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Fiona personal loans review
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
★★★★★
Bottom line: Fiona is best if you have good to excellent credit. But like any connection service, prepare to receive marketing emails and phone calls from its partner lenders.
Details
| Min. Loan Amount | $1,000 |
|---|---|
| Max. Loan Amount | $100,000 |
| APR | 4.99% to 35.99% |
| Interest Rate Type | Fixed |
| Min. Credit Score | Good |
| Loan Term | 2 to 7 years |
| Turnaround Time | Varies by lender |
Pros
- Most credit types welcome
- Wide range of loans available
- Coapplicants accepted
- Won’t affect credit score
Cons
- Must be at least 21 years old
- Lenders may charge origination fee of 1% to 6%
- Shares your information with partners
Fiona rates, fees and terms
Fiona doesn’t charge any fees to use its connection service. If you choose to borrow from a lender you’re connected with, the cost of your loan will depend on the APR, loan amount and loan term you’re offered. The lenders in Fiona’s 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.
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 Fiona compares to other lenders
To see direct lenders and more connection services, select your credit score and state.
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Fiona reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | |
| Trustpilot Score | 3.3 out of 5 stars, based on 3 customer reviews |
| Customer reviews verified as of | 01 February 2021 |
There are almost no customer reviews of Fiona — largely because it doesn’t have a BBB or Trustpilot page. Instead we’ve included the ratings for its parent company, Even Financial. But Even doesn’t have much more to offer.
Most connection services don’t receive customer reviews, so this isn’t a red flag. Rather than relying on customer experiences with Fiona, check the reviews for the loan company you’re connected with to make sure it treats its customers fairly.
How to qualify
You must meet these requirements to qualify for a loan from one of Fiona’s partners:
- Good to excellent credit
- At least 21 years old
- US citizen or permanent resident
The lender you’re connected with may have other requirements. Confirm that you qualify with it before you submit a full application.
How the online form works
To be connected with a lender, click Go to site on this page, or visit Fiona’s website and fill out its online form — it should only take a few minutes. You’ll need to enter information about yourself, including your Social Security and date of birth.
After you submit the online form, Fiona’s algorithm will put together a list of lenders that you might qualify for. From here, you’ll submit a full application with the lender of your choosing. 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 sets it apart
Fiona is one of the few connection services that works with lenders that offer larger loans. But because of this, it requires you to meet more strict eligibility criteria. You’ll also need to be at least 21 to qualify — despite most lenders setting their minimum age at 18.
Beyond personal loans, you can also use Fiona to explore student loan refinancing, life insurance and credit cards.
Is Fiona legit?
Yes, Fiona is a legit connection service with a secure website. Its privacy policy outlines the types of information it collects. It also states that it doesn’t sell your information and provides details about why it shares information with its partners.
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.
Want to find out how Fiona compares to other providers? Read our guide to personal loans.
Frequently asked questions
Our answers to common questions about Fiona.
Does filling out Fiona’s online form affect my credit?
No, Fiona relies on a soft credit pull when you fill out its form, which doesn’t hurt your credit. Your credit might be affected when you complete the full application with the lender you’re connected with, however.
Will I always get the preapproved rate if I go through with the full application?
Not necessarily. A preapproved offer is an estimate based on the limited information you provided in the one-page form. There’s a chance you’ll get a different rate or term after you’ve submitted a complete application.
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.
Review by
Anna Serio
anna.serio@finder.comAnna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 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.
