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iLoan personal loans review

While it's no longer in business, you can apply through its sister company instead.

As of September 2018, iLoan has stopped servicing its loans. Things have moved over to its sister company, OneMain Financial. If you previously had an account with iLoan, your information will be transferred over and you should continue to make regular payments toward your loan.

If you were looking to borrow from iLoan, consider your options through OneMain Financial instead. Otherwise, compare other personal loan providers below.

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Min. Loan Amount$2,550
Max. Loan Amount$25,000
APR17.6% to 35.99%
Interest Rate TypeFixed
Loan Term2 to 5 years

First, am I eligible?

In order to be eligible for an iLoan personal loan, you must meet the following eligibility criteria:

  • At least 18 years old
  • US citizen

To determine your approval, iLoan will also consider your credit score, income, outstanding debts, loan amount requested and how you intend to use your loan funds.

Where is iLoan available

iLoan is available for borrowers in the following states:

  • Alabama
  • California
  • Delaware
  • Idaho
  • Illinois
  • Missouri
  • Nevada
  • New Mexico
  • Oregon
  • South Carolina
  • Utah
  • Wisconsin


  • No hard credit or income requirements
  • No prepayment penalties


  • Higher rates compared to other lenders
  • Origination fee and stiff late repayment fees
  • Low maximum amount

Compare other personal loan providers

1 - 5 of 5
Name Product Filter Values APR Min. Credit Score Loan Amount
Best Egg personal loans
7.99% to 35.99%
$2,000 to $50,000
A prime online lending platform with multiple repayment methods.
Credible personal loans
3.99% to 35.99%
Fair to excellent credit
$600 to $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Upstart personal loans
5.6% to 35.99%
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
SoFi personal loans
7.99% to 23.43%
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.
LendingClub personal loans
6.34% to 35.89%
$1,000 to $40,000
A peer-to-peer lender offering fair rates based on your credit score.

Compare up to 4 providers

How do I apply?

Applying for an iLoan personal loan can be done in three easy steps:

  1. Go to iLoan’s website and click Apply Now.
  2. Complete the application with your personal and financial details as well as the purpose of your loan.
  3. Upload the required documents through the Documents tab on the account page.

What information do I need to apply?

As you complete your application, you will need to submit personal and financial information that includes:

  • Valid government-issued ID
  • Your checking account details
  • Proof of your income
  • Proof of your residence

What happens after I apply?

If approved, iLoan will send you a loan proposal with terms and repayment options suited to your budget.

How do repayments work with iLoan?

You’ll be on the hook for monthly repayments based on the term laid out in your loan documents. You can set up your payments through iLoan’s Account Home to pay online. You can also make a payment over the phone or by mailing a check. If you’re interested in paying off your loan in full before its due date, you can call iLoan to get your payoff amount.

If you have any questions or are worried about missing a repayment, call iLoan’s customer service line.

See how iLoan compares to the competition with our guide to personal loans.

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