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Even Financial loan connection service review

This product has been discontinued and rebranded as Fiona

Compare personal loans through Fiona to find one that fits your needs.

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Max. Loan Amount

4.75% to 35.99%



Minimum credit score


  • Service is free to use
  • Comparing lenders won't ding your credit score
  • Compare top-rated lenders in one place


  • Site redirection to Fiona is confusing
  • Rates aren't shown in search results
  • Data is shared with Even Financial's partners

Our take on Even Financial

Even Financial, aka Fiona, is a loan connection service that's free to use. Fiona isn't a direct lender and doesn't provide loans. Rather, it's a search engine for personal loan offers, matching you with prequalified offers across its network of top providers — each of which has its own loan products and definition of a “good borrower."

To use the service, enter some information about the type of loan you want and see your offers in less than 60 seconds. Lenders in the network offer rates as low as 4.75% — and some go as high as 35.99%. There are also a wide range of loan amounts available, stretching from $250 to $250,000. But the actual APR and loan amount you’re eligible for will depend on the lender and your creditworthiness.

Not every lender offers good deals, so compare rates and origination fees before finalizing your loan application. If you're an excellent credit borrower with a credit score of 740 or higher and a low debt-to-income ratio, you should be able to secure a competitive rate loan without having to pay origination fees.

Are Fiona and Even Financial the same company?

Yes, Fiona is a comparison service powered by Even Financial that connects borrowers with different personal loan providers, credit cards and saving accounts. Get connected with loan options for as high as $100,000, and the form typically takes a few minutes to complete.

Completing the form doesn't affect your credit score. Fiona uses 256-bit encryption to secure private information.

Use the calculator below to make sure you’re getting a good deal that you’ll be able to afford.

Monthly repayments calculator

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Rates, fees and terms

The rates, fees and terms vary by the lender. When you submit your information, Even Financial will search its network to find a lender that meets your search criteria. From here, you may be offered a loan — but the total amount, loan term and APR will depend on doing a full application and undergoing a credit check.

The better your credit and finances, the more likely you are to get a good deal. Those with lower credit won't get the best rates — although Even Financial works with lenders that offer loans to borrowers with poor credit.

Which lenders does Even Financial partner with?

Even Financial partners with over 300 lenders — though not all provide personal loans. Some of its top partners include:

How Even Financial compares to other lenders

Compare even more lenders with just a few clicks.

1 – 6 of 6
Name Product Filter Values APR Minimum credit score Loan amount
Best Egg personal loans
8.99% to 35.99%
$2,000 to $50,000
A prime online lending platform with multiple repayment methods.
Upstart personal loans
6.5% to 35.99%
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
4.98% to 35.99%
Poor to excellent credit
$1,500 to $100,000
Achieve personal loans
7.99% to 29.99%
$1,000 to $50,000
Consolidate debt and more with these low-interest loans. Cosigners welcome.
Upgrade personal loans
7.96% to 35.97%
$1,000 to $50,000
Affordable loans with two simple repayment terms and no prepayment penalties.
LightStream personal loans
5.99% to 23.99%
Good to excellent credit
$5,000 to $100,000
Borrow up to $100,000 with low rates and no fees.

Compare up to 4 providers

Even Financial reviews and complaints

BBB accredited No
BBB rating A+
BBB customer reviews 1 out of 5 stars, based on 2 customer reviews
Trustpilot Score 3.4 out of 5 stars, based on 4 customer reviews
Customer reviews verified as of 23 June 2022

There aren’t many reviews of Even Financial online and the ones that exist are mixed and lean towards the negative. The main complaint is about the large amount of marketing material people received — a common complaint for loan marketplaces.

If you decide to use Even Financial to find a lender, be aware that you'll likely get a lot of emails. And before submitting an application, check the lender you're applying with to make sure it has good online ratings.

How to qualify

To be connected with a lender, you’ll need to meet these requirements:

  • Minimum credit score of 550
  • American citizen or permanent resident
  • At least 21 years old

What information do I need to sign up?

To complete Even Financial’s online form, you will need to supply some basic information:

  • Estimated credit score range
  • Social Security number
  • Annual income
  • Pay frequency
  • Highest level of education

How the application works

To fill out Even Financial’s online form and see what lenders you might qualify for, follow these steps:

  1. Choose Get started on Even Financial’s website.
  2. Select the amount you want to borrow and your general loan purpose to be redirected to Fiona.
  3. Provide information about yourself, including your Social Security number, annual income and date of birth.
  4. Choose Agree and continue to see your offers.

If Even Financial connects you with a lender, select the lender to 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.

What if I don’t get connected with a lender through Even Financial?

It’s possible that you won’t qualify for a loan with the lenders in Even Financial’s network. If this happens, you can compare other personal loan options instead. You may find improving your credit or lowering the amount that you’re requesting could also help you find a lender that will meet your needs.

Is Even Financial legit?

Yes, Even Financial is a legit connection service. It has a standard privacy policy that covers how it collects and uses your personal information, and it has a clear list of its state licenses.

However, there's been reports of fraudulent misuse of its name. Keep on the lookout for scams, and remember that Even Financial doesn’t require its customers to pay any fees.

Government action against Even Financial

California took action because it acted as a broker for a business that was in violation of California law. Even Financial paid a $100,000 settlement to the California Department of Business Oversight in June 2019.

Compare more loan connection services to see how they stack up against Even Financial.

Frequently asked questions

Personal loan ratings

★★★★★ Excellent
★★★★★ Good
★★★★★ Average
★★★★★ Subpar
★★★★★ Poor
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Review by

Aliyyah Camp was the personal loans publisher for Finder. Aliyyah earned a BA in communication from the University of Pennsylvania.

Expert review

Even Financial’s connection service is ideal if you’re looking to quickly compare offers from multiple top lenders. There are a wide range of loan amounts, long terms and low starting rates available, and the lenders in its network open to borrowers with poor credit.

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.

Want to see even more lenders? You can compare other personal loan options using our table.

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    Default Gravatar
    October 3, 2017

    i filed a ch7 bankruptcy in April this year 2017 and it discharged in July just a few months ago… do i have any options for a personal loan?

      Default Gravatar
      October 4, 2017

      Hello Danny,

      Thank you for reaching out to us.

      While you will be more limited in terms of lender options, it’s still possible to get a loan after bankruptcy. There are lenders that might accept you even with Chapter 7 or Chapter 13 bankruptcies on your credit report however, the fees and rates may be considerably higher on loan after bankruptcy, and you may be required to attach an asset as security or apply with a guarantor.

      Remember to check all the eligibility criteria and read through the loan Terms and Conditions before making a decision on whether it is right for you.

      I hope this helps.

      All the best,

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