We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias.
But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
Get loan offers from multiple lenders at once without affecting your credit score.
finder.com’s rating: 3.8 / 5.0
You can cut down the stress of comparing personal loans by using Even Financial. It allows you to submit one application and get connected with the best lenders for you. But your options are limited to its network of providers has to offer.
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 regularly attends industry conferences to stay in the know about market changes that can affect consumers. When she's not helping people with their personal finances, you can find her at the movies or going for a run outdoors.
First, do I qualify?
In order to be connected with a lender through Even Financial, you need a credit score of at least 580. It’s important to know your budget as well. Depending on how much you need to borrow and the terms of your loan, your monthly payments could be quite high. If you won’t be able to afford your loan, lenders aren’t likely to work with you.
What makes Even Financial unique?
Even Financial can save you time. Instead of filling out multiple applications, one with Even Financial could connect you with five or more lenders at once. It’s worthwhile if you’d like to avoid the hassle of individual applications, and you can compare rates easily, without the extra work of sorting through loan offer documents.
What is Even Financial?
Even Financial is a lender-connection service. You can compare offers from several providers at once based on your application.
Loans amounts reach up to $100,000 and can be used for just about anything.
What are the benefits of Even Financial?
Multiple connections. Even Financial’s network includes a variety of online lenders. You can save time by applying in one place rather than having to submit multiple forms.
Free service. Even Financial is free to use, your potential rates aren’t affected by using the site and you won’t face upfront or hidden costs.
Additional tools available. Even Financial provides advanced searches and a debt refinancing calculator to help you with your borrowing needs.
What to watch out for
An application with Even Financial could save you time, but you’ll want to factor in a few potential drawbacks:
Limited number of providers. Though you can potentially compare personalized offers from several lenders at once, Even Financial’s lenders are not the only providers out there. You should always compare lenders to prevent missing out on a better fit for your needs.
Personalized offers aren’t guaranteed. When you compare offers, you aren’t comparing finalized offers. Rather, you’re getting a look at what you may qualify for based on the information you provide. The process to get a finalized offer often necessitates lenders checking your complete financial history.
Varying terms. A host of lenders comes with a host of terms. Monthly payments can be a concern, and if the length of the loan isn’t long enough or the APR is too high, those payments could be out of your budget.
Marketing materials. Even Financial reserves the right to send you additional information and offers by email, phone and mail. When you apply directly with a lender, it can limit or prevent such solicitations altogether.
Compare more personal loan providers
Updated September 21st, 2019
What do customers say about Even Financial?
The Internet is pretty silent when it comes to Even Financial as of June 2019. It has an A+ rating on the Better Business Bureau (BBB) website and has been BBB-accredited since 2015. There are no customer reviews, however and only two complaints — one of which doesn’t have details. The other involved a miscommunication between a client and customer service over how its payday protection feature worked on its app.
It also has no Trustpilot page. The fact that the words “even” and “financial” are so commonly used together in other contexts makes it virtually impossible to find mentions in forums.
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. 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.
Is it safe to apply for a loan through Even Financial?
Yes. Even Financial is a legit lender that uses industry-standard SSL-encryption technology to ensure your personal and financial information is safe when you submit your application.
It does send information to third parties that you aren’t able to vet first — as with any marching service. However, it doesn’t sell your personal data to other companies, and it only partners with what it considers to be trusted, legitimate lenders.
Am I eligible?
Qualifications vary based on the lender that partners with Even Financial. To be eligible to apply, you must:
Have a credit score of at least 580+
Be at least 18 years old
Be a US citizen or a permanent resident
How do I apply?
The application process is simple, and you’ll see what loans you could qualify for in under 60 seconds. Here are the quick steps:
Click the Go to site button on this page to be directed to Even Financial’s application form.
Fill out the loan information to specify how much you’re requesting and why.
Represent your credit score accurately.
Complete your personal, contact and employment information.
Submit the form and get your results nearly instantly.
I got a personal loan through Even Financial. Now what?
It’s a great feeling to get a loan that fits your needs. Once you’re prequalified, head to the lender’s website.
Complete the requested information and supply any required documents. By submitting everything correctly the first time, you can avoid extending the process longer than necessary. 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. Improving your credit or lowering the amount that you’re requesting could potentially help you find a lender that will meet your needs.
No, Even Financial doesn’t conduct a hard credit pull on your credit. When a hard credit pull is done, it shows up on your credit report as an inquiry and can affect your score. Typically direct lenders will do a hard pull when evaluating your application before finalizing the offer.
Even Financial doesn’t conduct a hard pull on your credit, which means that your accurate estimate is needed to get a good idea of what you might qualify for. Learn more about how to get your credit score.
Yes. Even Financial’s site is protected by 256-bit Secure Sockets Layer encryption to keep your information safe.
Even Financial requires all applicants to have a credit score of at least 580 to qualify for a loan with one if its partners. However, you’ll likely be connected with more options the higher your credit rating.
Even’s form only includes annual income for the person submitting their information. But the lender you’re ultimately connected with could allow for adding a cosigner to include total household income.
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.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.