Personal Loans logo

Loan Amounts


$1,000 - $35,000

Loan Term


3 to 72 months

APR Range


5.99% to 35.99%

Min. Credit Score



Editorial Rating Reviews: 2021 Edition

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Loan Amounts


$1,000 - $35,000

Loan Term


3 to 72 months

APR Range


5.99% to 35.99%

Min. Credit Score






Funding Time


1 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?

Then our review may help you decide!

On this page 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 an online service that connects consumers with large authorized lenders and allows them to borrow money online instantly. offers a variety of personal loan services, such as debt consolidation, credit card refinance, etc.

While is not a direct lender, it is one of the top loan connection companies which offer a way for consumers to get matched with the best available lenders.

Who Is Best for? is best for those who want quick loans, as well as those that want to borrow money online. Also, it is a good alternative for lenders troubled with poor FICO scores, as it offers the best online personal loans for bad credit.

After filling out the free online form, consumers will receive personalized offers. It is a simple and fast process that allows users to view multiple loan offers without having to separately apply with different loan providers.

Getting Started with

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

First, go to the official website of and fill out a free application.

Drag the slider to choose the loan amount. You can request an amount between $1,000 to $35,000.

Add your email address and click on Get Started.

In Step1, you will need to provide the following loan information:

  • Loan Amount Requested
  • Credit Type
  • Loan Reason:

-Debt Consolidation
-Credit Card Refinance
-Emergency Situation
-Auto Repair
-Auto Purchase
-Rent or Mortgage
-Special Occasion
-Major Purchase
-Student Related/Education

  • Your Full Name
  • Birthday
  • Are You Active Duty Military?

In Step 2, you will need to provide the following information:

  • Email Address
  • Phone
  • Contact Time
  • Address
  • Zip Code
  • State
  • City
  • Length At Address
  • Do You Own Your Home?
  • Income Source
  • Time Employed
  • I Get Paid (weekly, monthly…)
  • Employer Name
  • Employer’s Phone
  • Monthly Gross Income
  • Driver’s License OR State ID
  • Issuing State
  • Social Security Number
  • Bank Account Type

Before you submit your request, make sure you have read the terms and conditions.

And lastly, you will need to enter your mobile phone.

Terms & Requirements

Each lender has specific rates and terms that will be disclosed to the applicant in the agreement.

Once approved, the applicant will receive the funds in a short amount of time – even one business day.

The loan will then need to be repaid from 90 days to 72 months, depending on the lender.

The estimated annual percentage rate of the loan (APR) will vary between 5.99% and 35.99%, depending on multiple factors.

While each lender has its own personal loan requirements, these are the basic needed qualifications to apply:

  • You must be 18 or older
  • You must have a valid social security number
  • You must be a legal U.S. citizen or permanent resident
  • You must have a steady stream of income (employment, self-employment, benefits, disability)
  • You must have a valid bank account
  • Responsible credit history doesn’t have any credit score requirements when it comes to applying. You can find personal loans for bad credit and personal loans for good credit.

However, people with average credit score have a higher chance of getting approved and/or getting better rates. Some lenders require a credit score of 580 or higher.


Will pull my credit score?

To determine whether you are eligible for a loan and provide you with personalized offers, may do a ‘soft pull’, which won’t affect your credit score.

However, before reaching a leading decision, loan providers may do a hard inquiry on your report. This may damage your credit score.

And lastly, meeting all of the listed requirements doesn’t guarantee loan approval. Getting matched with unique lenders also doesn’t guarantee approval – this is simply a service offering you the possibility to compare multiple lenders and view loan offers.

User Reviews

We looked up reviews online and will sum up the customer reviews and complaints.

Here are the good things consumers had to say about

  • 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 read online:

  • 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 customer service
  • A customer complained that about hard inquiries which damages his credit score

Rates & Fees

Using to get matched with lenders is free. Borrowers submit a loan request through and are then matched with lenders.

The extensive network of lenders of determines all of the rates and fees.

The cost of a personal loan will vary depending on the loan amount, the state you live in, the lending partners, the period of time of the loan, your credit score, etc.

Lenders may charge an origination fee of 1 to 5% of the loan amount, late payment fees, etc.

All of the interests and finance charges should be supplied by the lender before signing the loan agreement.

Privacy & Security uses data encryption to protect your information when you submit your loan request on their website.

They collect the following information about you:

  • The information you provide
  • Tracking data (ISP, your activity on the site, etc)
  • Credit report information from the credit reporting agencies
  • Geolocation data

The data collected is used for:

  • Providing you with the requested services – for business purposes (connecting you with a lender, etc.)
  • Marketing purposes

Your information will be shared with:

  • Network of lenders
  • Third parties

After you have submitted a loan request, you can contact support to limit the sharing of your data. will also perform a soft pull or a soft credit check.

Customer Support can be contacted via mail, email, phone, or the contact form from their website.

The company also has a FAQ section and How It Works page, which contains answers to any questions you may have prior to applying.

Final Verdict/Summary

Now let’s sum up our review.

What we liked most is all of the information about loans available on their website.

For example, the debt consolidation article contains info about how to consolidate debt as well as the pros, cons, and some general tips.

We also liked their ‘How it works’ page which explains the personal loan process.

So, if you go to to request a loan for your needs, you won’t be kept in the dark about any part of the process.

The other things we liked are common for most lending platforms: you have the option to view and compare different types of personal loans from the comfort of your home. The service is free and simply getting matched with lenders won’t hurt your score.

What we didn’t like is the fact that your personal information is shared with third-party sites. While this is inevitable, as it is the only way to receive loan offers, customer information is also shared with advertising partners. Again, the purpose of this is to send you relevant offers.

On the bright side, at least you have the option to contact support and request that they 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
  • A+ Better Business Bureau rating
  • Only a soft pull may be done to match you with lenders


  • 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 an A+ 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?

Using the market place to secure a loan is a simple process.
You need to fill out a free online form and provide some basic information, such as:

  • The amount of money you need
  • The loan purpose
  • Basic personal information
  • Basic income information

You will then be matched with lenders that provide personal loans to borrowers. In a way you get pre-approved online – while the loan is not guaranteed, you are matched with the lenders that are most likely to provide you with a loan.

Why use is a good lending option for those that want to review all options when they need to borrow money.
It is also great for emergency funding as it is possible to get a loan in one business day. What’s more, it provides personal loans for those with bad credit.

Can I borrow money from if I have a bad credit score? will try to match you with a lender even if you have a poor credit score.
While 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?

There are some basic criteria you need to meet in order to qualify for a loan.
Here are the most common requirements:

  • Being 18 or older
  • Being a U.S. citizen or permanent resident
  • Having a steady income
  • Responsible credit history

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.