Personal Loans logo

Loan Amounts



Loan Term


3–72 months

APR Range



Min. Credit Score



Editorial Rating Reviews

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Loan Amounts



Loan Term


3–72 months

APR Range



Min. Credit Score






Funding Time


One business day

Founded in



BBB Rating



Min. Revenue





All 50 states

Personal Loans logo

Editorial Rating

Wondering which are the best places to get a personal loan?

If so, our review may help you decide!

In this article, you will learn more about:

  • What Is, and who is it best for
  • How works
  • The terms and requirements of getting a loan with
  • reviews
  • The pros and cons of using
  • The costs associated with using
  • Your privacy and security when using
  • Frequently asked questions (FAQ) about

What Is is a platform that connects borrowers with authorized lenders. It offers a variety of personal loan services, such as debt consolidation, credit card refinance, and many more.

That being said, is not a direct lender — it only helps people borrow money online instantly by matching them with the best available lenders.

Who Is Best For?

Many people can benefit from using the platform. However, is best for those who want quick loans or have a poor credit score.

In fact, the platform offers some of the best options for online personal loans for bad credit.

Getting Started with

We will now guide you through the process of requesting and applying for a loan via

First, go to the official website and choose the loan amount you want. The platform will let you request loans between $1,000 to $35,000.

  • Click on Get Started
  • Provide your personal details such as:
  • First and last name
  • Date of birth
  • Email Address
  • Phone
  • Address
  • Zip Code
  • State
  • City
  • Social security number
  • Driver’s License or State ID

Provide your banking and financial information such as:

  • Income source
  • Employment status
  • Time employed
  • Frequency of your payment (weekly, monthly…)
  • Employer name and phone
  • Monthly gross income
  • Bank account type

Choose one of the following reasons for requesting a loan:

  • Debt consolidation
  • Credit card refinance
  • Emergency
  • Auto repair
  • Auto purchase
  • Moving
  • Medical
  • Business
  • Vacation
  • Taxes
  • Rent or mortgage
  • Special occasion
  • Major purchase
  • Student related/education
  • Other

Terms & Requirements

Each lender has specific rates and terms they will disclose to the applicant in the loan agreement. Therefore, borrowers can expect a loan APR range between 5.99% and 35.99%. The exact rate will depend on what lender they go with and other factors.

Once approved, the applicant will receive the funds very quickly — the estimated funding time is one business day. After that, depending on their loan agreement, they will have from three to 72 months to repay it.

As for the loan requirements, these are different for each lender. However, some general ones include:

  • Being 18 or older
  • Having a valid social security number
  • Being a legal US citizen or permanent resident
  • Having a steady stream of income (employment, self-employment, benefits, disability)
  • Having a valid bank account
  • Having a responsible credit history

When it comes to applying for a loan, doesn’t have any credit score requirements — you can find personal loans for bad and good credit.

However, people with an average credit score have a higher chance of getting approved for a loan and getting better rates.

Note: Some lenders require a credit score of 580 or higher.

Will pull my credit score? may only do a soft pull, which won’t affect your credit score.

However, if you decide to go with a lender, they will make a hard inquiry on your report, which may damage your credit score.

User Reviews

What do reviews reveal about how customers feel about the platform?

Based on reviews on platforms such as Trustpilot, Sitejabber, and the like, here is what we found out.

This is what customers saw as the platform’s advantages:

  • All of the terms were stated before the customer agreed to anything
  • Getting approved for a loan was a fast and hassle-free process
  • The APR was reasonable
  • No need to go to a bank
  • Good customer service

And here is a summary of the bad reviews we encountered:

  • Some customers didn’t get matched with any lender
  • Customers received a large number of emails and phone calls after applying
  • Some customers had trouble reaching the customer service

Rates & Fees

Using to get matched with lenders is free. Therefore, the platform doesn’t charge any fees.

However, its partner lenders with whom borrowers get matched do. They are the ones that determine the rates and fees associated with a loan, not the platform.

For example, some lenders may charge an origination fee of 1 to 5% of the loan amount or late payment fees, while others may not.

Nevertheless, all the rates and fees you’d have to pay should be stated in your loan agreement.

Privacy & Security

When you submit a loan request on, the platform protects the data you provide via data encryption. collect the following information about you:

  • The personal information you provide (e.g., your name, address, banking and financial data)
  • Your browser and site usage data (e.g., ISP, your activity on the site, etc.)
  • Credit report information from the credit reporting agencies
  • Geolocation data

The platform uses the data it collects for:

  • Providing you with the requested services —  for business purposes (connecting you with a lender, etc.)
  • Marketing purposes will share your information with:

  • Network of lenders
  • Third parties

After you submit a loan request, you can contact the support team and request the platform limit the sharing of your data. is dedicated to keeping its current and future customers informed about all the possible ways they could get defrauded.

If you’re worried about falling for scams, there are a few ways to prevent those from happening. Before submitting a loan request on the platform, make sure you check out its Scam Alerts section.

Customer Support

For any questions, inquiries, or issues, customers can contact the support team by:

  • Phone
  • Email
  • Submitting a contact form on the website also has an FAQ section and How It Works page where users can find answers to the most common questions about the platform and the services it provides.

Final Verdict

Now, let’s sum up our review.

There are many things we like about the platform.

First of all, it allows users to view and compare different types of personal loans from the comfort of their home for free and without it hurting their credit score.

Second of all, the platform is filled with informative pages and articles on different types of loan products and their pros and cons.

What we didn’t like about is the fact that it shares personal information with third-party sites. However, since isn’t a direct lender but only connects borrowers with lenders, sharing the collected data is inevitable.

On the bright side, you have the option of contacting the support team and requesting the platform limit the sharing of your personal data.


  • Data encryption
  • Free application
  • Broad loan range
  • Quick money loans
  • Reputable partner lenders
  • All of the terms are listed on the website


  • Approval is not guaranteed
  • Loan amount term varies by lender
  • Your personal information will be shared with third parties
  • Before reaching a final lending decision, providers may do a hard inquiry which can impact your credit score
Personal Loans logo

Editorial Rating


Is legit?

Yes, is a legitimate online lending network. While the company isn’t accredited by the Better Business Bureau, you can view the company details. Plus, has a B+ BBB rating.
Here are some signs that a personal loans company is a scam:

  • No physical address listed.
  • The website is not secure (no padlock symbol or no “s” after “http” on the site address).
  • The lender doesn’t require a credit check – all reputable lenders check your credit report before approving your loan.

How does work?

Those who want to borrow money using have to provide their personal and financial information via a form on the platform. After that, will match them with the lenders most likely to provide them with a loan.

Can I borrow money from if I have a bad credit score?

Yes. However, although having good credit isn’t a requirement to use marketplace platforms to get matched with lenders, your credit score will affect your chances of getting a loan, as well as your rates.

Do I qualify for a loan?

If you are at least 18 years old, a US citizen or permanent resident, have a steady stream of income and a responsible credit history, you will most likely qualify for a loan from one of’s partner lenders.

Will my credit score be affected by

In order to match borrowers in the United States with the best personal loan companies, will do a ‘soft pull’ on the credit report of the applicants.

However, loan providers may do a ‘hard pull’ before reaching a final decision. Lastly, after you have been approved for the loan, missing payments or late payments can damage your credit score.

Is my information kept secure when I apply through

All the information you provide to will be encrypted. Yet, there is no guarantee that your information will be 100% safe, as data breaches can happen. collects the information you provide on their website, as well as tracking data and your credit report.

This information is used to provide you with the service you have requested. It is also used for marketing purposes.

Your information will be shared with potential loan providers and third parties.
You also have the option to contact support and request that they limit the sharing of your personal information.

How does compare to other lending marketplaces?

Compared to other lending marketplaces, is one of the few lending platforms we reviewed that provide detailed information about everything you should need before applying for a personal loan. It is also one of the best online companies that offer loans for bad credit.

Their privacy policy states everything clearly and it is easy to read. They also have a guide on how to apply for a loan using their platform, as well as a very extensive FAQ.

Furthermore, we noticed useful definitions, disclosures, and articles on their site.

Before you decide which lending platform to use, check out reviews as well as our AmOne, Loans Under 36, Guide to Lenders, Even Financial, and 5k Funds reviews.

Why use

The platform is a good solution for those in need of emergency funding. In fact, based on reviews, this process is quite fast. It is also suitable for individuals who don’t have a good credit score and want to review all the loan options they can expect.