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GotLoans.com review

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A connection service for individuals with bad credit.

  • Best for borrowers with bad credit looking to find a lender.
  • Pick something else if you have good credit.

$5,000

Max. Loan Amount

Up to 35.99%

APR

None

Min. Credit Score

Details

Product NameGotLoans.com personal loans
Min. Loan Amount$100
Max. Loan Amount$5,000
APRUp to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreNone
Late FeeNot stated
Loan TermNot stated
Turnaround TimeNot stated

Expert review

Kellye Guinan

Review by


Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

Expert review

GotLoans.com primarily works with borrowers who have bad credit, which means you might face a high APR if you’re connected with a lender. It’s a connection service for borrowers who haven’t had luck with other lenders. And its online form is thorough to help you find a lender that will be able to fund your loan.

But there are some negatives. Its website has no clear-cut contact information, and your information may be sold for marketing purposes.

Before deciding on a personal lender it’s always important to compare your options, so that you know that you’re getting the absolute best deal.

Is GotLoans.com legit?

GotLoans.com is a legit connection service with a secure online form. Its privacy policy details how it uses your information — but be aware this can include selling it to other companies for marketing purposes. You can choose to opt out, but it may take time for GotLoans.com to fully process your request.

How much will this loan cost me?

Using GotLoans.com to get connected with a lender won't cost anything. However, the lenders in GotLoans.com's network will charge an APR up to 35.99% — the legal maximum allowed for personal loans in most states. When you apply with a lender, it will outline the total cost of your loan and go over your monthly repayments.

You can borrow anywhere from $100 to $5,000. But keep in mind that the more you borrow, the more you'll have to repay, especially if you're stuck with a higher APR.

Use our calculator to determine your potential repayment based on your desired loan amount and term.

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

Compare personal loans now

Based on your loan terms…

You can expect to pay back $ per month

This breaks down to…

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

How pricing works

While there are no fees to use GotLoans.com, your lender will charge interest. The exact APR you receive will depend on any fees you need to pay as well as your income, credit score and overall financial situation. The better your credit, the more likely you are to score a lower APR.

What do I need to qualify?

You will need to meet these basic requirements to qualify with a lender in GotLoans.com's network.

  • Monthly income of at least $1,000
  • Employed at least 90 days
  • Valid email address and phone number
  • At least 18 years old
  • US citizen or permanent resident

What information do I need to submit?

GotLoans.com requires you to submit quite a bit of personal information in order to get connected with a lender.

  • Estimated credit score
  • Date of birth
  • Social Security number
  • Driver's license number
  • Bank account number
  • Next pay date

Pros and cons

Using a connection service like GotLoans.com can be convenient, but you should be aware of its drawbacks.

  • Loans as small as $100 available
  • Bad credit OK
  • Turnaround in as little as one business day
  • Fees and loan terms aren't transparent
  • No clear contact information
  • Lenders may offer APRs up to 35.99%
  • May sell your personal information

See other personal loan options

To check out more options before signing up, check out other lenders and compare rates, terms and more.

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.
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.
NetCredit personal loans
34% to 155%
No minimum
$10,500
Check eligibility in minutes and get a personalized quote without affecting your credit score.
Monevo personal loans
3.49% to 35.99%
None
$100,000
Quickly compare multiple online lenders with competitive rates depending on your credit.
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Compare up to 4 providers

Does GotLoans.com get good customer reviews

BBB accreditedNo
Trustpilot score3.2 out of 5 stars, based on 1 customer reviews
Customer reviews verified as of11 September 2020

GotLoans.com doesn't receive any solid ratings — not uncommon for a connection service — and the one rating on Trustpilot doesn't read as genuine. Instead, check the reviews for the lender you're connected with to make sure it's legit and that other customers haven't run into any significant problems in the past.

How do I fill out the online form?

To be connected with a lender, follow these steps:

  1. Visit GotLoans.com by clicking the Check my rates button.
  2. Select the amount you would like to borrow.
  3. Select your estimated credit score.
  4. Enter information about yourself, including your contact details, date of birth and driver's license number.
  5. Enter information about your employment, income and next pay date.
  6. Provide your bank account number, routing number and Social Security number.
  7. Review the disclosures and click Request cash.

What happens after I submit my information?

It may take a few minutes to process your request. If GotLoans.com is able to connect you to a lender, you will be redirected to its website to complete your application. From here, be sure to review the lender's terms and that your loan fits your needs.

How do repayments work with GotLoans.com?

Because GotLoans.com is a connection service, you won't pay it directly. Your lender will have its own repayment terms that you should review before you agree to borrow. It should also include any fees or other costs you might have to pay for late or missed payments.

If you run into any problems or are unable to make a payment, contact your lender directly.

GotLoans.com can connect you with a lender that may be able to work with you. But if you want to avoid having your information sold, it may be better to compare personal loans from direct lenders instead.

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