Personal Loan Review

Borrow $600 - $100,000 and get funded as fast as 24 hours Personal Loans

At a Glance:

  • Loans between $600 and $100,000
  • Best for almost anyone thanks to the wide range of loan amounts and permitted uses
  • Best Rate Guarantee leaves borrowers with a cash bonus if they are able to find a better loan option than the one presents them with (this only applies to student loan refinancing)
  • Loan aggregator that offers you loan options from multiple lenders
  • Partners with well-known and reputable lenders such as Best Egg, Avant, SoFi, and Discover

What is is not a direct lender - instead their service will connect potential borrowers to lenders who may be able to offer them suitable loan options. They have earned an A+ rating with the Better Business Bureau which means they have demonstrated their ability to conduct business in an honest and transparent way that prioritizes customer experience. This does not mean that businesses with this rating do not receive complaints as most companies will receive negative reviews once in a while. The A+ rating demonstrates that responds to complaints and strives to help customers resolve any issues they may have. Rates and Fees


2.49% - 35.99%

Loan term:

12 to 84 months

Loan amounts:

$600 to $100,000

Hidden fees:


Minimum credit score required


Extra perks:

Best Rate Guarantee

Fund availability

Varies; in most cases funds will be deposited in your bank account 24 hours after approval

What type of personal loans does offer? is not a lender - they’re a loan aggregator - so they are not the ones who are setting the rules as to the ways you can use the funds you receive. Each lender has their own set of regulations but as there are many partners works with you will likely be able to find a lender that will offer you a loan that you can use for what you need. Example of loan uses include but are not limited to:

  • Debt consolidation
  • Auto loans
  • Weddings
  • Vacations
  • Large Expenses
  • Home repairs
  • Home improvements
  • Medical debt
  • Adoption expenses
  • Student loan refinancing Pros and Cons


  • Best Rate Guarantee for student loan refinancing
  • Variety of lenders in their network means you have more chances of being connected with a loan option
  • Loans range between $600 and $100,000


  • Precise loan terms may vary depending on which lender you accept an offer with
  • Origination fees, late fees, prepayment fees, etc. may apply and you won’t know until you see your loan offers

Who should use is a decent option for almost anyone thanks to the variety of loan amounts and permitted uses. It may be a particularly good option for those dealing with student loans as they are one of the few loan aggregators that offer services specifically for those refinancing student loans.

What are some of the benefits of using’s Best Rate Guarantee leaves you with a cash sum if you find a better loan offer than the one they present you with.

One of the most unique and attractive features of’s service is their Best Rate Guarantee. This is a policy that states that if you find a better loan offer than the one matches you with you will be able to receive a $200 gift card from! They do this because they are so confident in their ability to find you the best possible rate out there. This makes applying for a loan through a no-brainer - you’ll either find the best possible loan offer or you’ll get a $200 gift card if you find one that’s even better!

A big network of lenders means more chances to qualify.

As is a loan aggregator, you’ll be able to apply to multiple potential lenders in one go. Additionally, the large number of reputable lenders they partner with means that potential borrowers will have a better chance of finding one that suits them.

In most cases, you will receive your funds quickly.

Although the precise timeline for funding may vary depending on which lender you select, you’ll likely get your funds within 24 hours of accepting an offer. This can also make a great option for anyone who is seeking an emergency loan.

Loan amounts available through vary greatly.

Depending on your credit score and income, you may be able to qualify for loans between $600 to $100,000. This huge range of fund amounts means that you will likely have many options and be able to find a loan amount that truly fits your needs instead of needing to take out a $5,000 loan when you only really need $3,500.

What are some of the downsides to using

You may have to pay origination, late payment, and other costly fees.

It's difficult to know what fees could apply to your loan before you apply since the lenders that handle your loan are responsible for the prices they impose. Origination fees, late fees, early payment fees, and other costs are examples. This isn't unheard of in the lending business, and the loan you are matched with through may not include any of these fees, but it’s important to be aware that this is a possibility. It may also be frustrating to weigh your options when you may see a different set of fees for each loan offer.

Precise loan terms may vary depending on which lender you accept an offer with

Although this does not mean that you are automatically saddled with undesirable loan terms, you will not be able to know exactly what those terms are before you are matched with a suitable loan offer.

Do I need a credit check to take out a loan with

You will need a soft credit check when you submit your application but you do not need to undergo a hard credit inquiry before you are ready to accept a loan offer.

Does cost any money?'s services are absolutely free, and there are no hidden costs involved with merely using their services. However, the lender with whom they link you will almost certainly have some kind of fee for those who accept loan offers from them.  For instance, you may be charged an origination fee that ranges from 1% to 5% of the overall loan amount. This isn't needed, and you might be able to locate financing choices that don't contain it. If you have a high enough credit score you may also be able to avoid these fees.

Where does operate? offers personal loans and credit cards to all residents of the United States.

How is’s customer service and support?

Although will not be functioning as your lender, they do offer effective customer service to help with your application process or if you have any questions throughout your loan repayment term. You can email them at, call a customer service representative by dialing 866-540-6005, or chat with a member of their Client Success Team directly on the website.

How to qualify for a Personal Loan through

The exact requirements that are necessary to qualify for a personal loan that matches you with will likely vary depending on the lender. However, it is safe to assume that anyone who is planning on applying should have, at minimum:

  • A demonstrated credit history
  • No bankruptcies, at least not within the last year
  • Must be 18+ or older
  • Must be a resident of the United States and be able to provide a social security number
  • Some kind of income - the amount and the specifics of what maybe considered income may vary depending on which lender is used

How to Apply for a Personal Loan

To apply for a personal loan through you can fill out one quick and easy application. This streamlined process will save you time as they will present you with multiple offers up front. Once you select a loan offer the next steps may vary but typically you will have to provide a few more pieces of information and the lender will verify your information before finalizing your loan offer. From there, you can accept the loan officially and sign paperwork before the lender will send funds to your bank account.

Is Legit and Trustworthy?

Yes, is legitimate and trustworthy. Because they are a recognized and reputable company, you can utilize their services with confidence. They also disclose their full terms and conditions on their website, including what they will do with your information (nothing but use it to get you a loan) and other factors to be aware of, such as which credit bureaus they report to and check when you apply. To secure and protect all user information, employs industry-standard methods and technology.

Conclusion allows you to easily and efficiently compare multiple loan options that you may qualify for. They partner with well-known and reputable lenders that have their own perks and customer service standards so you can rest assured that is pairing you with a lender that will offer a quality customer experience. Unlike many similar loan aggregators, can help those hoping to consolidate student loans and their Best Rate Guarantee makes it an option that’s worth exploring.

Credible Personal Loan Review

Borrow $600 to $100,000

APR ranges from 2.49% - 35.99%

Funding within 24 hours (may vary)

Loan term: 12 to 84 months

Best rate guarantee

Minimum credit score: 600

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Personal Loans for Every Occasion

"A seamless experience from start to finish, and not to mention FAST! I got funded in just 3 days for an unexpected family expense and was able to obtain a great rate"

Marc Amado

"They are a team of top-notch professionals and were very responsive to a few questions I had on my loan application. I’d definitely work with them again. Thank you for making the process so easy and painless!"

Allison Brenner

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