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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: 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.

$100,000

Max. Loan Amount

4.99% to 35.99%

APR

550

Min. Credit Score

Details

Product NameEven Financial personal loans
Min. Loan Amount$1,000
Max. Loan Amount$100,000
APR4.99% to 35.99%
Interest Rate TypeFixed
Min. Credit Score550
Loan Term2 to 7 years
Turnaround TimeVaries
Check my rate

Expert review

Aliyyah Camp

Review by


Aliyyah 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.

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

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Fill out the form and click on “Calculate” to see your estimated monthly payment.

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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.

Data indicated here is updated regularly
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
Upstart personal loans
7.35% to 35.99%
580 or 620 depending on state of residence
$50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
Credible Personal Loans
4.99% to 35.99%
Fair to excellent credit
$100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
LendingTree Personal Loans
Starting from 3.99%
Good to excellent credit
$50,000
Receive up to five loan offers in just minutes through LendingTree's simple online form.
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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 affected by completing the form. Fiona uses 256-bit encryption to secure private information.

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.

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 accreditedNo
BBB ratingA
BBB customer reviews1 out of 5 stars, based on 1 customer reviews
Trustpilot score3.2 out of 5 stars, based on 1 customer reviews
Customer reviews verified as of26 May 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:

  1. Click the Check my rate to visit Even Financial’s application form.
  2. Select the amount you want to borrow and your general loan purpose.
  3. Provide information about yourself, including your Social Security number, annual income and date of birth.
  4. 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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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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