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This connection service works with top lenders — but watch out for high APRs.’s rating: 3.8 / 5.0


  • Best for borrowers with less-than-perfect credit looking to compare offers.
  • Pick something else if you don’t want your information shared with third-party lenders.


Min. Loan Amount$1,000
Max. Loan Amount$40,000
APR4.84% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreVaries by lender
Loan Term61 days to 7 years
Turnaround TimeVaries
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First, am I eligible?

To fill out’s form, you’ll need to meet the following requirements:

  • Must be 18 years of age or older.
  • Must possess a valid Social Security number.
  • Must be a U.S. citizen or legal resident.
  • Should be able to provide proof of income by demonstrating full-time employment, self-employment, Social Security benefits, or regular disability benefits. A pay stub or other form of income verification may be requested by the lender or lending partner.
  • Bank account: Since the majority of lenders will deposit your funds directly into your account, you must have a personal bank account.
  • Credit score: Lenders may require you to show proof of previous financial responsibility. Eligibility may depend on several factors, including: recent or active bankruptcies, a pattern of late payments, outstanding accounts that are more than 60 days overdue, debts that cannot be repaid by your current income, and recently charged-off accounts.

Personal loans are not available to residents of Iowa or West Virginia.


  • Personal and installment loans available
  • Poor credit OK
  • Rates as low as 4.84%
  • Loan terms up to seven years


  • Information may be shared with affiliates
  • Possible short term with high APR
  • Limited company information on its website

Compare other personal loan connection services

Name Product Filter Values APR Min. Credit Score Loan Amount
Fiona personal loans
4.99% to 35.99%
$1,000 - $100,000
Get loan offers from multiple lenders at once without affecting your credit score.
Credible personal loans
2.49% to 35.99%
Fair to excellent credit
$600 - $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
LoansUnder36 personal loans
5.99% to 35.99%
All credit types welcome
$500 - $35,000
Its network of lenders offer affordable loans with reasonable rates.
Lend-Grow connection service
19.99% to 35.99%
$2,000 - $25,000
Monevo personal loans
1.99% to 35.99%
$500 - $100,000
Quickly compare multiple online lenders with competitive rates depending on your credit.

Compare up to 4 providers reviews and complaints

BBB accreditedNo
Trustpilot score2.5 out of 5 stars, based on 55 customer reviews
Customer reviews verified as of17 December 2019 only has a handful of reviews on Trustpilot. The majority of reviewers rate it poorly, stating the lenders they were connected with had high rates and that they had issues with approval. However, all reviews date back to 2017 — which means there is no current information on LoanMe’s service.

How do I get started?

To complete LoanStart’s online form, follow these steps:

  1. Visit LoanStart’s website. Select the amount you want to borrow, then enter your full name and email.
  2. Select your estimated credit score, reason for borrowing and the type of debt you currently have.
  3. Follow the prompts to enter basic information about yourself, including your address, monthly income and Social Security number.

What information do I need to apply?

You’ll need to gather the following information before applying:

  • Estimated credit score
  • Gross monthly income
  • Social Security number

Some lenders may also require you to show proof of previous financial responsibilities and may check your credit.

What happens after I apply?

LoanStart will connect you with lenders you might qualify with. Before choosing an offer, review the terms carefully. Because loans can have short terms and high interest rates, you’ll want to make sure you can afford your loan before committing. If you do decide to borrow, see if your lender offers automatic repayments — this is an easy way to avoid late fees, provided you know you’ll have the money you need in your account on the due date.

If you have any questions or run into any issues, contact your lender directly — not

Before you make a decision, compare other connection services and read up on personal loans to make sure you’re getting a good deal.

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.

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

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’s connection service is ideal for borrowers with less-than-perfect credit looking to compare personal loan offers by filling out just one online form. It doesn’t have any hard credit requirements, and its network of lenders include installment loan providers, peer-to-peer lenders and direct personal loan providers. Plus, rates start low at just 4.84% with terms as long as seven years.

But as a connection service, may share your information with its partner lenders. This means you might have to field phone calls and emails from affiliates — even after you take out a loan. And if you get stuck with its maximum rate of 35.99%, it could make for high monthly repayments.

Not sure about Compare other options below.

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    Default Gravatar
    January 17, 2019

    Can I get a loan against my pension?

      Avatarfinder Customer Care
      January 23, 2019

      Hi DannyH,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Yes, there are lenders who can give you a loan even if you are a pensioner. One of them is You can check this page and see if they are the best lender for you.

      Alternatively, you can also check this list of pensioner loans. if you click that link, you will see a table that allows you to conveniently compare loans for people on pension based on maximum loan amount, maximum loan amount, and APR. Once you found the right one for you, click on the “Go to site” green button to learn more or initiate your application.

      Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    October 18, 2017

    I just wanted to know if I could get a loan if my credit score is in the 400.

      Default Gravatar
      October 19, 2017

      Hi Christina,

      Thank you for your inquiry.

      Welcome to – We are a financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site and so we can only offer a general advice.

      At LoanStart, they try to pair you with a lender or lending partner that offers personal installment loans, and each lender has their own lending criteria. Most of them accept less than excellent credit scores, so you can still give it a shot. You may click “Go to Site” green button to proceed with your application of your preferred provider.

      Hope this helps.


      Hope this helps.


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