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Even Financial loan connection service review

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Qualify for multiple lenders at once — but rates can be high.

finder.com’s rating: 3.8 / 5.0

★★★★★

$100,000

Max. Loan Amount

3.84% to 35.99%

APR

550

Min. Credit Score

Details

Product NameEven Financial Personal Loans
Min. Loan Amount$1,000
Max. Loan Amount$100,000
APR3.84% to 35.99%
Interest Rate TypeFixed
Min. Credit Score550
Minimum Loan Term2 years
Maximum Loan Term7 years
Turnaround TimeVaries
Go to Even Financial, Inc.'s website

Expert review

Aliyyah Camp

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.

Expert review

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.

First, am I eligible?

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

  • Credit score of at least 580+
  • At least 18 years old
  • US citizen or a permanent resident

What is Even Financial?

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.

What sets Even apart from other connection services?

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.

Pros

  • Poor credit accepted by some lenders
  • Compare personalized rates with one application
  • Partners with top-rated lenders
  • Additional tools available

Cons

  • Limited number of providers
  • Approval isn’t guaranteed
  • Mixed online reputation
  • May be sent marketing materials

Compare other personal loan providers

Updated November 17th, 2019
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
5.95% to 35.99%
Fair to excellent credit
$100,000
Get personalized rates in minutes and then choose a loan offer from several top online lenders.
3.84% to 35.99%
Good to excellent credit
$100,000
Get loan offers from multiple lenders at once without affecting your credit score.
6.98% to 35.89%
600
$50,000
Affordable loans with two simple repayment terms and no prepayment penalties.
3.84% to 35.99%
550
$100,000
Get connected to competitive loan offers instantly from top online consumer lenders.
34% to 155% (Varies by state)
No minimum
$10,000
Check eligibility in minutes and get a personalized quote without affecting your credit score.
3.99% to 35.99%
450
$100,000
Quickly compare multiple online lenders with competitive rates depending on your credit.
6.49% to 17.99%
650
$25,000
With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses.
6.95% to 35.89%
640
$40,000
A peer-to-peer lender offering fair rates based on your credit score.
5.99% to 17.88%
680
$100,000
No fees. Multiple member perks such as community events and career coaching.

Compare up to 4 providers

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:

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.

What do customers say about Even Financial?

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.

Government action and advertising concerns

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.

How do I get started?

The process is simple, and you’ll see what loans you could qualify for in under 60 seconds. Here are the quick steps:

  1. Click the Go to site button on this page to be directed to Even Financial’s application form.
  2. Fill out the loan information to specify how much you’re requesting and why.
  3. Represent your credit score accurately.
  4. Complete your personal, contact and employment information.
  5. Submit the form and get your results nearly instantly.

how to apply even financial

What information do I need to fill out its online form?

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

What happens after I fill out its online form?

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.

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 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.

How do repayments work with Even Financial?

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.

Frequently asked questions

Personal loan ratings

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

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2 Comments

  1. Default Gravatar
    Danny
    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?

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