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finder.com’s rating: 3.8 / 5.0
★★★★★
$100,000
Max. Loan Amount
3.84% to 35.99%
APR
550
Min. Credit Score
| Product Name | Even Financial Personal Loans |
|---|---|
| Min. Loan Amount | $1,000 |
| Max. Loan Amount | $100,000 |
| APR | 3.84% to 35.99% |
| Interest Rate Type | Fixed |
| Min. Credit Score | 550 |
| Minimum Loan Term | 2 years |
| Maximum Loan Term | 7 years |
| Turnaround Time | Varies |
Review by
Aliyyah Camp is a publisher helping folks compare personal, student, car and business loans. Prior to joining Finder, she ran her own personal finance blog and wrote for numerous finance sites. Aliyyah earned a BA in communication from the University of Pennsylvania. She likes to go to the movies and go for runs outdoors.
Even Financial’s connection service is ideal if you’re looking to quickly compare offers from multiple top lenders. Its network of partners are open to borrowers with poor credit. And they offer a wide range of loan amounts, long terms and low starting rates.
But you’re limited to the lenders in its network. And you might receive multiple marketing emails and phone calls — even after you take out a loan. The company also had government action taken against it in June 2019 for violating California’s loan broker laws.
Rather apply with a lender directly? Compare your other personal loan options below.
To be connected with a lender, you’ll need to meet a few basic requirements:
Even Financial is a personal loan connection service that also powers the connection service Fiona. Rather than getting a loan directly from Even or Fiona, you can prequalify with multiple lenders at once by filling out its online form. This makes it easy to compare the rates and terms you might receive from its partners and find the best deal available to you.
Even Financial can help you find a loan, even if your credit isn’t perfect. But you still might want to consider this service even if you have excellent credit, since it still works with top lenders. It has a simple, one-page form that you can fill out in a few minutes without having to scramble for information about your taxes or income. And its partners offer a wide range of loans with a lower-than-average APR.
Even Financial partners with over 300 lenders — though not all provide personal loans. Some of its top partners include:
Yes, Fiona is a comparison service powered by Even Financial that connects borrowers with different personal loan providers, credit cards and saving accounts. You can be connected with loans as high as $100,000, and the form typically takes a few minutes to complete. Your credit score isn’t affect by completing the form. Fiona uses 256-bit encryption to secure private information.
The Internet is pretty silent when it comes to Even Financial as of November 2019. It has an D+ rating on the Better Business Bureau (BBB) website and isn’t accredited. To make things harder, there are also no customer reviews and only one complaint. But while Even Financial doesn’t have many reviews to its name, you should still check the lender you’re connected with to ensure it has good online ratings.
Even paid a $100,000 settlement to California Department of Business Oversight for violating the state’s loan broker laws in June 2019. The BBB also gave it a D+ rating because it wasn’t able to verify some advertising claims, such as the number of applications it’s received and the number of borrowers connected to a lender. The BBB considers this a direct violation of its advertising code.
The process is simple, and you’ll see what loans you could qualify for in under 60 seconds. Here are the quick steps:
To complete Even Financial’s online form, you will need to supply some basic information:
If Even Financial connects you with a lender, you will be redirected to the lender’s website. You may need to provide additional information or documents to complete a full application. If you’re approved, you’ll receive a finalized offer.
It’s possible that you won’t qualify for a loan with the lenders in Even Financial’s network. If this happens, you can resubmit your information through Even Financial or compare other personal loan options instead. Improving your credit or lowering the amount that you’re requesting could also help you find a lender that will meet your needs.
Even Financial isn’t a direct lender — which means you won’t make repayments to it. Check your lender’s repayment terms and fee schedule to ensure you have everything in order and can make your payments on the due date.
Compare other personal loan brokers to see how they stack up against Even Financial.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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Read the full methodology of how we rate personal loan providers.