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Even Financial loan connection service review
Qualify for multiple lenders at once — but rates can be high.
finder.com’s rating: 4.25 / 5.0
★★★★★
- Best for people who want to compare multiple loan options at once.
- Pick something else if you don't want to share your information with a third-party company.
Details
| Min. Loan Amount | $1,000 |
|---|---|
| Max. Loan Amount | $100,000 |
| APR | 4.99% to 35.99% |
| Interest Rate Type | Fixed |
| Min. Credit Score | 550 |
| Loan Term | 2 to 7 years |
| Turnaround Time | Varies |
What does Even Financial cost?
Even Financial is free to use. You won’t pay any fees to be connected with a lender.
The lenders in its network offer rates as low as 4.99% — and some go as high as 35.99%. There are also a wide range of loan amounts available, stretching from $1,000 to $100,000. But the actual APR and loan amount you’re eligible for will depend on the lender. Not every lender offers great options, so consider your offer carefully before finalizing your loan application.
You can use the calculator below to make sure you’re getting a good deal that you’ll be able to afford.
Monthly repayments calculator
Calculate how much you could expect to pay each month
| Your loan |
|---|
| Loan amount |
$ |
| Loan terms (in years) |
| Interest rate |
$% |
Fill out the form and click on “Calculate” to see your
estimated monthly payment.
or
Based on your loan terms…
You can expect to pay back
$
per month
This breaks down to…
$
in
principaland
$
in
interest
charged, with a total cost of $Compare personal loans now
How it works
When you submit your information, Even Financial will search its network to find a lender that meets your needs. From here, you may be offered a loan — but the total amount, loan term and APR will depend on a full application and credit check.
The better your credit and finances, the more likely you are to get a solid deal. If you don’t have the best credit, you may not get the best rates — although Even Financial does work with lenders that offer loans to borrowers with poor credit.
What do I need to qualify?
To be connected with a lender, you’ll need to meet a few basic 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
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
See other personal loan options
Compare even more lenders with just a few clicks.
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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 affected by completing the form. Fiona uses 256-bit encryption to secure private information.
Even Financial reviews and complaints
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.
Even Financial also has some information on a recent 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.
What do customers say about Even Financial?
| BBB accredited | No |
|---|---|
| BBB rating | A |
| BBB customer reviews | 1 out of 5 stars, based on 1 customer reviews |
| Trustpilot Score | 3.2 out of 5 stars, based on 1 customer reviews |
| Customer reviews verified as of | 12 October 2020 |
Like most connection services, there aren’t many reviews of Even Financial online. While the two reviews available are negative, one is about a hiring practice. The other customer reports a problem with the large amount of marketing material they received — a common complaint for a connection service. If you do decide to use Even Financial to find a lender, check the lender you’re connected with to ensure it has good online ratings.
How do I get started?
To fill out Even Financial’s online form and see what lenders you might qualify for, follow these steps:
- Click the Check my rate to visit Even Financial’s application form.
- Select the amount you want to borrow and your general loan purpose.
- Provide information about yourself, including your Social Security number, annual income and date of birth.
- Review and agree to Even Financial’s terms, then click Get my offers.
What happens after I fill out the online form?
If Even Financial connects you with a lender, you’ll 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. 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.
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 more connection services to see how they stack up against Even Financial.
Frequently asked questions
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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
Aliyyah Camp
aliyyah.camp@finder.comAliyyah Camp is a writer and personal finance blogger who helps readers compare personal, student, car and business loans. Aliyyah earned a BA in communication from the University of Pennsylvania and is based in New York, where she enjoys movies and running outdoors.
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.
