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Fiona personal loans review

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Get connected with lenders that have terms as long as 7 years and loans starting at $1,000.

finder.com’s rating: 4.25 / 5.0

★★★★★

  • Best for comparing multiple loan offers with any credit score.
  • Pick something else if you don't want your information shared with partner lenders.

$100,000

Max. Loan Amount

4.99% to 35.99%

APR

Good

Min. Credit Score

Details

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

Expert review

Anna Serio

Review by


Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 950 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Fiona is a connection service that can help you find a personal loan. It’s ideal for anyone who wants to make a quick comparison between lenders, and its lending partners work with most credit types to offer a wide range of rates and loan amounts.

But you might want to look elsewhere if you just reached the legal age to borrow in your state — Fiona doesn’t work with borrowers under 21. And your personal information will be shared with its network of partner lenders, meaning you might have to field emails and phone calls even after you take out a loan.

Rather apply with a lender directly? Take time to compare your other options using our table.

Best of 2020
Finder experts pick Fiona personal loans as a 2020 best pick for personal loans.

How much does it cost to use Fiona?

Fiona is free to use to get connected to a lender. If you choose to borrow from a lender, the cost will depend on the APR, loan amount and loan term you’re offered. The lenders in its network offer rates starting at 4.99%, and you could potentially borrow up to $100,000 for two to seven years.

Before you compare offers from Fiona, use the calculator below to estimate how much a loan might cost you.

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.

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Based on your loan terms...

You can expect to pay back $ per month

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$ in principal and $ in interest charged Compare personal loans now

How it works

Fiona will review the information you submit to find a lender that may meet your needs. From here, you will submit a full application — and based on that, your lender will determine what you’re eligible for. The better your credit score and finances, the more likely you are to score a low rate or qualify for a larger loan amount.

What do I need to qualify?

You must meet these requirements to qualify for a loan from one of Fiona’s partners:

  • Good to excellent credit of around 670 or higher
  • At least 21 years old
  • US citizen or permanent resident

What information do I need to apply?

You don’t need to provide any documents when you fill out Fiona’s online form. But you should have the following information ready before you get started:

  • Estimated credit score range
  • Annual income
  • Pay frequency
  • Social Security number
  • Date of birth

Pros

  • Most credit types welcome
  • Wide range of loans available
  • Coapplicants accepted
  • Won’t affect credit score

Cons

  • No loans for individuals under 21 years old
  • Lenders may charge origination fee of 1% to 6%
  • Shares your information with partners

See other personal loan options

Data indicated here is updated regularly
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
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.
SoFi personal loans
5.99% to 18.53%
680
$100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.
Upstart personal loans
8.69% to 35.99%
580 or 600 depending on state of residence
$50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
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Compare up to 4 providers

Is Fiona legit?

Yes, Fiona is a legitimate connection service with a secure website. It has detailed articles on its services. And its privacy policy covers how your information is collected and used for marketing. While it will share your information with its lenders, it doesn’t sell it — a big step up from less reputable services.

Does Fiona get good customer reviews?

BBB accreditedNo
BBB ratingNot rated
Customer reviews verified as of15 June 2020

There are almost no customer reviews of Fiona as of June 2020. There is no information on its BBB page, and it doesn’t have a Trustpilot.

Its parent company, Even Financial doesn’t do much better. It gets an A rating from the BBB, but only has two reviews. However, this isn’t uncommon for a connection service. Most don’t receive customer reviews. Instead, you should check the reviews for the loan company you’re connected with to make sure it treats its customers fairly.

Is Fiona the same as Even Financial?

Yes, Fiona is an online connection service powered by Even Financial. You can get offers from the same lenders through Even, but Fiona’s site is made to be more user friendly. You can read our review of Even to learn more about how it works.

How do I get started?

To see which lenders you could qualify for, follow these steps:

  1. Click Check my rate to be redirected to Fiona’s online form.
  2. Select your loan amount, purpose and estimated credit score.
  3. Fill in the required fields with information about yourself, your job and where you live.
  4. Review the terms and conditions before checking the box that you agree.
  5. Click Get your offers.

What happens after I fill out the online form?

After you submit the online form, Fiona’s algorithm will put together a list of lenders that you might qualify with. Compare your results and click Continue to continue with the full application on the lender’s website.

How do repayments work with Fiona?

That depends on the lender you’re connected with, though your loan won’t have a term that’s longer than seven years. Most personal loans come with monthly repayments, which you can often sign up to have deducted from your bank account automatically.

If you have any questions about your loan or are worried about missing repayments, reach out to your lender’s customer service team as soon as possible.

Want to find out how Fiona compares to other providers? Read our guide to personal loans.

Frequently asked questions

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.

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

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