Guide to Lenders Logo

Loan Amounts


$1,000 - $50,000

Loan Term


24 to 84 months

APR Range


3.99% to 35.99%

Min. Credit Score



Editorial Rating

Guide to Lenders Review: 2021 Edition

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Loan Amounts


$1,000 - $50,000

Loan Term


24 to 84 months

APR Range


3.99% to 35.99%

Min. Credit Score






Funding Time


Up to 5 business days

Years in Business



BBB Rating



Min. Revenue





All 50 states

Guide to Lenders Logo

Editorial Rating

If you are looking for the best places to get a personal loan, then our review of Guide to Lenders may have all the answers you seek.

On this page you will find the following information:

  • What is Guide to Lenders
  • The required qualifications to apply for a loan
  • Guide to Lenders review posts by customers
  • The pros and cons of Guide to Lenders
  • Rates and Fees
  • Privacy and Security
  • Frequently asked questions (FAQ) about Guide to Lenders

What is Guide to Lenders?

Guide to Lenders is an online marketplace that connects consumers looking for financial services and products with financial institutions.

It is an alternative lending option for those who need loans but want to check and compare their options instead of going to a traditional bank.

People that want to borrow money online get connected with companies that offer personal loans to borrowers.

Users of the platform can view and compare loan offers to choose the best loan provider in a fast and efficient manner.

Who is Guide to Lenders best for?

Guide to Lenders is best for people that need emergency funding or quick money loans, as their platforms allow applicants to browse and find loans without undergoing a lengthy process.

Instead of visiting each financial institution individually and submitting an application just to wait months to find out if they are approved, applicants can look at a broad loan range at once place.

And the best thing is that using this platform to compare loans won’t hurt your credit score unless you apply directly with one of the lending partners.

Getting started with Guide to Lenders

Finding a personal loan with Guide to Lenders is easy and can be done in a few simple steps.

First, visit the Guide to Lenders website.

The first question they ask is ‘How would you like to spend the money?’

You can choose one of the following types of personal loans:

  • Debt consolidation
  • Credit card consolidation
  • Business
  • Home Improvement
  • Emergency
  • Household Expense
  • Auto
  • Medical/Dental
  • Special event expenses
  • Moving & relocation
  • Major purchase
  • Auto repair
  • Taxes
  • Vacation
  • Green
  • Boat
  • Baby/Adoption
  • Motorcycle
  • RV
  • Other

Once you choose the type of personal loan you need, you need to fill out the Guide to Lenders online application.

Guide to Lenders Reviews

(Image Source: Guide to Lenders)

Applicants need to provide the following information:

  • How much cash would you like?
  • What is your estimated credit rating?
  • What is your current employment status?
  • What’s your annual pre-tax income?
  • Would you like to add a co-applicant? If so, what is their annual income? (Optional)
  • Do you rent or own?
  • How long have you lived at this address?
  • What is your ZIP code?
  • What is your street address?
  • What is your email address?
  • What’s your name?
  • What’s your date of birth?
  • What’s your phone number?
  • What is your social security number?

After you have filled out the online application, you will be presented with multiple loan offers which you can compare.

Guide to Lenders Reviews

(Image Source: Guide to Lenders)

Click on ‘Disclosure’ for more information.

Guide to Lenders Reviews

(Image Source: Guide to Lenders)

As noted in the Disclosure, not all applicants qualify for large loan amounts or for the most favorable terms.

The loan options you are viewing are based on the information provided and are simply initial offers that can be subject to change.

This means that you will also need to fill out an application with the lender. After the lender verifies the information you provided you will receive a final offer.

Once you click ‘Apply Now’, you will be redirected to the website of the lender.

Now let’s sum up the steps:

  • Choose the loan type
  • Choose the loan amount
  • Fill out a free application
  • View loan offers
  • Compare the estimated annual percentage rate of the loan
  • Read the disclosure
  • Once you find the right offer for you, click on ‘Apply Now’

Terms & Requirements

Since Guide to Lenders is not a loan provider, there aren’t a lot of requirements if you want to use their platform to compare multiple personal loans.

You need to be:

  • At least 18 years old
  • US resident

Now, regarding Guide to Lenders credit score requirements:

Guide to Lenders will match you with offers based on the info you provided in the application.

If you have bad credit, you will be offered personal loans for bad credit.
If you have good credit, you will be offered personal loans for good credit.

The loan approval and loan amount term depend on the requirements set by the provider.

The following factors can affect the final loan offer:

  • Responsible credit history
  • A sufficient and steady stream of income after monthly expenses
  • Availability of collateral
  • Location
  • Credit score
  • Financial situation
  • Loan amount
  • Loan usage

Guide to Lenders Reviews

(Image Source: Guide to Lenders)

Using Guide to Lenders to discover personal loans online is free.

It doesn’t require a credit check and simply filling out the form on their website won’t affect your score.

If you, however, decide to apply for a loan with a matched source from their network of lenders, then the loan provider may do a hard inquiry before reaching a decision. This can affect your credit score. The provider may also have additional loan requirements.

The APR ranges from 3.99% to 35.99%.
The loan amounts range from $1,000 to $50,000.

Some states have minimum or maximum unsecured loan sizes.

As is the case with other lending marketplace platforms, the final terms and requirements ultimately depend on the loan provider.

Guide to Lenders Reviews

(Image Source: Guide to Lenders)

User Reviews

We looked up Guide to Lenders reviews online and have summed up what we read.

Here are the good things consumers had to say about applying for Guide to Lenders loans:

  • Finding the best personal loans for their individual situation was fast and easy
  • They were able to find a loan with a low-interest rate
  • They got approved for a loan within days.

And these are the bad Guide to Lenders reviews and consumer complaints we came across:

  • After submitting their personal information they received a large number of calls and emails with offers
  • Some customers had upfront costs.


Guide to Lenders Reviews

(Image Source: Guide to Lenders)

Rates & Fees

Filling out the online form in order to discover personal loans using Guide to Lender’s platform is free.

As listed on the official website of Guide to Lenders, the APRs for the loans start from 3.99% and can reach 35.99%.

The loan provider may also charge an origination fee, which can be either a flat rate or a percentage of the loan amount.

Always check the loan agreement regarding further details about the rates and terms, such as the interest rate type, late payment fees, etc.

Privacy & Security

Guide to Lenders uses 256 bit SSL technology to encrypt your data. Keep in mind, however, that no electronic storage of information is 100% safe from a data breach.

Guide to Lenders might also share your information with advertising partners and third parties, related to the services you are seeking.

Customer Support

Guide to Lenders can be contacted by filling out a form on their website.

Guide to Lenders Reviews

(Image Source: Guide to Lenders)

Final Verdict/Summary

Now, let’s sum up what we liked and what we didn’t like about Guide to Lenders.

What we liked the most is that almost everyone can use their platform to compare loan offers. Their online form asks for basic information and then recommends the best loans based on that information.

Sometimes applicants can misjudge the requirements, and apply for a loan when they have zero chance of getting approved. This results in a hard inquiry which hurts their credit score.

Yet, with platforms like Guide to Lenders, future applicants are matched with the best loan offers based on the requirements they meet.  When submitting an application via Guide to Lenders, only a soft inquiry is performed. This way, applicants can compare offers without damaging their credit score.

It is a win-win for everybody — loan providers don’t need to waste their time with applicants that don’t meet the requirements and applicants won’t apply for loans they have little to no chance of receiving.

The application process is fast and simple — it is possibly the best way to borrow money.

What we didn’t like about Guide to Lenders — though this applies to all online platforms — is the fact that your personal information is never 100% secure online.

Your information will also be shared with their partners and you will receive a large number of offers via email or phone.

Another thing that it is important to note is that the offers you are viewing aren’t final. The rates and the amount are estimated based on the provided information. It is ultimately the loan provider that decides the terms of the final offer after they have reviewed your application.

Lastly, it is up to you to decide whether the pros outweigh the cons.


  • APRs start from 3.99%
  • Free online application
  • 256 bit SSL encryption
  • Comparing personal loans doesn’t require a credit check
  • Accredited by the Better Business Bureau (Quinstreet, Inc.) with an A+ BBB rating.
  • Reputable partner lenders, such as SoFi, Avant, Lending Club, Lending Point, LightStream, etc.


  • Loan providers may do a hard inquiry
  • Additional terms and fees depending on the loan provider
  • Your data may be shared with advertising partners and third parties.
Guide to Lenders Logo

Editorial Rating


How do I qualify to receive a loan from Guide to Lenders partners?

Guide to Lenders will match you with large authorized lenders based on the information you provided. Each lender has their own requirement, however, to use this lending market place all applicants need to be:

  • 18 or older
  • A US citizen or permanent resident
Here are some of the requirements that the Guide to Lender’s extensive network of lenders may also be looking for:
  • A verifiable bank account
  • A steady source of income
  • Good credit history
  • Good credit score
  • Debt to income ratio
  • Availability of collateral
Other factors that can impact your chances of getting approved for a loan are:
  • Location
  • Loan amount
  • Purpose of the loan

Will my credit score be affected by Guide To Lenders?

Guide to Lenders is an online marketplace that connects those that need to borrow money with the best available lenders. Using their platform to browse what your loan options are and which are the best personal loan companies, won’t affect your credit score. In order to match borrowers in the United States with unique lenders, they will only do a soft pull. Soft pulls or soft inquiries don’t damage your credit score. They may only be recorded in your credit report, depending on the credit bureau. However, once you get redirected to the lender’s website and apply directly with them, then the loan provider may do a hard inquiry which can damage your credit score. If you apply for a personal loan, mortgage, or a credit card, then the loan provider may do a hard inquiry to reach a final decision.

Is my information kept secure when I apply through Guide To Lenders?

Guide to Lenders use 256-bit SSL-encryption technology to protect the personal information you submit on their website. However, when you are applying for an online personal loan, there is no guarantee that your information will be 100% secure. Another thing you need to note is that the information you provide will be shared with advertising partners as well as loan providers. When Guide to Lenders shares your data, they will ensure that your information is kept secure. Guide to Lenders will retain your data for about 30-180 days, which is the time needed to connect you with partners that can provide you with the relevant products and services. They will also keep an archived copy of your data for 6 years.

How does Guide to Lenders compare to other lenders?

Guide to Lenders is one of the top loan connection companies which allow you to borrow money online instantly. Their platform allows you to look for the best personal loans for you, without impacting your credit score. Using their platform is also free and there are no credit score requirements. It is one of the best places where you can view, compare, and get quick loans. If you want to check out other lending platforms, compare this Guide to Lenders review with our Even Financial, 5K Funds, Upgrade, Loans Under 36, and AmOne reviews.