Even logo

Loan Amounts


$1,000 - $100,000

Loan Term


2 to 7 years

APR Range


4.99% - 35.99%

Min. Credit Score



Editorial Rating

Even Financial Reviews: 2021 Edition

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Loan Amounts


$1,000 - $100,000

Loan Term


2 to 7 years

APR Range


4.99% - 35.99%

Min. Credit Score






Funding Time


Up to five business days

Years in Business



BBB Rating


No rating

Min. Revenue





All 50 states

Even logo

Editorial Rating

Finding the best places to get a personal loan is not always easy.

To help you with this process, we have reviewed Even Financial — an online platform that connects consumers with financial institutions.

In our Even Financial review, you will find the following information:

  • What is Even Financial and what is Fiona
  • How to apply for a loan
  • The terms and requirements for Even Financial loans
  • Even Financial reviews by consumers
  • The pros and cons of applying for a loan via Even Financial or Fiona
  • Rates and Fees
  • Privacy and Security
  • Even Financial FAQ

What Is Even Financial?

Even Financial is a fintech company that provides business-to-business-to-consumer (B2B2C) application programming interface (API) for financial services.

In our review, we will focus on what they can do for consumers, rather than for their partners or financial institutions.

Their digital marketplace connects financial institutions with consumers.

Consumers can use their online platform — Fiona — if they need a loan, credit card, or other financial services.

Who Is Even Financial Best for?

Even Financial is for those in need of quick money loans or emergency funding, that also prefer a simple online personal loan instead of going to a bank.

When you apply for a loan through Fiona, Even Financial’s search engine for financial services, within minutes you are able to see what the top loan connection companies have to offer.

So, if you are tired of filling out paperwork and waiting for weeks to find out if you are approved, then Even Financial may be the best lending option for you.

Getting Started with Even Financial

The first few steps are simple:

First, visit the Even Financial website.

Click on Get Started.

The window below will pop up:

Even Financial Reviews - Get Started

(Image Source: Even Financial)

Customers can apply for personal loans, credit cards, savings accounts, and other types of financial services.

Even Financial Reviews - Financial Service

(Image Source: Even Financial)

The page will then redirect you to HiFiona.

Fiona is a search engine for financial services.

Even Financial Reviews - Fiona

(Image Source: HiFiona)

Here you will have the option to set your credit score, Zip code, loan purpose, and the amount you need.

If you are applying for a personal loan, you can choose between the following types of personal loans:

  • Debt consolidation
  • Credit card refinance
  • Home improvement
  • Large purchase
  • Student
  • Auto
  • Baby
  • Boat
  • Business
  • Green loan
  • Household expenses
  • Medical and dental
  • Moving and relocation
  • Taxes
  • Vacation
  • Other

The annual percentage rate (APR) is the interest that you will be paying for your loan. If you have a higher credit score, you will get better rates. And vice versa: if you have bad credit, you will get worse rates.

You can also notice that the loan term varies: 36 months, 60 months, etc.

If you click on ‘Continue’, you will be given a form to fill in.

Even Financial Reviews - Your Info

(Image Source: HiFiona)

You will need to provide the following information:

  • Email Address
  • Date of Birth
  • First Name
  • Last Name
  • Do You Rent or Own?
  • Highest Level of Education
  • Street Address
  • Zip Code
  • City
  • State
  • Phone Number
  • Employment Status
  • Annual income
  • Pay Frequency
  • Social Security

After you submit your form, Fiona will start searching for potential offers.

Terms & Requirements

There aren’t many loan requirements if you wish to apply via Hi Fiona:

  • You must be 18 or older, and
  • US citizen or permanent resident.

Applicants can get a loan of $1,000 to $100,000, with terms from 24 to 84 months.

As for the Even Financial credit requirements:

The credit requirements vary by lender, but you will receive offers even with a low credit score. Your score, however, will impact the APR, which starts from 4.99%.

Even Financial Reviews - Terms

(Image Source: Even Financial)

Using Fiona to get offers is free. Submitting an application doesn’t require a credit check and won’t impact your credit score either.

Loan providers may do a ‘soft pull’, which may be recorded in your credit report, but won’t affect your credit score. Based on that soft inquiry, you can get pre-approval from lenders.

Once you have completed your application with the loan provider you were matched with, the provider may do a hard inquiry. A hard inquiry is recorded on your credit report and can negatively affect your score.

User Reviews

We looked up Even Financial reviews, as well as Fiona reviews online, and we will sum up what we read.

Here are the good things consumers had to say about applying for Even Financial personal loans:

  • Filling out an Even Financial loan application is a fast and simple process.
  • It is easy to compare multiple loan offers.
  • There’s no need to visit multiple financial websites — you can view the best available lenders in one place.
  • Fast responses.

And these are the bad Even Financial reviews and consumer complaints we found:

  • After submitting your application at HiFiona, Even Financial immediately shares your info with their extensive network of lenders, resulting in multiple emails and offers in a short span.
  • Some consumers complained that they were only offered a small loan or a loan with high rates.


Even Financial Reviews - Numbers

(Image Source: Even Financial)

Rates & Fees

As listed on the website, the APR starts from 4.99%. However, it is important to note that the rate you are viewing on Fiona is the estimated annual percentage rate of the loan.

When viewing an offer, you have the option to click on ‘Disclaimer & more info’ for more details about the fees.

Ultimately, it is the loan provider that determines the fees. So, it is best to contact them or to check the loan agreement for all of the potential charges.

Privacy & Security

Fiona/Even Financial uses 256-bit encryption to secure your personal information. If there is a system security breach, they may notify you by posting a notice or sending you an email.

If you require this warning in writing, you can contact them at [email protected].

While Even Financial won’t sell your data, they may share it with their business partners or related third party sites without notifying you.

With Even Financial/ Fiona simply a digital market place that connects you to their network of lenders, you may need to fill out an application with your data with the lender too. So, you should also look into the privacy policy of the lender.

Customer Support

All of the contact information is listed on the website. You can use their online form to contact them, send an email, or phone them. The only thing that was missing was a live chat option.

Final Verdict

Now that we covered all there is to know about Even Financial and their financial services search engine, Fiona, let’s sum it up.

What we liked most about this platform is that it is one of the best online places where you can discover personal loans and compare them. It lets you see if you can get prequalified without damaging your credit score.

While the initial terms and rates vary based on the info you provide, it is still a good way to get a general idea of what your chances are of getting a loan and how much it will cost you in interest and fees.

And let’s not forget that you can do this online, from the comfort of your own home. Without waiting for weeks to find out whether you got approved.

Based on the Even loans reviews left by consumers, the downside is that your information will get shared with third parties. This is an inevitable process of getting a loan offer, however, some consumers didn’t appreciate the large number of offers they received. So, you may want to avoid using your primary email.

Another downside is that Even Financial still hasn’t been accredited by the Better Business Bureau.

All in all, Even Financial and their search engine for financial services, Fiona, are a good online platform that connects trustworthy lending companies that offer personal loans to borrowers.

Even Financial Reviews - Find Your Loan

(Image Source: HiFiona)


  • Loan terms range from 24 to 84 months
  • No Fiona/Even Financial credit score requirements
  • Even loans amounts range from $1,000 to $100,000
  • Uses 256-bit encryption to secure your information
  • Submitting an application for Fiona/Even Financial personal loans is free
  • Reputable partner lenders, such as SoFi, Prosper, Avant, Best Egg, and others
  • No credit check required to view, compare, to be preapproved or prequalified for Fiona/Even personal loans


  • The loan offers vary based on your creditworthiness.
  • No Even Financial Better Business Bureau accreditation.
  • Even Financial may share your personal data with third parties.
  • Fees, rates, and terms vary by lenders. Some may charge an origination fee or late payment fees.
  • Before getting definite loan approval, providers may do a hard inquiry which can damage your credit score.
  • Even Financial is not a direct lender — it is a fintech company that connects you with legitimate loan companies.
  • If you prequalify for an Even Financial loan, it doesn’t mean that the loan has been approved, nor that it is the final loan offer.
Even logo

Editorial Rating


Is Even Financial safe?

One of the drawbacks of using marketplace platforms is that you can never be 100% certain that your data is secure.
As stated in Even Financial’s privacy policy, your data is encrypted and won’t be sold. It, however, may be shared with their business partners and third party sites which will be able to contact you with possible offers.
Even Financial’s partners are reputable peer-to-peer lending companies, such as SoFi, Prosper, Avant, Best Egg, Freedom Plus, Lending Club, Lending Point, Payoff, Upgrade, Light Stream, etc.

Is my information kept secure when I apply through Even Financial?

Even Financial uses 256-bit encryption technology to ensure your data is secure.
In their privacy policy, they recommend being careful about the information you include in emails when contacting them, as emails may not be secure.
If there is a security system breach, they will post a notice or notify you via email.

Will my credit be affected by using Even Financial?

Even Financial/Fiona is not a lender. It is simply a search engine that allows you to search for, compare, and get recommendations for financial services.
So, if you apply for an Even Financial debt consolidation loan, lending platforms may only do a soft pull. This won’t hurt your credit score, as you haven’t actually applied for a loan — you are merely looking at the offers.
After reviewing them, you may pick one and submit an application to the loan provider. They may then do a hard inquiry, which can hurt your credit score.

How do I know if I qualify for Even Financial?

There aren’t a lot of listed qualifications to apply for a Fiona or Even Financial loan. You need to be 18 or older, and a US citizen or permanent resident.
You can then fill out some basic information to see if you are preapproved or prequalified. This isn’t a guarantee that you will qualify for a loan, so the only way to find out is to submit an application with one of the large authorized lenders partnered with Even Financial.

How does Even Financial compare to other lending marketplaces?

Even Financial is a free platform that allows you to search, view, and compare loan offers — all in one place.
Submitting an application to view the offers won’t hurt your credit score, and it is a simple and fast process.
Before you make a decision, check out the Even Financial reviews, as well as reviews of other lending platforms.
You can read our 5k Funds review and see how it compares.