of success.

TriPoint Lending offers loans up to $35,000 with interest rates ranging from 12 – 36%. This is an indication of the scope of their lending operations. They also have a high compensation plan and commission rate, suggesting a possibly profitable business model.

On the customer review side, the picture gets a bit complex. TriPoint Lending has an A+ rating from the Better Business Bureau. However, they only have a 2.9 out of 5 rating based on over 20 anonymous reviews on Glassdoor. Some customers have complained about unwanted phone calls and bait-and-switch offers.

Please note that these are inferences and not definitive statements of success. Comprehensive customer reviews and ratings would be helpful for a more accurate picture of the company’s success.

Pros and Cons of TriPoint Lending


  • TriPoint Lending has received an A+ rating from the Better Business Bureau (BBB).
  • Provides access to simple online loans with fast funding.


  • There have been complaints about unwanted phone calls and bait-and-switch offers.
  • Some customers reported that the company asked for full social security numbers over the phone, which is considered unsafe.

Note: Please verify these pros and cons from the linked sources and always consider multiple reviews before deciding.

Alternatives to TriPoint Lending

Based on my personal experience, the best alternative for any loan is a personal emergency fund. Here’s how you built it with no effort (check the autopilot section):

Emergency Fund - A Comprehensive Guide for Financial Planning

There are several alternatives to TriPoint Lending for those seeking different financial solutions. Here are a few:

  1. Nation Point Lending: Offers mortgage loans and refinancing services.
  2. Serendipity Lending: Provides lending, loan, and financial services.
  3. Finimagen: A financial services company.
  4. Modern Lending: A provider of financial services.
  5. Pacific Debt Relief: Offers debt relief and consolidation services.
  6. Alleviate Financial Solutions: A financial services company.
  7. Alleviate Tax: Offers tax-related financial services.
  8. Americor: A financial services provider.
  9. Priority Plus Financial: A financial services company.
  10. Achieve: A financial services provider.
  11. Beyond Finance: Offers financial services.
  12. National Debt Relief: Provides debt relief services.

Additionally, I would recommend to check out my list of debt consolidation companies (I used 2 of them):

The Ultimate Guide to Debt Consolidation Loans

While these are viable alternatives, they may not suit everyone. It’s important to carefully research and consider your options before deciding. For more information on these alternatives, visit their websites or consult a financial advisor.


Is TriPoint a legitimate lending company?

TriPoint Lending is an official legal entity recognized by a Better Business Bureau accreditation and an A+ rating. However, customer reviews highlight positive and negative experiences, suggesting potential customers must exercise caution when engaging with this company.

What credit score is needed for TriPoint Lending?

TriPoint Lending does not have a specific minimum credit score requirement. However, it’s important to note that approval for scores 640 or higher is available. A good credit score and history can increase your chances of getting a loan. Remember that each individual’s approval may vary based on their unique financial situation.

Can I get a personal loan with a 550 credit score?

Obtaining a personal loan with a credit score of 550 can be challenging, but it’s not impossible. Some lenders are willing to work with borrowers with have credit scores of 550, albeit possibly at higher interest rates. Engaging a co-borrower could be a viable strategy to secure a loan under these circumstances.


In conclusion, TriPoint Lending is an official legal entity with a physical location and a range of services offered to its clients. The company is registered according to the Secretary of State’s information and has the necessary licenses and accreditations.

Based on the feedback from platforms such as Better Business Bureau and Google Reviews, former customers highlight positive and negative experiences, suggesting potential customers must exercise caution when engaging with this company.

However, like any company, it has its pros and cons, which are important to consider when deciding on a lending company. It’s advisable to compare TriPoint Lending’s offer with alternatives before making a final choice.

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