personal loans review March 2019 | personal loans review March 2019

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Product Personal Loans
Min Loan Amount$1,000
Max. Loan Amount$40,000
Interest Rate TypeFixed
Maximum Loan Term7 years
RequirementsYou must be a US citizen, at least 18 years old, have a valid social security number, be employed, and have a bank account in your name
Application Fee$0
  • 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.

How does a personal loan through work? is a loan-connection service rather than a direct lender. Instead of providing you with the loan directly, takes the application you submit and gives it to its network of lenders. These lenders may then come back with offers to meet your funding needs.

The amount of funding you can receive depends on factors like the kind of loan, credit score and lender type. Throughout the network of lenders, you can find funding from $1,000 to $40,000, with repayment terms typically ranging from to 7 year(s).

What are the benefits of personal loans?

  • Different loans. The company works with lenders that offer three types of loans. Each loan type that caters to different circumstances and factors. The three different personal loan types include: peer-to-peer loans, personal installment loans and bank personal loans.
  • Quick application. You can request a loan online in minutes. Additionally, there is no fee to request a loan.
  • Fast deposit. If you are approved, you could receive the funding deposited into your personal bank account as soon as the next business day.
  • No-obligation. If you are offered a loan from a lender, you are free to reject it and continue to look for other lender rates.
  • Perfect credit not required. Even if you don’t have the best credit, you can apply for a personal loan, and receive funding.
  • Withdrawals. Some lenders can set you up with automatic payment withdrawals, so you never have to worry about writing a check, or late penalties.
  • APR. The APR typically ranges from 4.84% p.a. The exact amount depends on factors like method of calculation, terms of the loan, fees and renewal options.

Compare to other personal loan connection services

Rates last updated March 19th, 2019
Name Product Min. Credit Score Max. Loan Amount APR Product Description
Monevo Personal Loans
3.99% to 35.99% (fixed)
Quickly compare multiple online lenders with competitive rates depending on your credit.
Credible Personal Loans
Good to excellent credit
5.34% to 35.99% (fixed)
Get personalized rates in minutes and then choose a loan offer from several top online lenders.
Even Financial Personal Loans
3.84% to 35.99% (fixed)
Get connected to competitive loan offers instantly from top online consumer lenders.
LoansUnder36 Personal Loans Connection Service
All credit types welcome
5.99% to 35.99% (fixed)
Its network of lenders cap APRs at 36%.
LendingTree Personal Loans
Varies by lender (fixed)
Receive up to five loan offers in just minutes through LendingTree's simple online form.

Compare up to 4 providers

How much will a personal loan through cost?

When you apply for a loan through you will not be charged anything to connect with a lender. There are also no fees from if you choose to accept one of the offers, however, the lender may have its own fees, unrelated to

With terms up to 7 year(s), you have the potential of low monthly payments. It should be noted that stretching out the length of the loan can also increase the overall cost of it.

How to apply for personal loans

Applying for a personal loan is easy, and requires applicants to meet the following eligibility requirements:
Eligibility criteria:

  • You must be a US citizen, a permanent resident or in the US on a valid long-term visa and have a Social Security number.
  • You must be at least 18 years old.
  • You must have verifiable income.
  • You must have a valid bank account.

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

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

  • Your name, contact information and date of birth.
  • How much you want to borrow and the purpose of the loan.
  • Your annual individual income.
  • Your employment and income information
  • Your bank account information and type

Some lenders may also require you to show proof of previous financial responsibilities, or credit score.

Bottom line

If you have bad credit but to borrow money soon, could help you find a personal loan of up to $40,000. Before choosing, be sure to compare them with other personal loan brokers.

Aliyyah Camp

Aliyyah Camp is a publisher helping folks compare personal, student, car and business loans. Prior to joining Finder, she ran her own personal finance blog and wrote for numerous finance sites. Aliyyah earned a BA in communication from the University of Pennsylvania. She regularly attends industry conferences to stay in the know about market changes that can affect consumers. When she's not helping people with their personal finances, you can find her at the movies or going for a run outdoors.

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US Personal Loans Offers

Important Information*
Credible Personal Loans

Get personalized rates in minutes and then choose a loan offer from several top online lenders.

Even Financial Personal Loans

Get connected to competitive loan offers instantly from top online consumer lenders.

LendingClub Personal Loan

A peer-to-peer lender offering fair rates based on your credit score.

SoFi Personal Loan Fixed Rate (with Autopay)

No fees. Multiple member perks such as community events and career coaching.

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4 Responses

  1. Default Gravatar
    DannyHJanuary 17, 2019

    Can I get a loan against my pension?

    • finder Customer Care
      JoshuaJanuary 23, 2019Staff

      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 page for more options. On that page, 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!


  2. Default Gravatar
    ChristinaOctober 18, 2017

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

    • Default Gravatar
      JonathanOctober 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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