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CompareFirst personal loan connection service review

Its expired security certificate might make you want to think twice.’s rating: 3.2 / 5.0


  • Best for fair-credit borrowers looking to compare multiple lenders at once.
  • Pick something else if you want to ensure your personal information stays safe.


Min. Loan Amount$2,000
Max. Loan Amount$25,000
APR2.99% to 36%
Interest Rate TypeFixed
Min. Credit Score580
Loan Term1 to 5 years

First, am I eligible?

To meet CompareFirst’s basic requirements, you must meet a few basic requirements:

  • Age 18 or older
  • American citizen or permanent resident
  • Credit score of 580+
  • Minimum annual income $35,000+
Keep in mind that you might need to meet other requirements, depending on the lender you’re connected with. Common requirements include a debt-to-income ratio under 43%.


  • Fair credit OK
  • Fast prequalification and quick funding
  • Affiliate lenders in all 50 states


  • Expired security certificate — your personal information may not be secure
  • No information about the lenders in its network
  • Almost no online presence or customer reviews
  • No customer service phone line or email address

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CompareFirst reviews and complaints

CompareFirst doesn’t have pages on the Better Business Bureau (BBB) or Trustpilot as of November 2019. CompareFirst’s parent company Backed Inc. doesn’t have much more information available. It’s not rated or accredited with the BBB, and there are no customer reviews or complaints filed against it as of November 2019. However, the BBB did raise concerns in 2016 about unsubstantiated advertising claims concerning how much lower CompareFirst’s rates were than its competitors’ rates.

How do I get started?

Once you’re sure you meet CompareFirst’s eligibility requirements, follow these steps to get connected with a lender:

  1. Click the Go to Site button on this page.
  2. Enter your desired loan amount, annual income and select your credit score range. Click Compare Offers.
    Apply for a loan online process step 1
  3. If you’ve met any of its lenders’ basic requirements, you should receive a message that you’re matched with an invitation to prequalify. To get started on the prequalification application, click Get Started.
  4. Follow the directions to complete required fields with information like your name, level of education, housing status and Social Security number before submitting your application.
    Apply for a loan online process step 2
  5. CompareFirst’s algorithm connects you with lenders that fit your loan request and financial situation. CompareFirst then shares your personal information with lenders. After a few minutes, you could potentially receive several quotes from different loan providers.
  6. Pick the quote that best suits your needs and finish the loan application process directly with the lender.

What information do I need to provide?

You’ll need to have a few basic pieces of information on hand to complete CompareFirst’s online form:

  • Social Security number
  • Annual income
  • Employment status

If you’re connected with a lender, it may require proof of employment or income in order to fully process your loan.

What happens after I fill out its online form?

The rest of the process largely depends on the direct lender you’re connected with. It might ask for additional documentation, like a scan of your ID, past tax returns and proof of income. Once you’re formally approved, read your loan terms carefully, and ask questions if there’s something you don’t fully understand.

How do repayments work with CompareFirst?

Since CompareFirst isn’t a direct lender, you don’t make repayments to CompareFirst. Reach out to the lender you’re matched with to find out how repayments work. If it’s an option, you may want to sign up for automatic payments and make more than the minimum monthly payment to lower the total cost of your loan. Have questions? Reach out to the lender you ultimately borrow from — not CompareFirst.

Rather apply with a lender directly? Compare your options with our guide to personal loans.

Frequently asked questions

Personal loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top personal loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, customer reviews, loan amounts, loan processing and borrower experience.

Read the full methodology of how we rate personal loan providers.

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

CompareFirst can help you quickly compare personal loan offers from multiple lenders at once — no matter what state you live in. And its network of lenders are willing to work with borrowers with less than perfect credit.

But we wouldn’t recommend using this service until it fixes the expired security certificate on its website — your personal information may not be secure. It’s also not up front about what lenders are in its network. And it has zero customer reviews as of November 2019.

Rather apply with a lender directly? Compare personal loan providers below.

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