TriPoint Lending Review: Is It A Scam Or A Legit Lender?

TriPoint Lending Review

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TriPoint Lending, a DBA of Alleviate Financial, LLC, is a California-licensed finance lender and marketing lead generator. On their website,, they advertise personal loans.


TriPoint Lending Logo

TriPoint Lending Summary

There has been an increase in popularity in recent months for TriPoint Lending. However, what is their purpose? We decided to do some research, which led us to give them a 2.5-rating stars.

Upon investigating their website and reading the fine print, we discovered some interesting information.

  • For first-time borrowers, TriPoint Lending offers an annual percentage rate (APR) of 5.49% (AA) to 30.00%.
  • A $10,000 loan is the minimum loan amount. There is a maximum loan amount of $100,000. 
  • You are not guaranteed to be eligible for credit, and you must meet other requirements to qualify.
  • TriPoint Lending or its third-party affiliates may contact you in the future by electronic mail, telephone, SMS, or other forms of media, both physical and electronic.
TriPoint Lending Mail Offer

What is TriPoint Lending?

Alleviate Financial, LLC operates as TriPoint Lending. In addition to offering financial relief to its clients, the company is a marketing lead generator and duly licensed California finance lender. It has four years of experience and is located at 4 Park Plaza, Suite 1400, Irvine, CA. You can reach them at (800) 307-1789.

TriPoint Lending is one of the top rated companies when it comes to lending. They have been accredited by the BBB since 2018 and have an average of 221 customer reviews on their BBB file. In the past three years, they have had a total of nine complaints filed against them.

How does TriPoint Lending work?

Your monthly payments will remain the same with TriPoint Lending’s fixed-interest rate loans. From their available options, choose the loan that meets your needs. Your funds can be deposited as soon as minutes after you apply. Applicants must meet credit and other requirements to be eligible.

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How much does TriPoint Lending cost?

First-time borrowers can get rates ranging from 5.49% APR to 30.00% APR with TriPoint Lending.

In addition, they offer a rate of 35.99% APR or lower to customers who come to them through paid advertisements on Google or Bing – and terms may vary between 61 days and 180 months. Your final rate will be determined by your credit score, the amount you borrow, the repayment term you select, and your credit history.

TriPoint Lending Reviews

With an A+ BBB rating, TriPoint Lending is a well-respected and accredited company. They have been accredited since 7/10/2018 and have received an average of 221 customer reviews. Over the last three years, they have closed nine complaints.

Here are some TriPoint Lending BBB Reviews:

Gimli3384 X 09/29/2022

From what I am seeing, this is a big a** scam. All the 5-star reviews look like robot responses. The mailer I got in the mail even says personal loan. If it were real, then I would have gone for it, but now there is no way I’m taking a risk like this with my credit.

Joseph W 09/29/2022

All 5 Star ratings must be from people that work for or know someone that works for Tri-point. I get letters in the mail almost monthly, with my pre-qualified amount getting larger every month. When I called in to speak to someone, I made it a point to tell them it was a loan that I would use to pay off other debt and use some for home improvements.

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Like others have said, they try and get you to agree to a debt consolidation loan which is not what they advertise in the letter they send out. when talking to “***,” he stated, “it only looks like a consolidation loan, but it was not.” I asked to speak to a supervisor, and the supervisor said the same when I told them I was not interested. The supervisor used a few choice words and told me that if I didn’t know what I wanted, I would quit wasting their time.

I wouldn’t recommend this company to anyone. Use the resources you have to find a better company to work with. I hope they get fined or sewed for false advertisement and try to take advantage of people in the hard times and act like they are better than the people they claim to help. Please do yourself a favor and find another company. there are plenty out there.

Aaron C 09/29/2022

********* is an awesome guy who handled everything precisely as you should, explained everything you needed to know, and made the process painless! Thank you ********

Christopher B 09/22/2022

I had a fantastic experience with TriPoint Lending. In particular, the Client Advocate, ******************, was outstanding and is honestly deserving of huge corporate advancement. ******* was well within all professional courtesies for all our scheduled appointments, was extremely knowledgeable and understanding, and explained and answered all my questions in detail.

It was apparent she had my best interest at heart! In the end, though, I decided to forgo the assistance that included a fully approved loan that ******* worked to put together and get approved. Still, ******* was right there to say she fully understood my decision (after all her hard work and time consumed) and wanted me to reach out to her if I needed any credit/debt assistance in the future. I will go nowhere else if I pursue assistance in the future. Thank you, TriPoint, for putting such a great advocate on your staff, and thank you, *******, for all your help. It made a huge and lasting impression on me!!

TriPoint Lending FAQs

TriPoint Lending Review: Is It A Scam Or A Legit Lender? 1

How to qualify for TriPoint Lending?

Their offer may be available to you if you meet specific credit and other requirements, including:

  1. Maintaining the eligibility criteria for this offer;
  2. Possessing a credit report and history that meets their established standards;
  3. Maintaining a debt-to-income ratio below 50% monthly;
  4. Being employed for at least one year.

There is no guarantee of eligibility.

Will Tripoint Lending Hurt My Credit?

Will Tripoint Lending hurt my credit? One thing to keep in mind when you are considering a personal loan is that lenders will usually conduct a hard inquiry into your credit history. Approximately five points may lower your credit score as a result of this.

Are there penalties for early payment of your loan?

Paying off your loan early has many benefits. You will not be charged any additional fees or penalties and will reduce the interest you owe. Any fees already paid, such as origination or processing fees, are non-refundable.

Does pre-approved mean that you are guaranteed approval?

Your loan application may be denied if TriPoint Lending determines that you no longer meet the criteria for creditworthiness after responding to its offer. You may experience this if your credit score has dropped recently. You will not be able to provide them with your income information until you apply for a loan, so if you are not able to make the monthly loan payments, your application may be rejected.

How to cancel TriPoint Lending?

Before you take out a personal loan, think carefully about whether it is the right decision for you. Once you have been approved for the loan, the money will be disbursed, and you will not be able to cancel the loan. Make sure you are certain that you want to proceed with the loan before you apply.

Is TriPoint Lending Legit?

Is Tripoint Lending Legit? Despite having an A+ rating from the Better Business Bureau, TriPoint Lending has mixed online reviews. Some people have had positive experiences with the company, while others have found them less than trustworthy.

According to our comprehensive research, TriPoint Lending appears to be a legitimate company. Please note, however, that before making a decision, it is recommended that you read customer reviews and conduct your research.

Have you worked with in the past? We would love to hear about your experience! Feel free to leave a review in the comments below.

Thank you for reading. We hope this review was helpful.

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