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Patient FAQ

Who is LendingPoint?

LendingPoint is an online loan provider that uses data and technology to redefine who can access money and empower those working to build their financial potential. Invisalign™ has partnered with LendingPoint to offer patients simple and quick financing
options for their Invisalign™ treatment.

What is the virtual card?

The virtual card is a fixed-rate installment loan offered through LendingPoint Patient Financing. The application process is simple and gives instant credit decisions so you can visit your dentist with financing in hand!

Does applying impact my credit score?

Starting an application to see the loan offers you could pre-qualify for does not impact your credit score. Once you select a loan offer and continue your application, LendingPoint will make a “hard” credit inquiry that will show on your credit file before
final approval.

Am I able to add a co-signer to my loan application?

No, co-signers cannot be added to loan applications.

What is the max virtual card loan amount?

LendingPoint loan amounts go up to $10,000 for those who qualify.

How do I use the virtual card?

Once your loan is approved and the funds are applied to your virtual card, you will present your card information to your dentist to pay for your treatment. The card is processed as a credit card payment.

Can I use my loan to pay for full or partial treatment cost?

Use your loan to cover as much of your treatment as you want. The minimum loan amount is $500.

Can I use the virtual card to pay for treatments within my Invisalign™ treatment plan, like teeth whitening or restorative work?

Yes, your virtual card can be used to pay for your entire treatment plan. Because the VC can only be used once, please work with your preferred provider to develop a comprehensive treatment plan that included all known costs at the time of payment.

How do I know if my provider accepts virtual cards?

If your provider accepts Mastercard, they will be able to take your virtual card. They are not required to have a relationship with LendingPoint.

Can I use the virtual card outside of my Invisalign™ provider’s office?

The use of your virtual card is limited to Invisalign™ certified practices.

Can I use the virtual card multiple times?

The virtual card can only be used one time, so any additional dental expenses must be paid at the same time as the Invisalign™ treatment.

How long is the virtual card valid?

You have 45 days to use your card once funds are available. The expiration date is listed on the card details page. If you do not use your virtual card and it expires, you’re welcome to reapply.

Why is the ZIP code on the virtual card different than my address Zip code?

The zip code on the virtual card corresponds with LendingPoint and not your billing address. If required, use the zip code provided on the virtual card when paying for services.

When is my first payment due?

Once your card is used, your first payment is typically due 30 days later. LendingPoint will email your loan and payment information to you.

Who can I contact with questions about my loan?

You can contact LendingPoint Customer Support at 1-844-445-1651 or email info@lendingpoint.com.

My device has lost network connectivity, do I have to start over?

No, you can pick up where you left off within your My Invisalign™ app


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USA PATRIOT Act Notice: Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

* Applications submitted may be funded by one of several lenders including First Electronics Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $1,500. Upon final underwriting approval to fund a loan, said funds are often available the next non-holiday business day. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary. Loans are offered from $500 to $10,000 (loan amount maximum based on MCC codes), at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 48 months. For example, for a well-qualified customer, a $5,000 purchase will have a 90-day promotional period with no interest, a 3% fee, and $100 monthly payments. After the promotional period, a remaining balance will be a 24-month term loan, and $263.72 monthly payments with an overall APR of 26.54%.

**Minimum initial transaction of $1,000 in Alabama, Idaho and Iowa.

1. Alimony, child support, or separate maintenance income need not to be revealed if you do not wish to have it considered as a basis for repaying this obligation.

2. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning FinWise Bank is the FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106. The federal agency that administers compliance with this law concerning Coastal Community Bank is the Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480. The federal agency that administers compliance with this law for LendingPoint is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Click here to see our current list of state licenses

California residents click here ››

Wisconsin residents click here ››

Ohio residents click here ››

LendingPoint's NMLS #1424139 Visit NMLS Consumer Access